Which Aeroplan card offers the best welcome bonus?

Both cards offer attractive welcome bonuses, but the structure differs:- American Express Aeroplan Card: up to 45,000 Aeroplan points, including 35,000 points after $7,500 in purchases within 6 months, then an additional 10,000 points in the 13th month.; - TD Aeroplan Visa Infinite Card: up to 40,000 Aeroplan points, including 10,000 points after the first purchase, 15,000 points after $3,000 in purchases within 90 days, and an additional 15,000 points after $12,000 in purchases within 12 months.; The American Express card offers the highest total points, while the TD card provides a faster structure at the start and a first year without fees.

Which one offers the best travel insurance coverage?

The TD Aeroplan Visa Infinite Card clearly leads on travel insurance, with:- Trip cancellation insurance up to $1,500 per person; - Emergency medical care up to $2,000,000 (10 days for ages 65+); - Trip interruption insurance and baggage delay; - Car rental insurance; 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 points per dollar on groceries and gas; - 2 points per dollar on Air Canada; - 1 point per dollar everywhere else; The Aeroplan American Express Card instead earns:- 2 points on Air Canada and restaurant purchases; - 1 point everywhere else; 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:- Newcomers with no Canadian credit history; - Students or young professionals; - Self-employed workers with variable income; 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.