{"id":442499,"date":"2026-03-02T04:50:00","date_gmt":"2026-03-02T09:50:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=442499"},"modified":"2026-03-02T10:05:55","modified_gmt":"2026-03-02T15:05:55","slug":"comparison-td-aeroplan-visa-infinite-vs-mastercard-bmo-viporter-world-elite","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-td-aeroplan-visa-infinite-vs-mastercard-bmo-viporter-world-elite\/","title":{"rendered":"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/cards\/td\/\">TD Bank<\/a> and the Bank of Montreal <a href=\"https:\/\/milesopedia.com\/en\/cards\/bmo\/\" target=\"_blank\" rel=\"noopener\">(BMO<\/a>) each offer a credit card that lets you earn points to purchase airline tickets with Canadian airlines:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/li>\n<li><a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492,438105\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;links&#8221;]<\/p>\n<p>We&#8217;ll now look at the main differences between these credit cards in terms of:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text]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.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With this welcome offer for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you can get up to <strong>45,000 Aeroplan points<\/strong>, with no annual fee for the first year.<\/p>\n<p>Here&#8217;s how:<\/p>\n<ul>\n<li><strong>10,000 Aeroplan<\/strong><strong> points<\/strong> after first purchase<\/li>\n<li><strong>15,000 Aeroplan points<\/strong>, if you spend $3,000 within 90 days of account opening<\/li>\n<li><strong>20,000 Aeroplan points<\/strong> when you spend $12,000 within 12 months of account opening<\/li>\n<\/ul>\n<p>Based on our <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\">valuation<\/a> of Aeroplan points (2 cents per point), this welcome bonus is worth approximately <strong>$900<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you sign up for the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a>, you can earn up to 70,000 VIP points, plus a few extra gifts:<\/p>\n<ul>\n<li><strong>20,000 points<\/strong> after $5,000 in purchases within the first 110 days of account opening;<\/li>\n<li><strong>20,000 points<\/strong> after <span class=\"nowrap\">$9,000<\/span> in purchases within the first 180 days of account opening;<\/li>\n<li><strong>30,000 points<\/strong> after $18,000 in purchases within the first 365 days of account opening;<\/li>\n<li>A round-trip companion pass (second ticket free, excluding taxes and fees, on a Porter flight);<\/li>\n<li><span class=\"nowrap\">$1,000<\/span> in eligible spending for your VIPorter status;<\/li>\n<li>No fees for the first year.<\/li>\n<\/ul>\n<p>Based on our valuation of VIPorter points (1.5 cents per point), this welcome bonus corresponds to an approximate total value of <strong>$1,249<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_bmo_viporter_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In terms of value, the BMO VIPorter World Elite Mastercard offers the best welcome bonus. However, you will need to spend $18,000 over 12 months (an average monthly spend of $1,500 for one year) to earn all the points included in the offer. This is 20% higher than its competitor (an average monthly spend of $1,250 for one year).  <\/p>\n<p>However, the BMO VIPorter World Elite Mastercard has an additional perk: the companion pass. This allows you to purchase one airline ticket and get the second one free (you only have to pay taxes and other fees). <a href=\"https:\/\/milesopedia.com\/en\/guide\/destinations-porter-airlines-viporter\/\">Depending on your destination<\/a>, you could save several hundred more dollars. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires a minimum personal income of $60,000 or $100,000 in annual household income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> requires a minimum individual income of $80,000 per year or an annual family income of $150,000.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> is less demanding in terms of <a href=\"https:\/\/milesopedia.com\/en\/guide\/income-application-credit-card\/\" target=\"_blank\" rel=\"noopener\">minimum income<\/a> than its competitor.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> has an annual fee of $139, but it&#8217;s waived for the first year thanks to its current welcome offer.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> has an annual fee of $199, but it&#8217;s waived for the first year thanks to its current welcome offer.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The annual fee for the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> is lower than the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a>.