The main difference between the American Express Cobalt and the TD Aeroplan Visa Infinite Card lies in their signup bonus points, rewards structure, fees, and standout benefits. Both cards offer appealing perks, but they have distinct features that cater to different spending habits and travel preferences.
When it comes to rewards, the American Express Cobalt shines with its flexible points system. It rewards cardholders with points on various spending categories like dining, groceries, and travel. These points can be redeemed for a range of options, giving you the freedom to choose rewards that match your lifestyle.
On the other hand, the TD Aeroplan Visa Infinite Card focuses on airline rewards, making it an excellent choice for frequent flyers. It offers Aeroplan Miles on eligible purchases, and these miles can be redeemed for flights, hotel stays, and more within the Aeroplan network. If you're an avid traveler, this card's rewards might align perfectly with your jet-setting aspirations.
Fees are another aspect to consider. While both cards come with annual fees, they may vary. Be sure to review the fee structure of each card to ensure it aligns with your budget and spending habits. Additionally, keep an eye out for any introductory offers or bonuses. These can include bonus points/miles for signing up or meeting spending requirements within a specified time frame.
Standout features set these cards apart as well. The American Express Cobalt offers unique benefits like travel insurance and access to exclusive events. On the other hand, the TD Aeroplan Visa Infinite Card boasts features such as priority check-in and complimentary first-checked bags when flying with Air Canada.
In summary, the American Express Cobalt and the TD Aeroplan Visa Infinite Card share some similarities but offer distinct reward structures, fees, and benefits. Choose the card that aligns with your spending habits, travel preferences, and financial goals to make the most out of your credit card experience
 On website |  |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | A card that allows you to enjoy exclusive travel benefits and also lets you earn Aeroplan points on everyday purchases. |
| Basics | |
| Additional Cardholders | |
| 9 | 3 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | $5,000.00 |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 20000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $6,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible transaction within 180 days from account opening. Earn a Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card. Plus get an anniversary Bonus of 20,000 Aeroplan Points when you spend $10,000 and the Account has been opened for 12 months. Giving you a total of 50,000 points. |
| Rewards | |
| Rewards Program | |
| American Express Rewards | TD Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $139.00 |
| Foreign Exchange Fee Percentage | |
| N/A | 2.5% |
| Late Payment Fee | |
| $38.00 | $40.00 |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | No |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
