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TD vs. AmEx Aeroplan Cards Face-Off

td versus american express aeroplan cardsAeroplan credit cards let you earn miles as a reward for every dollar that you spend. Your miles never expire, so you can stash them away and then spend them on a range of products, from activities to merchandise. One of the best ways to spend Aeroplan miles is on flights with Air Canada. You’ll earn Aeroplan miles faster with some credit cards than with others, though.

Some of the most lucrative Aeroplan cards are offered by TD and American Express. How are you to choose between them? We’ve done the hard work of laying out the important features, benefits, and costs of each Aeroplan charge card.

*Note: We’ve included the American Express Gold card detailed below even though it’s not a dedicated Amex Aeroplan card, because its points can be transferred to Aeroplan on a 1:1 basis.

So here we go…

The Best Rewards Tier: Amex Gold Rewards vs. TD Aeroplan Platinum

Card

american express gold rewards card

American Express® Gold Rewards Card

td aeroplan visa platinum card

TD® Aeroplan® Visa Platinum* Credit Card

Annual Fee

1st year FREE, $150 after

$89

Signup Bonus Points

25,000

10,000

Basic Rewards

1 point per $1

1 mile per $1.5

Accelerated Rewards

2 points per $1 spent at selected gas stations, drugstores, and grocery stores

1 mile per $1 spent in eligible grocery stores, drugstores, and gas stations; double miles on presenting Aeroplan membership card at participating retailers

Insurance

Emergency medical, car rental theft and damage, trip interruption, lost/stolen baggage, flight delay, hotel/motel burglary, travel accident

Delayed and lost baggage, flight/trip delay, common carrier travel accident, car rental collision/loss damage

Annual Income Requirement

None

None

Credit Limit

No pre-set credit limit

$1,500+

Extra Benefits

Transfer your points to frequent flyer programs, or one-to-one to Aeroplan® and Avios

10% off Avis and Budget rent-a-car in the US and Canada

The Premium Cards: Amex Platinum vs. TD Privilege

 Card

american express aeroplanplus platinum card

American Express® AeroplanPlus® Platinum Card

td aeroplan visa infinite privilege credit card

TD Aeroplan Visa Infinite Privilege* Card

Annual Fee $499 $399
Signup Bonus Points 40,000 25,000
Basic Rewards 1.25 miles per $1 1.25 miles per $1
Accelerated Rewards 1.5 points per $1 spent annually over $25k 1.5 miles per $1 in eligible grocery stores, drugstores, and gas stations and on aircanada.com; double miles on presenting Aeroplan membership card at participating retailers
Insurance Trip interruption, travel accident, travel emergency, trip cancellation, flight delay, baggage delay, lost/stolen baggage, hotel/motel burglary Travel medical, trip cancellation, trip interruption, flight/trip delay, common carrier travel accident, car rental collision/loss damage, delayed/lost baggage
Annual Income Requirement None $200,000 household
Credit Limit No pre-set credit limit $10,000+
Extra Benefits Referral bonus of 15,000 Aeroplan Miles for each approved referral. 10% off Avis and Budget rent-a-car in the US and Canada

The 2nd Tier Cards: Amex Aeroplan Gold vs. TD Aeroplan Infinite

Card american express aeroplanplus gold card

American Express® AeroplanPlus® Gold Card

td aeroplan visa infinite credit card

TD® Aeroplan®Visa Infinite* Credit Card

Annual Fee

$120

$120

Signup Bonus Points

15,000

15,000

Basic Rewards

1 mile per $1

1 mile per $1

Accelerated Rewards

1.25 points per $1 spent annually over $10

1.5 miles per $1 in eligible grocery stores, drugstores, and gas stations and on aircanada.com; double miles on presenting Aeroplan membership card at participating retailers
Insurance Flight delay, baggage delay, lost/stolen baggage, hotel/motel burglary, travel accident, car rental theft and damage Travel medical, trip cancellation, trip interruption, delayed/lost baggage, flight/trip delay, common carrier travel accident, car rental collision/loss damage
Annual Income Requirement

None

$60,000 personal or $100,000 household

Credit Limit

No pre-set credit limit

$5,000+

Extra Benefits Two free supplementary cards to earn points faster Use Aeroplan miles to pay for flight fees, taxes, and surcharges


Which Card Wins?

From the TD Aeroplan cards and Amex cards listed above, which reigns supreme? We can’t help but lean towards the flexible American Express Gold Rewards card. Even though it’s not an Aeroplan card, its points can be exchanged on a like for like basis for Aeroplan miles. Also, its rewards rate of 2 miles per dollar at eligible stores and gas stations is the highest of the bunch. With 25,000 bonus miles just for signing up, no minimum income requirements, and no annual fee for the first year (plus a free supplementary card), this card can help you rack up several flights for free, just by making your regular purchases.

One comment

  1. love amex~

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