<\/p>\n<p>In any case, thanks to current promotions that waive the annual fees for the first year, you have the choice between two free cards.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492,438105\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a> and the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> each offer different levels of point accumulation.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Accumulation Levels&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;accumulation_levels&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card, the maximum points accumulated are <strong>1.5 Aeroplan points<\/strong> per dollar for purchases:<\/p>\n<ul>\n<li>Grocery purchases<\/li>\n<li>Gas purchases<\/li>\n<li>With Air Canada and Air Canada Vacations<\/li>\n<\/ul>\n<p><strong>1 Aeroplan points<\/strong> per dollar on all other purchases.<\/p>\n<p>We <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\" target=\"_blank\" rel=\"noopener\">value<\/a> an Aeroplan point at 2 cents.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*, you earn VIPorter points on the following purchases:<\/p>\n<ul>\n<li><strong>3 VIPorter points<\/strong> for every dollar spent on purchases with Porter<\/li>\n<li><strong>2 VIPorter points<\/strong> for every dollar spent:\n<ul>\n<li>Gas and transport<\/li>\n<li>At the grocery store and restaurant<\/li>\n<li>Hotel stays<\/li>\n<\/ul>\n<\/li>\n<li><strong>1 VIPorter point<\/strong> for every dollar spent on everything else.<\/li>\n<\/ul>\n<p>We value a VIPorter point at 1.5 cents.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage&nbsp;: TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>VIPorter points and Aeroplan points are two different kinds of points, each with a different value:<\/p>\n<ul>\n<li>1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/viporter\/\" target=\"_blank\" rel=\"noopener\">VIPorter<\/a> point = $0.015<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\" target=\"_blank\" rel=\"noopener\">1 point Aeroplan<\/a> = $0.020<\/li>\n<\/ul>\n<p>So we have to do a little math to figure out which of the two accumulates the most value, depending on our consumption habits. Take the following examples:<\/p>\n<table style=\"height: 257px; width: 100%; border-collapse: collapse;\">\n<thead>\n<tr style=\"height: 143px;\">\n<td style=\"width: 22.2918%; height: 143px;\"> <\/td>\n<td style=\"width: 22.1971%; height: 143px; text-align: center;\">$100 at the grocery store or gas station<\/td>\n<td style=\"width: 28.963%; height: 143px; text-align: center;\">$100 for a purchase in an &#8220;Other&#8221; category (hardware, clothing, drugstore, etc.)<\/td>\n<td style=\"width: 14.0068%; height: 143px; text-align: center;\">Total value<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 91px;\">\n<td style=\"width: 22.2918%; height: 91px;\">BMO VIPorter World Elite Mastercard<\/td>\n<td style=\"width: 22.1971%; text-align: center; height: 91px;\">\n<p><strong>200 VIPorter points<\/strong><\/p>\n<p>($100 x 2 points\/$1)<\/p>\n<\/td>\n<td style=\"width: 28.963%; text-align: center; height: 91px;\">\n<p><strong>100 VIPorter points<\/strong><\/p>\n<p>($100 x 1 point\/$1)<\/p>\n<\/td>\n<td style=\"width: 14.0068%; text-align: center; height: 91px;\">\n<p><strong>$4.50 <\/strong><\/p>\n<p>(300 points x 0.015)<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 22.2918%; height: 23px;\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/td>\n<td style=\"width: 22.1971%; height: 23px; text-align: center;\">\n<p><strong>150 Aeroplan points <\/strong><\/p>\n<p>($100 x 1.5 points)<\/p>\n<\/td>\n<td style=\"width: 28.963%; height: 23px; text-align: center;\">\n<p><strong>100 Aeroplan points <\/strong><\/p>\n<p>($100 x 1 point)<\/p>\n<\/td>\n<td style=\"width: 14.0068%; height: 23px; text-align: center;\">\n<p><strong>$5<\/strong><\/p>\n<p>(250 points x 0.02)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>At first glance, the difference seems slight. However, the TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card earns approximately 11% more than its rival. When considering the accumulation of amounts over a year, this difference can actually prove to be significant.  <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"442437,247773\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>These two credit cards accumulate points for different airline programs, but the principle remains the same when it comes to use.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For Travel&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_travel&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Each month, the Aeroplan points accumulated through the purchases of the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> are automatically credited to the cardholder&#8217;s <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\">Aeroplan<\/a> cardholder&#8217;s account.