TD First Class Travel vs TD Aeroplan: How to Choose
Jun 4, 2024TD Aeroplan credit cards are tied to Air Canada’s reward program, while TD First Class Travel is the name of a specific TD Rewards Points card.
The main difference between TD First Class Travel 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:
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, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.
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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 and restaurants.
4x TD Rewards Points on recurring bill payments.
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.
TD First Class Travel vs TD Aeroplan: Which is better?
TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 1.60 cents. To compare, you can expect to get around 0.23 - 0.47 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.
That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical.Look at features like annual fees, 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 | 20.99% | 20.99% (14.99% for the TD Aeroplan Visa Business). |
Reward redemption options |
|
|
Highest reward earn rate | 8x TD Rewards Points on Expedia purchases. | 2x Aeroplan points on Air Canada purchases, depending on the card. |
Points expiration | Points never expire (the account must be in good standing). |
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Shannon Terrell
Hannah Logan
Shannon Terrell