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Published June 4, 2024
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TD First Class Travel vs TD Aeroplan: How to Choose

TD Aeroplan credit cards are tied to Air Canada’s reward program, while TD First Class Travel is the name of a specific TD Rewards Points card.

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The main difference between TD First Class Travel and TD Aeroplan is the rewards system. Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points. You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

  • 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
  • 1x Aeroplan points on everything else.
  • Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
  • 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

  • 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
  • 1 Aeroplan point per $1.50 spent on everything else.
  • Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
  • 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Infinite Privilege Card

  • 2x Aeroplan points on Air Canada purchases. 
  • 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
  • 1.25x Aeroplan points on everything else. 
  • Double the points earned when you shop with partner brands and through the Aeroplan eStore. 

TD Aeroplan Visa Business Card

  • 2x Aeroplan points on Air Canada purchases. 
  • 1.5x Aeroplan points on eligible travel, dining and business purchases. 
  • 1x Aeroplan points on everything else. 
  • 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

  • Range of cards to choose from.
  • Business card available. 
  • Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

  • The redemption program focuses mainly on Air Canada. 
  • Lower earn rates than similar cards, including the TD First Class Travel card.

What is TD First Class Travel?

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

  • 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
  • 6x TD Rewards Points on groceries and restaurants.
  • 4x TD Rewards Points on recurring bill payments.
  • 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

  • High reward earn rates compared to TD Aeroplan cards.
  • Travel TD Rewards Points can be redeemed with multiple booking platforms.
  • Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

  • Only one First Class Travel card to choose from.
  • Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical.
Look at features like annual fees, reward categories, redemption options, interest rates and insurance perks when making your decision.

FeatureTD First Class Travel Visa Infinite cardTD Aeroplan cards
Annual fee$139$89 to $599, depending on the card.
Purchases APR20.99%20.99% (14.99% for the TD Aeroplan Visa Business)
Reward redemption options
  • Amazon Shop with Points.
  • Starbucks (when linked to Starbucks reward account).
  • Gift cards.
  • Cash credited to your card balance.
  • Expedia for TD.
  • Travel (when booked through Book Any Way).
  • Education (through the HigherEdPoints loyalty program).

  • Air Canada travel.

    • Flights.
    • Flight upgrades.
    • In-flight Wi-Fi.
    • Hotels.
    • Car rentals.
    • Vacation packages.

  • Gift cards.
  • Merchandise.


Highest reward earn rate8x TD Rewards Points on Expedia purchases.2x Aeroplan points on Air Canada purchases, depending on the card.
Points expirationPoints never expire (the account must be in good standing).Points never expire (the account must be in good standing).

TD First Class Travel and TD Aeroplan cards

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card
  • Annual Fee
    $139
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    2x-8x Points
  • Intro Offer
    Up to 75,000 Points
Our take
Why we like it

With a large welcome bonus and accelerated earn rate on travel booked through ExpediaForTD.com, the TD First Class Travel® Visa Infinite* Card is perfect for travellers aiming to score free flights and hotel visits.

Pros
  • A generous welcome bonus worth up to $700 in value.
  • Travel expenses eligible for redemption include more than just hotel stays and flights – baggage fees, airport parking, car rentals, cruises, travel attractions, entertainment and more are all fair game.


Cons
  • This card doesn’t have as many travel perks as others on the list, but you can quickly earn free flights and hotel stays.
  • No free airport lounge access — you only receive an annual discount on a Priority Pass lounge membership.
Card details
  • Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
  • To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.
  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
  • No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
  • Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Infinite* Card
  • Annual Fee
    $139
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1x-1.5x Points
  • Intro Offer
    Up to 40,000 Points
Our take
Why we like it

The TD Aeroplan Visa Infinite Card provides access to exclusive food, golf and drink experiences, making it an excellent choice for shoppers with a taste for the finer things. The $10,000 spending target in the first year should put the introductory point offers within reach for many cardholders.

Pros
  • A low annual fee and unique perks, including 10% off car rentals at Avis and Budget.
  • Earn points twice when you provide your Aeroplan number.


Cons
  • Opportunities for earning more than 1.5x the points are rather limited.
  • Some perks, like a once-every-four-years NEXUS rebate, might not blow your hair back.
Card details
  • Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
  • Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Platinum* Card

TD® Aeroplan® Visa Platinum* Card
  • Annual Fee
    $89
    Waived first year
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    0.67x-1x Points
  • Intro Offer
    Up to 20,000 Points
Our take
Why we like it

The TD® Aeroplan® Visa Platinum* Credit Card may be too short on bells and whistles for some credit card veterans, but those seeking a straightforward, affordable introduction to the Aeroplan universe should find what they’re looking for.

Pros
  • A low annual fee, which can be refunded in the first year if you make a purchase in the first three months.
  • The mobile device insurance included should bring peace of mind to some users.


Cons
  • There are few ways to earn double points, even during the introductory period.
Card details
  • Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
  • Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
  • Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
  • To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD® Aeroplan® Visa Infinite Privilege* Credit Card
  • Annual Fee
    $599
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-2x Points
  • Intro Offer
    Up to 75,000 Points
Our take
Why we like it

The TD® Aeroplan® Visa Infinite Privilege* Card comes with strong travel insurance and perks, plus healthy earn rates on everyday purchases.

Pros
  • Complimentary Visa Airport Companion membership with six airport lounge visits included each year.
  • Tons of airport perks, including priority check-ins, boarding, baggage handling, airport upgrades, and airport standby.


Cons
  • Substantial annual fee.
Card details
  • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
  • Enroll for NEXUS and once every 48 months get an application fee rebate†.
  • Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa* Business Card

TD® Aeroplan® Visa* Business Card
  • Annual Fee
    $149
    Waived first year
  • Interest Rates
    14.99% / 22.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 60,000 Points
Our take
Why we like it

The TD Aeroplan Visa Business Card impresses with its obtainable welcome bonus, low interest rate and increased earn rate on essential business purchases.

Pros
  • A 14.99% interest rate on purchases is unusual for a card packing this many benefits, including a healthy earn rate on business purchases like shipping and internet.
  • Wide range of insurance provided.
  • Travel perks include statement Credits For NEXUS Holders, free checked bags and Maple Leaf Lounge guest pass.


Cons
  • Most travel perks require cardholders to hit spending thresholds before they can be claimed.
  • Smaller businesses may not spend enough to score the full welcome bonus.
Card details
  • Earn up to 60,000 Aeroplan pointsΓ. Conditions Apply. Account must be opened and approved by September 3, 2024.
  • Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
  • Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
  • Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
  • Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
  • Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
  • Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
  • $149 annual fee — rebated in the first year.
  • Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
  • One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
  • Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
  • Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
  • Visa SavingsEdge program: save up to 25% on eligible business purchases.
  • Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
  • Toll-free emergency travel assistance services.
  • Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
  • Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
  • Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
  • Purchase security and extended warranty protection.
  • Minimum credit limit of $1,000.
  • Interest rates: 14.99% on purchases, 22.99% on cash advances.
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