Which Aeroplan card offers the best welcome bonus?

Both cards offer up to 45,000 Aeroplan points, but the structure differs:- Carte Aéroplan American Express : 35 000 points après 7 500 $ d'achats en 6 mois + 10 000 points anniversaire; - Carte Visa Infinite TD Aéroplan : 25 000 points après 3 000 $ d'achats en 90 jours + 20 000 points additionnels; The TD bonus is easier to access, with a lower spending requirement over a shorter period. At approximately $0.02 per Aeroplan point in business-class value, those 45,000 points are worth nearly $900 in rewards. For modest incomes, TD remains advantageous thanks to the first year with no fee.

Which one offers the best travel insurance coverage?

The TD Aeroplan Visa Infinite Card clearly leads on travel insurance, with:- Annulation de voyage jusqu'à 1 500 $ par personne; - Soins médicaux d'urgence jusqu'à 2 000 000 $ (10 jours pour 65 ans+); - Interruption de voyage et retard de bagages; - Assurance véhicule de location; The Aeroplan American Express Card offers much more limited coverage, mainly purchase protection and extended warranty. For a traveller who is away from Canada for more than a few days per year, the insurance gap can represent several hundred dollars in savings by avoiding the purchase of separate insurance.

How does the everyday earn rate compare?

The TD Aeroplan Visa Infinite Card offers a better return on everyday purchases:- 1,5 point par dollar à l'épicerie et à l'essence; - 2 points par dollar sur Air Canada; - 1 point par dollar ailleurs; The Aeroplan American Express Card instead earns:- 2 points sur achats Air Canada et restaurants; - 1 point partout ailleurs; For a household spending $10,000 annually on groceries, the difference represents 5,000 Aeroplan points, or about $100 in additional rewards with TD.

Which card is more accessible for someone with a more modest income?

The Aeroplan American Express Card has no minimum income requirement, whereas the TD Aeroplan Visa Infinite Card requires $60,000 in personal income or $100,000 in household income.Amex is therefore the best choice for:- Les nouveaux arrivants sans antécédent canadien; - Les étudiants ou jeunes professionnels; - Les travailleurs autonomes avec revenu variable; American Express is also more lenient on credit history, making approval more accessible. Once you meet the eligible income requirement, you can then switch to TD to benefit from superior travel insurance.

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

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