<\/p>\n<p>Then, to use Aeroplan points, you need to book your flight on the <a href=\"https:\/\/www.aircanada.com\/\" target=\"_blank\" rel=\"noopener\">Air Canada<\/a> or <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/air-canada-vacations-points-aeroplan\/\" target=\"_blank\" rel=\"noopener\">Air Canada Vacations <\/a>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: <\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/united-787-8-business-class\/\">United Airlines<\/a>, Air New Zealand, <a target=\"_blank\" href=\"\/?p=97434\">Cathay Pacific<\/a>;<\/li>\n<li>Egyptair, <a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/emirates-a380-business-class\/\">Emirates<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/rewards\/etihad-airways-aeroplan\/\">Etihad<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/lufthansa-a350-business-class-ex-philippines\/\">Lufthansa<\/a>, <a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/singapore-airlines-a380-first-class-suites\/\">Singapore Airlines<\/a>;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/swiss-a340-affaires\/\">Swiss<\/a>, TAP Air Portugal, <a href=\"https:\/\/milesopedia.com\/en\/reviews\/flights\/turkish-airlines-business-a330\/\">Turkish Airlines<\/a>, etc.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Each month, VIPorter points earned with the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* are credited to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/destination-ideas-viporter-points\/\" target=\"_blank\" rel=\"noopener\">VIPorter<\/a> member account, a few days after the monthly statement is issued.<\/p>\n<p>Then, the VIPorter member can spend their VIPorter points to purchase an airline ticket on Porter flights, but also with two other partners:<\/p>\n<ul>\n<li><a href=\"\/?p=328266\" target=\"_blank\" rel=\"noopener\">Air Transat<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/new-exchange-points-viporter-air-transat-alaska-airlines\/\" target=\"_blank\" rel=\"noopener\">Alaska Airlines<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Thanks to the flexibility of the Aeroplan points, they can be used in a variety of ways, such as&nbsp;:<\/p>\n<ul>\n<li>Flights;<\/li>\n<li>Merchandise;<\/li>\n<li>A <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/hotelsavers-fourth-night-free-aeroplan-credit-cardholders\/\" target=\"_blank\" rel=\"noopener\">hotel room<\/a> or car rental;<\/li>\n<li>Gift cards;<\/li>\n<li>Book an All-inclusive vacation package with Air Canada Vacations&nbsp;;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/bid-upgrades-air-canada\/\" target=\"_blank\" rel=\"noopener\">AC upgrade<\/a> or free Wi-Fi on board.<\/li>\n<\/ul>\n<p>Moreover, the approximately fifty Star Alliance partners allow for travel all over the world. This is not the case with Porter, where the territory is more limited. <\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"194291,440816\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other Benefits&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;other_benefits&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;98658&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card <\/a>you&#8217;ll enjoy the following benefits:<\/p>\n<ul>\n<li>Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;<\/li>\n<li>Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases;<\/li>\n<li>$100 Statement credit every 4 years for NEXUS program enrollment or renewal fees;<\/li>\n<li>Access to <a href=\"https:\/\/www.visainfinite.ca\/infinite\/en\/indice.html\" target=\"_blank\" rel=\"noopener\">Visa Infinite<\/a> Privileges (concierge, luxury hotel collection, vineyard tours, additional travel privileges)&nbsp;;<\/li>\n<li>Optional TD Auto Club membership (roadside assistance);<\/li>\n<li>Various promotions with Aeroplan <a href=\"\/?p=182227\" target=\"_blank\" rel=\"noopener\">(Aeroplan points rebate<\/a>, <a href=\"\/?p=163626\" target=\"_blank\" rel=\"noopener\">discounts on flights<\/a>, <a href=\"\/?p=158918\" target=\"_blank\" rel=\"noopener\">credits or Aeroplan points<\/a> to your account, <a href=\"https:\/\/milesopedia.com\/en\/news\/td-starbucks-etoile-points\/\" target=\"_blank\" rel=\"noopener\">linking your account with Starbucks<\/a>).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>, you can also take advantage of several other benefits:<\/p>\n<ul>\n<li>Automatically receive the elevated status of Avid Traveller within the VIPorter Horizon program<\/li>\n<li>One round-trip companion pass per year with a minimum purchase<\/li>\n<li>A second round-trip companion pass, thanks to the welcome offer.