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Mr. Loonie

Comparing 2 cards

TD Aeroplan Visa Infinite vs RBC Avion Visa Infinite

At typical spending, TD Aeroplan Visa Infinite is worth $273 more in year one and $189 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?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

TD

TD® Aeroplan® Visa Infinite Card

Remove TD Aeroplan Visa Infinite

RBC

RBC Avion Visa Infinite

Remove RBC Avion Visa Infinite
What it’s worth to you
Better: $1,896
Year one · The full offer.
Better: Every year after $757

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

Better: $1,623
Year one · All of year one’s offer.
Better: Every year after $568

Points counted at 1.7 cents each, our value for RBC Avion. Why we value RBC Avion Visa Infinite 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
$139$0 in year one
Better: $120$0 in year one
Extra card For a partner or family member
$75 a year
Better: $50 a year
Foreign currency fee On purchases in another currency
2.5%
2.5%
Interest on purchases
21.99%
Better: 20.99%
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
3%, Maximum
Late payment fee
$0
$0
Source
td.comChecked Nov 8, 2026
rbcroyalbank.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $288 1.5 points per $1
Better: $163 1 point per $1 (base rate)
Restaurants $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $51 1 point per $1 (base rate)
Gas $3,000 a year
Better: $90 1.5 points per $1
Better: $51 1 point per $1 (base rate)
Recurring bills $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $51 1 point per $1 (base rate)
Travel $1,800 a year
Better: $36 1 point per $1 (base rate)
Better: $38 1.25 points per $1
Everything else (base rate) $7,800 a year
Better: $156 1 point per $1
Better: $133 1 point per $1
Foreign currency $1,800 a year
Better: $36 1 point per $1 (base rate)
Better: $31 1 point per $1 (base rate)
Total earned Before fees and the welcome offer
Better: $726
Better: $518
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Better: $45
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $215
Better: $215
Limits
Groceries: Up to $80,000 in spending per year (shared with other categories). Gas: Up to $80,000 in spending per year (shared with other categories). Flights: Up to $80,000 in spending per year (shared with other categories)
None listed
Source
td.comChecked Nov 8, 2026
rbcroyalbank.comChecked Nov 8, 2026

Counted at your spending, not the advertised maximum.

What you’d get
Better: $1,000The full offer.
See the 3 parts
  • 10,000 Aeroplan points when you are approved ($200)
  • 15,000 Aeroplan points after you spend $3,000 in the first 3 months ($300)
  • 25,000 Aeroplan points after you spend $12,000 in the first 12 months ($500)
Better: $935All of year one’s offer.
See the 3 parts
  • 35,000 Avion points when you are approved ($595)
  • 20,000 Avion points after you spend $5,000 in the first 6 months ($340)
  • 15,000 Avion points on your first card anniversary ($255) Not reached at this spending.
Advertised
Up to 50,000 Aeroplan points.
Up to 70,000 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
Included
Trip cancellation
Included
Included
Trip interruption
Included
Included
Flight delay
Included
Included
Baggage delay
Included
Not listed
Lost baggage
Included
Not listed
Hotel burglary
Included
Included
Mobile device
Up to $1,000
Included
Mobile wallets
Samsung Pay
Samsung Pay

Personal income Minimum the bank lists
$60,000 a year
$60,000 a year
Household income Or this, instead of personal
$100,000 a year
$100,000 a year
Network
Visa
Visa
Expert Score From critic reviews, shown, not ranked
Expert Score 7.7 out of 10. Good
Expert Score 7.9 out of 10. Good
Source
td.comChecked Nov 8, 2026
rbcroyalbank.comChecked Nov 8, 2026

More comparisons with these cards

Pairs our editors picked. Numbers are year one at typical spending.

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 Infinite: td.com, checked Nov 8, 2026
  • RBC Avion Visa Infinite: 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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