TD First Class Travel vs TD Aeroplan: How to Choose
The main difference between TD First Class Travel® Visa Infinite* Card and TD Aeroplan is the rewards system. Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.
What is TD Aeroplan?
TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points. You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.
Aeroplan rewards
Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below:
| Card | NerdWallet rating | Annual fee | Interest rates | Rewards rate | Apply Now |
|---|---|---|---|---|---|
| TD® Aeroplan® Visa Infinite* Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 5.0/5 | $139 First year rebate | 21.99%/22.99% | 1x-1.5x Points | |
| TD® Aeroplan® Visa Platinum* Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 4.5/5 | $89 First year rebate | 21.99%/22.99% | 0.67x-1x Points | |
| TD® Aeroplan® Visa Infinite Privilege* Credit Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 4.8/5 | $599 | 21.99%/22.99% | 1.25x-2x Points | |
| TD® Aeroplan® Visa* Business Card | |||||
 | 3.8/5 | $149 First year rebate | 14.99%/22.99% | 1x-2x Points | |
Pros of TD Aeroplan
Range of cards to choose from.
Business card available.
Most cards include travel insurance, such as medical, baggage delay and flight cancellation.
Cons of TD Aeroplan
The redemption program focuses mainly on Air Canada.
Lower earn rates than similar cards, including the TD First Class Travel card.
What is TD First Class Travel?
TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa* Card, TD Travel Rewards Visa and TD Business Travel Visa* Card also earn TD Rewards Points.
View details
Points for every $1 you spend when you book travel through Expedia® For TD†.
Points for every $1 you spend on Groceries, Dining, and Public Transit†.
Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
Points for every $1 you spend on other Purchases made using your Card†.
Avid Expedia users will get the most out of this card, with its top earn rate (8x TD points) on bookings made through the travel platform. An annual travel credit, airport lounge access and insurances round out this card as a solid pick for jetsetters. But the $139 may be too steep for some, and if you don’t use Expedia, the rewards may not be as fruitful. Best for: Frequent travellers and Expedia surfers who spend big on groceries, dining, and transit.
Pros
- $100 travel credit, annually.
- Airport lounge access and four free passes.
- Comprehensive travel insurance.
Cons
- Higher than average $139 annual fee for points card.
- Top earn rate (8x points) only applies to Expedia bookings.
- Earn up to $1,300 in value†, including up to 146,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 126,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Get an Annual Fee Rebate for the first year†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)*.
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
- Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
- Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
TD First Class Travel rewards
The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.
8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
6x TD Rewards Points on groceries, dining purchases and public transit.
4x TD Rewards Points on recurring bill payments, streaming, digital gaming and media purchases.
2x TD Rewards Points on everything else.
Pros of TD First Class Travel
High reward earn rates compared to TD Aeroplan cards.
Travel TD Rewards Points can be redeemed with multiple booking platforms.
Includes travel insurance, such as medical, baggage delay and flight cancellation.
Cons of TD First Class Travel
Only one First Class Travel card to choose from.
Highest earn rate is only for Expedia purchases.
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TD First Class Travel vs TD Aeroplan: Which is better?
TD Aeroplan beats First Class Travel on points value. Based on NerdWallet analysis, 1 Aeroplan point is worth 1.60 cents on average. By comparison, TD Rewards Points are worth about 0.23 to 0.47 cents each, depending on how you redeem them.
That doesn’t automatically make TD Aeroplan cards better than the TD First Class Travel Visa Infinite card. Aeroplan is strongest for people who fly with Air Canada and want travel perks tied to that program. TD First Class Travel may be more practical if you want broader redemption flexibility, higher everyday earn rates and travel benefits that are not tied as closely to one airline.
Look at features like annual fees, welcome offers, reward categories, redemption options, interest rates and insurance perks when making your decision.
FEATURE | TD First Class Travel Visa Infinite card | TD Aeroplan Cards |
|---|---|---|
Annual fee | $139 | $89 to $599, depending on the card. |
Purchases APR | 21.99% | 21.99% (14.99% for the TD Aeroplan Visa Business). |
Welcome offer | Up to 146,000 TD Rewards Points, plus a first-year Annual Fee Rebate and additional travel benefits | Varies by card. For example, the TD Aeroplan Visa Infinite card offers up to 40,000 Aeroplan points and a first-year Annual Fee Rebate |
Reward redemption options |
|
|
Highest reward earn rate | 8x TD Rewards Points on Expedia For TD purchases. | Up to 2x Aeroplan points on eligible Air Canada purchases, depending on the card. |
Notable travel perks | $100 annual TD Travel Credit when booking through Expedia For TD; 4 complimentary Visa Airport Companion lounge visits; travel insurance. | Air Canada benefits may include free checked bags, NEXUS fee rebates, preferred pricing and lounge access, depending on the card. |
Points expiration | Points never expire (the account must be in good standing). | Aeroplan points expire after 18 months of inactivity (policy takes effect on November 30, 2026). |
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