Which card has the better welcome bonus?

The RBC Avion Visa Infinite Card leads with up to 70,000 Avion points, until November 25, 2026. The TD® Aeroplan® Visa Infinite* Card offers up to 40,000 Aeroplan points, with no published end date, plus a first year fee rebate. At Milesopedia valuations: roughly $1,050 against $800.

How much is an Avion point worth versus an Aeroplan point?

Milesopedia values the Avion point at 1.5 cents and the Aeroplan point at 2.0 cents. The RBC fixed price chart still reaches 2.00 to 2.33 cents per point on air travel rewards, provided you are an Avion Elite member. Our analysis of the value of Avion points breaks down each scenario.

Which card earns faster on groceries?

The TD® Aeroplan® Visa Infinite* Card, without question. It earns 1.5 Aeroplan points per dollar on groceries, or about 3.00 cents of value per dollar. The RBC Avion Visa Infinite Card does not boost that category and earns 1 Avion point per dollar, or about 1.50 cents.

What is the $80,000 cap on the TD card?

The 1.5 point per dollar categories on the TD® Aeroplan® Visa Infinite* Card apply up to $80,000 in annual spending. Past that, the rate falls back to 1 point per dollar. That works out to roughly $6,700 a month across gas, groceries, Air Canada purchases and Hyatt stays combined.

Which one gives a free checked bag?

Only the TD® Aeroplan® Visa Infinite* Card offers the first checked bag free, for the cardholder and up to 8 companions on the same booking. The RBC Avion Visa Infinite Card page does not list that benefit.

Which card has the better travel insurance?

For emergency medical, the TD card dominates: $2,000,000 for 21 days, or 4 days at age 65 and over, against 15 days with RBC, or 3 days at age 65 and over. The RBC card, however, adds rental car collision, hotel burglary, purchase protection and an extended warranty.

Neither card includes airport lounge access?

Correct. Neither the RBC Avion Visa Infinite Card nor the TD® Aeroplan® Visa Infinite* Card grants airport lounge access. Our best credit cards page lists the options that do.

Can you hold both cards at the same time?

Yes, since the two cards come from different issuers. Plenty of readers put groceries and gas on the TD card, then travel purchases on the RBC card. Both welcome bonuses stack too, as long as you meet each spending threshold.

Audrey Voisine

Audrey, co-founder of Milesopedia, is a dedicated entrepreneur, avid traveler, and mother of two children. She shares valuable tips and recommendations for families and frequent travellers alike, helping everyone get the most from points and rewards programs. As Executive Vice President of Marketing and Communications, she is committed to guiding Milesopedia readers toward more accessible, practical, and memorable journeys.

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