<\/li>\n<li>Benefits that apply to a maximum of eight companions traveling on the same reservation:\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/free-baggage-porter\/\" target=\"_blank\" rel=\"noopener\"> First checked bag free<\/a><\/li>\n<li>Free carry-on baggage on all Porter flight fares<\/li>\n<li>Complimentary seat selection in PorterClassic.<\/li>\n<li>Priority security screening.<\/li>\n<li>Priority rebooking on another flight in case of a delay<\/li>\n<li>Exclusive check-in.<\/li>\n<li>Early boarding<\/li>\n<\/ul>\n<\/li>\n<li>No expiration of VIPorter points.<\/li>\n<li>Earn $1 in eligible spending towards a higher Avid Traveller status for every $25 spent<\/li>\n<li>7 cents off a liter of gasoline at Shell<\/li>\n<li>Free <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">Mastercard Travel Pass membership provided by DragonPass<\/a><\/li>\n<li>Up to 20% discount on car rentals with National, Alamo and up to 5% with Enterprise<\/li>\n<li>Up to 7% discount on hotel and property bookings with Booking.com.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_bmo_viporter_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Both cards offer a wide range of benefits for travellers, but the BMO VIPorter World Elite Mastercard stands out. Its main advantage is the <a href=\"https:\/\/milesopedia.com\/en\/news\/viporter-companion-pass\/\">annual companion voucher<\/a>, which provides savings on a second flight ticket each year. <\/p>\n<p>However, it&#8217;s unfortunate that a minimum of $50,000 in annual spending is required to take advantage of it, which is a considerable sum compared to other <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-for-companion-fares\/\">credit cards with companion vouchers<\/a>.<\/p>\n<p>In return, the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* is virtually the only credit card in Canada that gives you high status with an airline, effortlessly.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438800\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Insurance&#8221; el_id=&#8221;insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 307px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 10px; text-align: center;\">Insurance<\/td>\n<td style=\"width: 26.2875%; height: 10px; text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-98657 aligncenter\" title=\"TD Aeroplan Visa Infinite Privilege Card\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-450x283.png\" alt=\"Td Visa Infinite Aeroplan New\" width=\"190\" height=\"120\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-450x283.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-1024x644.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-200x126.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-768x483.png 768w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png 1140w\" sizes=\"auto, (max-width: 190px) 100vw, 190px\" \/><\/td>\n<td style=\"width: 23.7125%; height: 10px; text-align: center;\"><img class=\" wp-image-438078\" title=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" width=\"225\" height=\"148\"><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Trip Cancellation Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $1,500 per person<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $1,500 per person<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Trip interruption insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $5,000 per trip<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to <strong>$10,000 per trip<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.3333%; height: 48px; text-align: center;\">Out-of-province\/country emergency medical coverage<\/td>\n<td style=\"width: 26.2875%; height: 48px; text-align: center;\">Up to $2,000,000 for 21 days<\/td>\n<td style=\"width: 23.7125%; height: 48px; text-align: center;\">Up to <strong>$5,000,000<\/strong> for <strong>21 days<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Flight delay insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $500<br \/>\nafter 4 hours<\/td>\n<p><\/p>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Baggage Delay Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to <strong>$1,000 per person<\/strong><br \/>\nafter 6 hours<\/td>\n<p><\/p>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 per person<br \/>after 6 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Baggage loss or theft insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">up to<strong> $1,000<\/strong><\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 per person<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Hotel burglary insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">up to <strong>$2,500<\/strong><\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">up to $1,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Rental car theft and