2026 Head-to-Head Audit • Canada Market

RBC Avion Visa Infinite
vs
TD Aeroplan Visa Infinite

Q: Should I choose RBC Avion Visa Infinite or TD Aeroplan Visa Infinite?

Choose RBC Avion Visa Infinite if you prioritize Flexible airfare redemptions across any airline worldwide. Choose TD Aeroplan Visa Infinite if you prioritize Unmatched value for Air Canada and Star Alliance travelers.

Q: What is the biggest catch with RBC Avion Visa Infinite vs TD Aeroplan Visa Infinite?

For RBC Avion Visa Infinite, the main trade-off is: 2.5% foreign transaction fee on overseas transactions. For TD Aeroplan Visa Infinite, watch out for: Foreign transaction fee of 2.5%.

Skip the marketing fluff. Below is the side-by-side breakdown of fees, yield/rewards math, fine-print restrictions, and the exact household profile each product is built for.

Choose RBC Avion Visa Infinite If...

Canada’s flagship flexible travel card with fixed redemption charts and no blackout dates.

Flexible airfare redemptions across any airline worldwide
Strong insurance package including auto rental loss and mobile protection

Primary Catch: 2.5% foreign transaction fee on overseas transactions

Choose TD Aeroplan Visa Infinite If...

The premier credit card for Air Canada frequent flyers and Star Alliance redemptions.

Unmatched value for Air Canada and Star Alliance travelers
Checked bag benefit alone saves $140+ roundtrip per couple

Primary Catch: Foreign transaction fee of 2.5%

Metric / Feature	RBC Avion Visa Infinite Royal Bank of Canada (RBC) ★ 4.8 / 5.0	TD Aeroplan Visa Infinite TD Canada Trust ★ 4.9 / 5.0
Verified 2026 Financials & Terms
Annual / Platform Fee	$120 CAD	$139 CAD (Frequently Rebated 1st Year)
Regular APR / Rates	20.99% Purchases / 22.99% Cash	20.99% Purchases / 22.99% Cash
Welcome Bonus / Match	Up to 35,000 Avion Points	Up to 50,000 Aeroplan Points
Foreign Transaction Fee	2.5%	2.5%
Credit / Eligibility	$60,000 Personal Income (Good to Excellent)	$60,000 Personal / $100,000 Household
Core Features & Ecosystem Perks
Included Benefits	Flexible Fixed-Point Travel Air Redemption Grid 1:1 Point Transfer to British Airways & WestJet Comprehensive Mobile Device Insurance Up to $1,500 Emergency Medical Travel Insurance Included Save 3¢/L at Petro-Canada	Free 1st Checked Bag on Air Canada (Up to 8 Companions) Preferred Aeroplan Flight Reward Pricing 1.5x Points on Groceries, Gas & Air Canada Bookings NEXUS Application Fee Rebate Every 48 Months Annual Fee Rebate with TD All-Inclusive Banking Plan
Editorial Pros & Cons
Where It Wins (Pros)	Flexible airfare redemptions across any airline worldwide Strong insurance package including auto rental loss and mobile protection Frequent 30% point conversion bonus promos to British Airways Avios Instant points access in the RBC mobile banking app	Unmatched value for Air Canada and Star Alliance travelers Checked bag benefit alone saves $140+ roundtrip per couple Generous welcome bonus points redeemable for aspirational flights Annual fee can be waived with a qualifying TD checking account
Fine-Print Drawbacks (Cons)	2.5% foreign transaction fee on overseas transactions Strict minimum personal income requirement of $60,000 CAD Base earn rate is 1 point per $1 on general spending	Foreign transaction fee of 2.5% Maximum value requires booking flights through the Aeroplan ecosystem $60,000 personal income threshold

Fee & Foreign Spend Cost Audit

Annual Holding Cost & Overseas Trip Impact

Annual Fee Comparison

RBC Avion Visa Infinite: $120 CAD vs TD Aeroplan Visa Infinite: $139 CAD (Frequently Rebated 1st Year)

Always subtract the annual fee from your projected annual rewards before evaluating headline multipliers.

$3,000 International Vacation FX Surcharge

RBC Avion Visa Infinite: $75 fee (2.5%) • TD Aeroplan Visa Infinite: $75 fee (2.5%)

A 3% foreign transaction fee wipes out 3% in rewards on every international hotel, restaurant, or flight billed in foreign currency.

In-Depth Breakdown: RBC Avion Visa Infinite vs TD Aeroplan Visa Infinite

1. How RBC Avion Visa Infinite Works

The RBC Avion Visa Infinite is one of Canada’s most widely held premium travel credit cards. Cardholders earn Avion points that can be redeemed for any airline on any flight without blackout dates or seat restrictions. Points can also be transferred 1:1 to British Airways Avios, Cathay Pacific Asia Miles, and WestJet Dollars.

2. How TD Aeroplan Visa Infinite Works

Co-branded with Air Canada, the TD Aeroplan Visa Infinite is the gold standard for Canadian travelers. Cardholders receive a free first checked bag on Air Canada flights for themselves and up to 8 companions, preferred Aeroplan reward pricing, comprehensive travel insurance, and NEXUS fee rebates.

Frequently Asked Questions

Should I choose RBC Avion Visa Infinite or TD Aeroplan Visa Infinite?

Choose RBC Avion Visa Infinite if you prioritize Flexible airfare redemptions across any airline worldwide. Choose TD Aeroplan Visa Infinite if you want Unmatched value for Air Canada and Star Alliance travelers.

What is the biggest catch with RBC Avion Visa Infinite vs TD Aeroplan Visa Infinite?

With RBC Avion Visa Infinite, the main limitation to keep in mind is: 2.5% foreign transaction fee on overseas transactions. With TD Aeroplan Visa Infinite, the primary trade-off is: Foreign transaction fee of 2.5%.