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.