Head to Head: TD Aeroplan Visa Infinite Card vs. WestJet RBC® World Elite Mastercard
- Beginner
TD Bank and Royal Bank of Canada(RBC) each offer a credit card that lets you earn points to purchase airline tickets with Canadian airlines:
To see how this card stacks up against other WestJet RBC options, check out our ranking of the best WestJet credit cards.
- Annual fee
- $0 $139No annual fee the first year
- No annual fee the first year
- Our valuation
- $1,139Milesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
- + First Year Annual Fee Rebate
on TD's website
- Annual fee
- $139
- Our valuation
- $700Milesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
- Ends Nov 4, 2026
on RBC's website
We’ll now look at the main differences between these credit cards in terms of:
Welcome Bonus
The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are differences to be aware of between the two credit cards.
With this welcome offer for the TD® Aeroplan® Visa Infinite* Card, you can earn up to 40,000 Aeroplan points, with no fee in the first year. Here’s how:
- 10,000 Aeroplan points after first purchase
- 15,000 Aeroplan points, if you spend $3,000 within 90 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 represents an approximate value of $800.
With the WestJet RBC® World Elite Mastercard‡, you can earn up to 70,000 WestJet points:
- 70,000 WestJet points when you spend $5,000 or more in the first three months
- A travel companion voucher starting at $119 after your first purchase
Plus, get an annual round-trip companion voucher after spending $5,000 on the card.
According to our valuation, one WestJet point is worth 1 cent. Therefore, this welcome offer has a value of $450.
Advantage: TD Aeroplan Visa Infinite Card
With $3,000 in spending, it is possible to quickly earn 25,000 Aeroplan points with the TD Visa Infinite* ® Aeroplan® Card.
In addition, this card includes a rebate on the annual fee in the first year, as well as several travel benefits such as the first checked bag free on eligible Air Canada flights.
Minimum Income
The TD® Aeroplan® Visa Infinite* Card requires a minimum personal income of $60,000 or $100,000 in annual household income.
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 Fee
The TD® Aeroplan® Visa Infinite* Card has an annual fee of $139, but this annual fee is refunded in the first year.
The WestJet World Elite Mastercard RBC® has an annual fee of $139.
TD® Aeroplan® Visa Infinite* Card
The annual fee for the TD® Aeroplan® Visa Infinite* Card is similar to the RBC WestJet World Elite Mastercard®. With the current promotion refunding the annual fee in the first year, the TD® Aeroplan® Visa Infinite* Card has a big head start!
Earning Points
The WestJet RBC® World Elite Mastercard and the TD® Aeroplan® Visa Infinite* Card each offer different levels of point accumulation.
Accumulation Levels
With the TD® Aeroplan® Visa Infinite* Card the maximum points earned is 1.5 points Aeroplan per dollar for purchases :
- Grocery purchases
- Gas purchases
- With Air Canada and Air Canada Vacations
1 Aeroplan points per dollar on all other purchases.
With the WestJet RBC® World Elite Mastercard, you earn WestJet points on the following purchases:
- 1.5 WestJet points on all regular purchases
- 2 WestJet points on flights with WestJet or WestJet Vacations
Advantage : TD® Aeroplan® Visa Infinite* Card
WestJet points and Aeroplan points are two different kinds of points, each with a different value:
- 1 WestJet point = $0.01
- 1 point Aeroplan = $0.02
So you have to do a bit of math to figure out which accumulates the most value between the two. Take the following examples:
| 0 at the grocery store or gas station | 0 for a purchase in an « Other » category (hardware, clothing, drugstore, etc.) | Total value | |
| WestJet RBC® World Elite Mastercard‡ |
150 WestJet points ($100 x 1.5 points) |
150 WestJet points ($100 x 1.5 points) |
$3 (300 points x $0.01) |
| 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 points.
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
Each month, the Aeroplan points accumulated through the purchases of the TD® Aeroplan® Visa Infinite* Card are automatically credited to the cardholder’s Aeroplan cardholder’s account.
Then, to use Aeroplan points, you need to book your flight on the Air Canada or Air Canada Vacations website. These Aeroplan points allow you to get a cheaper vacation package or an airline ticket with around fifty partners, members of the Star Alliance network, such as:
- United Airlines, Air New Zealand, Cathay Pacific;
- Egyptair, Emirates, Etihad, Lufthansa, Singapore Airlines;
- Swiss, TAP Air Portugal, Turkish Airlines, etc.
WestJet points earned with the WestJet RBC® World Elite Mastercard‡ are credited to the WestJet Rewards membership account.
The WestJet member can then redeem these WestJet points to deduct all or part of the cost of:
- 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 the Aeroplan points, they can be used in a variety of ways, such as :
- Flights;
- Merchandise;
- A hotel room or car rental;
- Gift cards;
- Book a vacation package with Air Canada Vacations ;
- AC upgrade or free Wi-Fi on board.
Other Benefits
With the TD® Aeroplan® Visa Infinite* Card you’ll enjoy 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 enrollment 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 your account, linking your account with Starbucks).
