TD Aeroplan Visa Infinite Card vs. TD Cash Back Visa Infinite

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Selected cards

TD Aeroplan Visa Infinite Card

Aeroplan

Annual Fee: $139.00
First Year Bonus Value: $500.00
Net Annual Rewards: $140.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $779.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: September 29, 2026. Confirm current terms with the issuer.Official issuer source

TD Cash Back Visa Infinite

Annual Fee: $139.00
First Year Bonus Value: $195.30
Net Annual Rewards: $324.20Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $658.50

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card

Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

TD Aeroplan Visa Infinite Card$139.00 annual fee

TD Cash Back Visa Infinite$139.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
Regular annual fee	$139	$139
Foreign transaction fee	2.5%	—
Rewards program	Aeroplan	—
Purchase APRValues differ	20.99%	21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
First-year valueValues differ	$779	$658.5
Net annual rewardsValues differ	$140	$324.2
Your inputValues differ	—	Needs your input
First-year bonus valueValues differ	$500	$195.3
Welcome offer	Up to 50,000 Aeroplan points + first-year fee rebate	—

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

TD Cash Back Visa Infinite

Annual estimate assumptions for TD Cash Back Visa Infinite

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible groceries · CAD/monthEligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Parent: $500/month; remaining: $500/month.Eligible gas · CAD/monthEligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Parent: $150/month; remaining: $150/month.Eligible transit · CAD/monthEligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Parent: $80/month; remaining: $80/month.Eligible recurring bills · CAD/monthEligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Parent: $200/month; remaining: $200/month.Eligible streaming / digital gaming / media · CAD/monthEligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Parent: $100/month; remaining: $100/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
How you earnValues differ	1.5 Aeroplan_points / $1 on Eligible gas, EV charging, groceries and direct Air Canada purchases 1 Aeroplan_points / $1 on Other eligible purchases 1.5 Aeroplan_points / $1 on Participating Hyatt purchases — dated Aeroplan promotion 1 World_of_Hyatt_points / $1 on Participating Hyatt purchases — separate program currency	3% cash back on eligible groceries, gas/EV charging, public transit, recurring bills and streaming/digital media 1% cash back on all other purchases
Groceries	1.5 points per dollar	—
Gas / EV Charging	1.5 points per dollar	—
Travel	1.5 points per dollar	—
Other Purchases	1 points per dollar	—
Base / other eligible purchasesValues differ	1 points per dollar	1% cash back
Reward conditions	—	View reward conditions 3% cash back on eligible groceries, gas/EV charging, public transit, recurring bills and streaming/digital media; 1% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Eligible merchant categories and annual category spending limits apply; confirm current issuer definitions. Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum. Open active good-standing account required; inactivity/closure forfeiture conditions apply. Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest. Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology. 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum. Open active good-standing account required; inactivity/closure forfeiture conditions apply. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
Regular annual fee	$139	$139
Supplementary-card fee	$50	—
Foreign transaction fee	2.5%	—
Purchase APRValues differ	20.99%	21.99%
Cash advance APR	22.99%	22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
Personal annual income	$60,000	$60,000
Household annual income	$100,000	$100,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
InsuranceValues differ	Travel Medical & Trip InsuranceIncluded	Mobile-device insuranceIncluded
Other benefitsValues differ	First checked bag on eligible Air Canada travelIncluded NEXUS application fee rebateIncluded	Deluxe TD Auto Club roadside assistanceIncluded Visa Infinite conciergeIncluded

Sources

Sources for the selected cards, in selected order.
Fact	TD Aeroplan Visa Infinite Card	TD Cash Back Visa Infinite
Last verifiedValues differ	Last verified: September 29, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

Continue your comparison

Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.