Head-To-Head: TD Aeroplan Visa Infinite Card Vs WestJet RBC® World Elite Mastercard

Updated Oct 2, 2024
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9/10
WestJet RBC World Elite Mastercard vs TD Aeroplan Visa Infinite Card
To the point Here's our detailed comparison between the TD Aeroplan Visa Infinite Card and the WestJet RBC® World Elite Mastercard.

Welcome bonus

The welcome bonus offered by each of these credit cards varies according to promotions. However, there are differences to be aware of between the two credit cards.

Td Visa Infinite Aeroplan New

With this welcome offer for the TDMD AeroplanMD Visa Infinite* Card, you can earn up to 40,000 Aeroplan points, free of charge in the first year.

Here’s how:

  • 10,000 Aeroplan points after first purchase
  • 15,000 Aeroplan points, if you spend $7,500 within 180 days of account opening
  • 15,000 Aeroplan points when you spend $12,000 within 12 months of account opening

Based on our valuation of Aeroplan points (2 cents per point), this welcome bonus corresponds to an approximate value of $800.

Rbc Westjet We En

With the WestJet RBC® World Elite Mastercard, you can earn up to $700 WestJet dollars:

  • 300 WestJet dollars on your first eligible purchase
  • 300 WestJet dollars when you spend $5,000 in the first three months
  • 100 WestJet dollars as a one-time birthday bonus
Benefit: WestJet RBC® World Elite Mastercard

Spend $5,000 and you get 600 WestJet dollars in the first year on your WestJet RBC® World Elite Mastercard.

While spending an additional $2,500 earns 25,000 Aeroplan points worth $500 (based onMilesopedia’s estimated point value), or $50 more with the TD® Aeroplan® Visa Infinite* Card.

The WestJet credit card has an added bonus: the travel companion voucher! This allows you to purchase an airline ticket and get the 2nd one for as little as $119. Depending on your destination, you could save an additional $500 on average.

Minimum Income

Td Visa Infinite Aeroplan New

The TD® Aeroplan® Visa Infinite* Card requires a minimum personal income of $60,000 or $100,000 annual household income.

Rbc Westjet We En

The WestJet RBC® World Elite Mastercard requires a minimum individual income of $80,000 per year or an annual family income of $150,000.

Advantage: TD® Aeroplan® Visa Infinite* Card

The TD® Aeroplan® Visa Infinite* Card is less demanding in terms of minimum income than its competitor.

Annual Fees

Td Visa Infinite Aeroplan New

The TDMD AeroplanMD Visa Infinite* Card has an annual fee of $139, but this annual fee is refunded in the first year.

Rbc Westjet We En

The WestJet RBC® World Elite Mastercard has an annual fee of $119.

TD® Aeroplan® Visa Infinite* Card

The annual fee for the TD® Aeroplan® Visa Infinite* Card is higher than for the Westjet RBC® World Elite Mastercard. Thanks to the current promotion that refunds the annual fee in the first year, the TDMD AeroplanMD Visa Infinite* Card has a big head start!

Earning points

The WestJet RBC® World Elite Mastercard and TD® Aeroplan® Visa Infinite* Card each offer different levels of points accumulation.

Earning

Td Visa Infinite Aeroplan New

With the TD® Aeroplan® Visa Infinite* Card, the maximum points earned are 1.5 Aeroplan points per dollar for purchases:

1 Aeroplan point per dollar on all other purchases.

Rbc Westjet We En

With the WestJet RBC® World Elite Mastercard, you earn WestJet dollars on the following purchases:

  • 1.5% cash back in Westjet dollars on all regular purchases
  • 2% cash back in WestJet dollars on flights with WestJet or WestJet Vacations
Advantage: TD® Aeroplan® Visa Infinite* Card

WestJet dollars and Aeroplan points are two different kinds of points, each with a different value:

So, you have to do a bit of math to figure out which earns the most value between the two. Take the following examples:

$100 at the grocery store or gas station $100 for a purchase in an “Other” category (hardware, clothing, drugstore, etc.) Total value
WestJet RBC® World Elite Mastercard

1.50 WestJet dollars

($100 x 1,5%)

1.50 WestJet dollars

($100 x 1,5%)

$3
TD® Aeroplan® Visa Infinite* Card

150 Aeroplan points

($100 x 1.5 points)

100 Aeroplan points

($100 x 1 point)

$5

(250 points X $0.02)

According to Milesopedia, Aeroplan points are more valuable than WestJet dollars.

Redeeming points

As these two credit cards are part of different loyalty programs, the ways in which points are used are also different!

For travel

Td Visa Infinite Aeroplan New

Each month, Aeroplan points earned on TD® Aeroplan® Visa Infinite* Card purchases are automatically transferred to the cardholder’s Aeroplan account.

Then, to use your Aeroplan points, book your flight on the Air Canada or Air Canada Vacations website. These Aeroplan points can be used to get a less expensive vacation package or a flight from some fifty partners, members of the Star Alliance network, such as:

Rbc Westjet We En

WestJet dollars earned with the WestJet RBC® World Elite Mastercard are credited to the WestJet Rewards membership account.

