Our valuationMilesopedia 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.
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on:
Grocery purchases
Gas and electric vehicle charging purchases
Purchases made directly with Air Canada® (including Air Canada Vacations®)
You also earn 1 point† per dollar on all other eligible purchases made with your card.
Legal
†Terms and conditions apply.
Annual fee
Primary card$139
Additional card$75
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
1.5xGas
1.5xGroceries
1.5xAir Canada flights
1xAll spending
Value
1st Year Value$1,714
2nd Year Value$425
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Our valuationMilesopedia 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.
With the WestJet RBC® World Elite Mastercard‡, you can earn up to 70,000 WestJet points as a welcome bonus:
30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary
The offer ends on November 18, 2026.
An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.
A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.
Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.
Up to 2 WestJet points per dollar
2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases
The annual fee is $139, plus $59 per additional card.
Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.
Legal
® / MC Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).
You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.
Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
Annual fee
Primary card$139
Additional card$59
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
2xGroceries
2xGas
2xTransit
2xWith the partner brand
1.5xAll spending
Value
1st Year Value$1,098
2nd Year Value$263
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceIncluded
Auto Rental CollisionUp to $65,000 / 48 days
We’ll now look at the main differences between these credit cards in terms of:
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 50,000 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
25,000 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 $1,000.
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.
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:
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).
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;
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.
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.).
Our valuationMilesopedia 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.
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on:
Grocery purchases
Gas and electric vehicle charging purchases
Purchases made directly with Air Canada® (including Air Canada Vacations®)
You also earn 1 point† per dollar on all other eligible purchases made with your card.
Legal
†Terms and conditions apply.
Annual fee
Primary card$139
Additional card$75
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
1.5xGas
1.5xGroceries
1.5xAir Canada flights
1xAll spending
Value
1st Year Value$1,714
2nd Year Value$425
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Our valuationMilesopedia 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.
With the WestJet RBC® World Elite Mastercard‡, you can earn up to 70,000 WestJet points as a welcome bonus:
30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary
The offer ends on November 18, 2026.
An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.
A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.
Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.
Up to 2 WestJet points per dollar
2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases
The annual fee is $139, plus $59 per additional card.
Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.
Legal
® / MC Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡ All other trademarks are the property of their respective owner(s).
1 To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.
You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).
You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.
The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.
You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.
Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
Annual fee
Primary card$139
Additional card$59
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
2xGroceries
2xGas
2xTransit
2xWith the partner brand
1.5xAll spending
Value
1st Year Value$1,098
2nd Year Value$263
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Travel medical (65+)Included
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceIncluded
Auto Rental CollisionUp to $65,000 / 48 days
Frequently Asked Questions about the TD Aeroplan Visa Infinite vs WestJet RBC World Elite Mastercard comparison
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 50,000 Aeroplan points for the TD card. In value, however, the gap reverses in TD's favour: Aeroplan points are worth about 2 cents each for reward flights, putting 50,000 points at around $1,000, 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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