damage insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">up to $65,000<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">up to $65,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Travel accident insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">$500,000<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">$500,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Purchase Protection<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">1 additional year<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">1 additional year<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 10px; text-align: center;\">Purchase Guarantee<\/td>\n<td style=\"width: 26.2875%; height: 10px; text-align: center;\">90 days<\/td>\n<td style=\"width: 23.7125%; height: 10px; text-align: center;\">90 days<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 33.3333%; text-align: center; height: 23px;\">Mobile Device Insurance<\/td>\n<td style=\"width: 26.2875%; text-align: center; height: 23px;\">Up to <strong>$1,000<\/strong><\/td>\n<td style=\"width: 23.7125%; text-align: center; height: 23px;\">&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Tie&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_tie&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The two cards are very similar in terms of insurance.<\/p>\n<p>The TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card offers some more generous coverage compared to its competitor, in addition to providing mobile device insurance. Additionally, it requires that at least 75% of travel purchases be charged to the card or paid with Aeroplan points. <\/p>\n<p>In contrast, the BMO VIPorter World Elite Mastercard requires that the cost of the travel expense be charged to the card the majority of the time (except for <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\" target=\"_blank\" rel=\"noopener\">cancellation and interruption<\/a> insurance, which requires only a portion). However, its insurance coverage for medical expenses in the best! <\/p>\n<p>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: <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">The best credit cards for travel insurance with rewards points<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which card is the winner?<\/p>\n<p>For its great flexibility with Aeroplan points and the ability to depart from anywhere in the world, the <a title=\"TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-aeroplan-visa-infinite-card\/\" rel=\"noindex\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to&nbsp;:<\/p>\n<ul>\n<li>Robust travel insurance;<\/li>\n<li>The accumulation and higher value of its points;<\/li>\n<li>Its advantageous promotions with Aeroplan;<\/li>\n<li>The flexibility of Aeroplan points, which allows you to travel on Air Canada and its network of around fifty partners worldwide (including SWISS, United, Lufthansa, Emirates, Austrian Airlines, Cathay Pacific, Singapore Airlines, TAP Air Portugal, etc.);<\/li>\n<li>Its lower minimum income requirements.<\/li>\n<\/ul>\n<p>While the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a> has a lot going for it:<\/p>\n<ul>\n<li>The companion pass that allows for a free second flight ticket for a travel companion each year;<\/li>\n<li>Its excellent welcome offer, including points and an additional travel companion pass thanks to the welcome promotion;<\/li>\n<li>The possibility of being used at <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/best-credit-cards-for-costco\/\">Costco;<\/a><\/li>\n<li>Easy access to VIPorter Venture status.<\/li>\n<li>The only option to redeem points for free flight tickets to various destinations on Air Transat;<\/li>\n<li>Its discounts on fuel at Shell, car rentals, and hotels;<\/li>\n<li>Have a charming raccoon mascot on your credit card;<\/li>\n<li>Complimentary checked baggage, carry-on baggage, and seat selection.<\/li>\n<\/ul>\n<p>To learn more about the VIPorter Grand Voyageur elite status, consult our complete guide <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-guide-viporter-elite-status\/\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492,438105\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer 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This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard | April 2026 | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here&#039;s our detailed comparison between the TD Visa Infinite Card Aeroplan and the BMO VIPorter World Elite Mastercard.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-td-aeroplan-visa-infinite-vs-mastercard-bmo-viporter-world-elite\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard\" \/>\n<meta property=\"og:description\" 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