TD vs. AmEx Aeroplan Cards Face-Off - GreedyRates

TD vs. AmEx Aeroplan Cards Face-Off

Last updated on April 1, 2018 Views: 1349 Comments: 0

Aeroplan 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

 American Express Gold Rewards CardTD Aeroplan Visa Platinum Card
Annual Fee$150$89
Signup Bonus Points25000 Points10000 Points
Basic Rewards1 point per $11 mile per $1.5
Accelerated Rewards2 points per $1 spent at selected gas stations, drugstores, and grocery stores1 mile per $1 spent in eligible grocery stores, drugstores, and gas stations; double miles on presenting Aeroplan membership card at participating retailers
InsuranceEmergency medical, car rental theft and damage, trip interruption, lost/stolen baggage, flight delay, hotel/motel burglary, travel accidentDelayed and lost baggage, flight/trip delay, common carrier travel accident, car rental collision/loss damage
Annual Income Requirement$0$12000
Credit LimitNo pre-set credit limit$1,500+
Extra BenefitsTransfer your points to frequent flyer programs, or one-to-one to Aeroplan® and Avios10% off Avis and Budget rent-a-car in the US and Canada

The Premium Card: TD Privilege

 TD Aeroplan Visa Infinite Privilege Card
Annual Fee$399
Signup Bonus Points25000 Points
Basic Rewards1.25 miles per $1
Accelerated Rewards1.5 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
InsuranceTravel medical, trip cancellation, trip interruption, flight/trip delay, common carrier travel accident, car rental collision/loss damage, delayed/lost baggage
Annual Income Requirement$200000
Credit Limit$10,000+
Extra Benefits10% off Avis and Budget rent-a-car in the US and Canada

The 2nd Tier Card: TD Aeroplan Infinite

 TD Aeroplan Infinite Visa Card
Annual Fee $120
Signup Bonus Points 15000 Points
Basic Rewards
1 mile per $1
Accelerated Rewards1.5 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 Travel medical, trip cancellation, trip interruption, delayed/lost baggage, flight/trip delay, common carrier travel accident, car rental collision/loss damage
Annual Income Requirement$60000
Credit Limit$5,000+
Extra BenefitsUse 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 a free supplementary card, this card can help you rack up several flights for free, just by making your regular purchases.

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