With the WestJet RBC® World Elite Mastercard‡ you can also enjoy a number of other benefits:
- Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;
- Companion voucher issued each year after spending $5,000, allowing a guest to enjoy a reduced fare (taxes and fees payable):
- $119 or $219 for travel in Canada and the United States (except Hawaii)
- $399 or $499 for other WestJet flights
- Or exchange it for 2 free accesses to WestJet partner airport lounges, a 30% discount on a flight for a solo traveler, or a $200 credit applicable to a WestJet Vacations or Sunwing package;
- Link your RBC card to Petro-Points to save 3¢/litre on gas;
- Earn 20% more Petro-Points at Petro-Canada;
- Get a $500 boost toward higher WestJet Rewards status tiers for every $15,000 in net purchases;
- Earn 50 Be Well points per dollar on eligible purchases at Rexall when you pay with the card;
- Free Boingo Wi-Fi with Mastercard Travel Pass;
- A free 12-month DoorDash DashPass subscription, with unlimited free delivery on orders of $15 or more, when you pay 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 |  |  |
| Trip Cancellation Insurance | Up to $1,500 | None |
| Trip Interruption Insurance | Up to $5,000 | Up to $5,000 |
| Out-of-Province/Country Emergency Medical Insurance | 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 |
| Delayed Baggage Insurance | Up to $1,000 after 6 hours | Up to $500 after 4 hours |
| Lost or stolen luggage insurance | Up to $1,000 | Up to $500 |
| Hotel Burglary Insurance | Up to $2,500 | Up to $2,500 |
| Car Rental Theft and Damage Insurance | Up to $65,000 | Up to $65,000 |
| Travel Accident Insurance | $500,000 | $500,000 |
| Purchase Protection Plan | 1 additional year | 1 additional year |
| Buyer’s Assurance Protection Plan | 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.
Conclusion
So? Which card is the winner?
For great flexibility thanks to Aeroplan points, and to start from anywhere in the world, the TD® Aeroplan® Visa Infinite* Card stands out thanks to :
- Robust travel insurance;
- Its annual fee is reimbursed in full in the first year;
- The accumulation and highest value of its points;
- Take advantage of our special offers at Aeroplan;
- Its points Aeroplan which allows you to travel on Air Canada and its fifty or so partners (SWISS, United, Lufthansa, Emirates, Austrian Airlines, Cathay Pacific, Singapore Airlines, TAP Air Portugal, etc.).
- Its lower minimum income requirements.
While the WestJet RBC® World Elite Mastercard makes a strong case for:
- The opportunity to earn 1.5 WestJet points at Costco ;
- Its boosted welcome offer of 70,000 WestJet points;
- The travel companion voucher that saves you an average of $500 on a plane ticket for your travel companion.
- Annual fee
- $0 $139No annual fee the first year
- No annual fee the first year
- Our valuation
- $1,139Milesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
- + First Year Annual Fee Rebate
on TD's website
- Annual fee
- $139
- Our valuation
- $700Milesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
- Ends Nov 4, 2026
on RBC's website
Frequently Asked Questions about the TD Aeroplan Visa Infinite vs WestJet RBC World Elite Mastercard comparison
Here are frequently asked questions in the milesopedia community about this card.
Which card offers the best welcome bonus between the TD Aeroplan Visa Infinite and the WestJet RBC?
The WestJet World Elite card now offers the highest bonus in terms of points, at up to 70,000 WestJet points, compared to up to 45,000 Aeroplan points for the TD card. In value, the gap narrows but still favours TD: Aeroplan points are worth about 2 cents each for reward flights, putting 45,000 points at around $900, while WestJet points are worth about 1 cent each, or about $700 for 70,000 points. The TD card also waives its $139 annual fee for the first year, whereas WestJet charges it right away. In terms of the bonus’s raw value, the TD Aeroplan card is almost twice as rewarding.
Should I choose the WestJet card if I live in Western Canada?
If you live in Calgary, Edmonton, or another hub where WestJet dominates, the WestJet RBC® World Elite Mastercard‡ is more convenient. The annual companion voucher can save $400 to $700 per use on most domestic and transborder flights, and the first checked bag free for up to 8 companions adds a lot of value for families. However, even in Calgary, TD Aeroplan remains competitive because Aeroplan can now be used with all Star Alliance partners, including United and Lufthansa, offering flexibility that WestJet simply cannot match.
Which one offers the best travel insurance coverage?
The TD Aeroplan Visa Infinite Card generally offers stronger travel insurance, including 21 days of out-of-province emergency medical coverage for travellers under 65, $1,500 per person in trip cancellation insurance, $2,500 in trip interruption, baggage loss or delay insurance, and rental car damage waiver coverage. The WestJet RBC offers more limited coverage, particularly for cancellation and interruption, and medical limits are lower. For families or older travellers, the TD card can help avoid hundreds of dollars in standalone coverage per trip.
Can I hold the TD Aeroplan and the WestJet RBC at the same time?
Yes, you can hold both cards at the same time, and several members of the Milesopedia community do so specifically to capture both the Air Canada and WestJet ecosystems. The TD card covers Star Alliance flights and serves as the primary travel insurance, while the WestJet card unlocks the annual companion voucher and free checked bags for family travel. The combined $278 in fees is easily offset with one or two companion uses plus the welcome bonuses. Space your applications at least 90 days apart to avoid stacking inquiries on your credit file.
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