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Mr. Loonie

Comparing 2 cards

TD Aeroplan Visa Business vs RBC Avion Visa Infinite Business

At small team spending, TD Aeroplan Visa Business is worth $91 more in year one and $192 more every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000

TD

TD® Aeroplan® Visa Business Card

Remove TD Aeroplan Visa Business

RBC

RBC Avion Visa Infinite Business

Remove RBC Avion Visa Infinite Business
What it’s worth to you
Better: $3,076
Year one · The full offer.
Better: Every year after $1,727

Points counted at 2 cents each, our value for Aeroplan. Why we value TD Aeroplan Visa Business this way

Better: $2,985
Year one · The full offer.
Better: Every year after $1,535

Points counted at 1.7 cents each, our value for RBC Avion. Why we value RBC Avion Visa Infinite Business this way

Apply now with TD (opens in a new tab)
Apply now with RBC (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
Better: $149$0 in year one
$175$0 in year one
Extra card For a partner or family member
Better: $49 a year
$75 a year
Foreign currency fee On purchases in another currency
2.5%
2.5%
Interest on purchases
Better: 14.99%
19.99%
Interest on cash advances
22.99%
22.99%
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
$3.50, $5.00 fee for cash advances outside of Canada.
Balance transfer fee
3%, Maximum
Not listed
Late payment fee
$0
$0
Source
td.comChecked Nov 8, 2026
rbcroyalbank.comChecked Nov 8, 2026

Small team spending, $6,000 a month. Bigger is better.

Office supplies $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $64 1.25 points per $1 (base rate)
Shipping $2,400 a year
Better: $72 1.5 points per $1
Better: $51 1.25 points per $1 (base rate)
Phone and internet $3,600 a year
Better: $108 1.5 points per $1
Better: $77 1.25 points per $1 (base rate)
Software $4,800 a year
Better: $96 1 point per $1 (base rate)
Better: $102 1.25 points per $1 (base rate)
Online ads $7,200 a year
Better: $144 1 point per $1 (base rate)
Better: $153 1.25 points per $1 (base rate)
Gas $6,000 a year
Better: $120 1 point per $1 (base rate)
Better: $128 1.25 points per $1 (base rate)
Restaurants $4,800 a year
Better: $144 1.5 points per $1
Better: $102 1.25 points per $1 (base rate)
Travel $4,800 a year
Better: $144 1.5 points per $1
Better: $102 1.25 points per $1 (base rate)
Everything else (base rate) $31,800 a year
Better: $636 1 point per $1
Better: $676 1.25 points per $1
Foreign currency $3,600 a year
Better: $72 1 point per $1 (base rate)
Better: $77 1.25 points per $1 (base rate)
Total earned Before fees and the welcome offer
Better: $1,596
Better: $1,530
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $90
Better: $90
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $370
Better: $270
Limits
Flights: Up to $80,000 in spending per year (shared with other categories). Travel: Up to $80,000 in spending per year (shared with other categories). Transit: Up to $80,000 in spending per year (shared with other categories). Restaurants: Up to $80,000 in spending per year (shared with other categories). EV charging: Up to $80,000 in spending per year (shared with other categories)
Everything else (base rate): Up to $75,000 in spending per year. Then 1 point per $1.
Source
td.comChecked Nov 10, 2026
rbcroyalbank.comChecked Nov 8, 2026

Counted at your spending, not the advertised maximum.

What you’d get
Better: $1,200The full offer.
See the 3 parts
  • 10,000 Aeroplan points when you are approved ($200)
  • 30,000 Aeroplan points after you spend $15,000 in the first 6 months ($600)
  • 20,000 Aeroplan points after you spend $25,000 in the first 12 months ($400)
Better: $1,275The full offer.
See the 3 parts
  • 20,000 Avion points when you are approved ($340)
  • 20,000 Avion points after you spend $5,000 in the first 3 months ($340)
  • 35,000 Avion points after you spend $15,000 in the first 6 months ($595)
Advertised
Up to 60,000 Aeroplan points.
Up to 75,000 Avion points.
Source
td.comChecked Nov 8, 2026
rbcroyalbank.comChecked Nov 8, 2026

Car rental damage
Included
Included
Extended warranty
Included
Included
Purchase protection
Included
Included
Travel accident
Included
Included
Travel medical
Up to $2,000,000
Not listed
Trip cancellation
Included
Included
Trip interruption
Included
Included
Flight delay
Included
Included
Baggage delay
Included
Included
Lost baggage
Included
Included
Hotel burglary
Included
Included
Mobile device
Up to $1,000
Up to $2,000
Mobile wallets
Samsung Pay
Apple Pay, Google Pay

Personal income Minimum the bank lists
Better: None listed
$60,000 a year
Household income Or this, instead of personal
Not listed
$100,000 a year
Network
Visa
Visa
Source
Not listed
rbcroyalbank.comChecked Nov 8, 2026

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • TD Aeroplan Visa Business: td.com, checked Nov 8, 2026
  • RBC Avion Visa Infinite Business: rbcroyalbank.com, checked Nov 8, 2026

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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