The WestJet member can then redeem these WestJet dollars to deduct all or part of the cost:

  • A vacation package with WestJet Vacations ;
  • When booking with Sunwing Vacations ;
  • The basic fare for a flight with WestJet ;
  • A flight with its partners (Air France, Delta Air Lines and Qantas Airways), with whom it has a codeshare agreement.
Advantage: TD® Aeroplan® Visa Infinite* Card

Thanks to the flexibility of Aeroplan points, they can be used in many ways such as:

Other benefits

Td Visa Infinite Aeroplan New

With the TD® Aeroplan® Visa Infinite* Card, you’ll get the following benefits:

  • Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases;
  • $100 statement credit every 4 years for NEXUS program enrolment or renewal fees;
  • Access to Visa Infinite Benefits (concierge, luxury hotel collection, vineyard tours, additional travel benefits) ;
  • Optional TD Auto Club membership (roadside assistance);
  • Various promotions with Aeroplan (Aeroplan points rebates, discounts on flights, credits or Aeroplan points to the account, link your account with Starbucks).
Rbc Westjet We En

With the WestJet RBC® World Elite Mastercard you can also enjoy several other benefits:

  • Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;
  • Companion voucher paid each year, to take advantage of a reduced rate (taxes and fees payable) for a guest:
    • $119 or $219 for travel in Canada and the United States (except Hawaii)
    • $399 or $499 for other WestJet flights
  • Redeem your companion voucher for four complimentary admissions to WestJet partner airport lounges;
  • Link the RBC card to the Petro-Points program to save 3¢ / litre on gas;
  • Earn 20% more Petro-Points at Petro-Canada ;
  • Receive a $500 Status Lift to other WestJet status levels for every $15,000 in net purchases;
  • Earn 50 Be Well points / dollar of eligible purchases at Rexall when paying with the card;
  • Free Wi-Fi Boingo with Mastercard Travel Pass;
  • Free 12-month subscription to DoorDash DashPass, with unlimited free shipping on orders of $15 or more, paid with the card.
WestJet RBC® World Elite Mastercard

Both cards are excellent for their wide range of travel benefits, but the WestJet RBC® World Elite Mastercard stands out. Especially for the very advantageous companion voucher to save an average of $500 on a second plane ticket yearly.

For Air Canada travellers, the benefits of Air Canada are to save money and make the annual fee more cost-effective.

Insurance

Insurance Td Visa Infinite Aeroplan New WestJet RBC<sup>®</sup> World Elite Mastercard
Trip Cancellation Insurance up to $1,500 No
Trip interruption insurance up to $5,000 up to $5,000
Out-of-province/country emergency medical coverage Up to $2,000,000 for 21 days No maximum, but must be reasonably priced, insured for 15 days
Flight delay insurance Up to $500
after 4 hours
Up to $250 after 4 hours
Baggage Delay Insurance Up to $1,000
after 6 hours
Up to $500
after 4 hours
Baggage loss or theft insurance up to $1,000 up to $500
Hotel burglary insurance up to $2,500 up to $2,500
Rental car theft and damage insurance up to $65,000 up to $65,000
Travel accident insurance 500 000 $ 500 000 $
Purchase Protection 1 additional year 1 additional year
Purchase Guarantee Up to $1,000
90 days
Up to $1,000
90 days
Advantage: TD® Aeroplan® Visa Infinite* Card

The TD® Aeroplan® Visa Infinite* Card offers equal or more generous coverage than its competitor. What’s more, it requires that only 75% of travel purchases be charged to the card.

Conversely, the WestJet RBC® World Elite Mastercard requires that the trip be fully charged to the card. What’s more, it has no cancellation insurance.

If you want a credit card that covers your travels, even when a small portion of the expenses has been charged, I recommend this article: The best credit cards for travel insurance with rewards points.

Bottom Line

So? Which card is the winner?

The TD® Aeroplan® Visa Infinite* Card offers great flexibility thanks to Aeroplan points and the ability to depart from anywhere in the world:

  • Robust travel insurance;
  • Its annual fee is reimbursed in full in the first year;
  • The accumulation and highest value of its points;
  • Advantageous promotions with Aeroplan ;
  • Its lowest minimum income requirements.

While the WestJet RBC® World Elite Mastercard makes a strong case for:

  • The opportunity to earn 1.5% back in WestJet dollars at Costco ;
  • Its current welcome offer of $700 WestJet;
  • The travel companion voucher that saves you an average of $500 on a plane ticket for your travel companion.
Come to discuss that topic in our Facebook Group!
Caroline Tremblay

Caroline Tremblay

Caroline Tremblay
Caroline, a loyalty program specialist, helps families maximize their points to travel more frequently and affordably. With expertise in Disney, AIR MILES, and Costco, she travels the world with her partner and two children through rewards. Passionate about the latest in loyalty programs, Caroline shares tips to help you earn more points and turn your travel dreams into reality.
All posts by Caroline Tremblay
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