Canadian Travel Credit Card Comparison: Most Popular Cards

This chart was originally posted on Sep 17, 2004 and was last updated on March 6, 2019

This chart is part of Rewards Canada's Guide to Choosing a Travel Rewards Credit Card
and is a comparison of some of the more popular travel rewards credit cards.

15 years after we first launched these charts they get their first renovation! Now with a better left to right look (rather than up and down) and sortable columns! Insurances have been expanded with more detail

We also offer the following comparison charts:

Card	Card Type	Annual Fee	Additional Card Fee	Interest Rate	Foreign Transaction Fee	Minimum Income	Welcome Bonus	Renewal Bonus	Earning	Bonus Features	Miles & Points Deposited to	Travel Agency Redemption Value	Exchange Options	Redemption Centre	Common Carrier Travel Accident Insurance	Flight Delay Insurance	Delayed Baggage Insurance	Lost / Stolen Baggage Insurance	Damaged Baggage Insurance	Trip Cancellation	Trip Interruption	Travel Medical Insurance up to 64 years old	Travel Medical Insurance 65+	Auto Rental Loss Damage	Hotel / Motel Burglary Insurance	Purchase Protection	Price Protection	Extended Warranty	Companion Air Ticket	Business Class Lounge Access	Priority Check In	Notes	Rewards Canada Review	Card
American Express AeroplanPlus Platinum Card	Coalition	$499	$199 ($50 annually for AeroplanPlus®* Gold Cards)	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	40,000 Miles *	0	1.25 Aeroplan Miles per dollar spent up to $25,000 1.5 Aeroplan Miles on all spending above $25,000	N/A	Aeroplan	N/A	N/A	Aeroplan	$500,000	4 hours up to $1,000	6 hours up to $1,000	Yes $1,000	Yes $1,000	Yes $1,500 per person	Yes $1,500 per person	15 Days	No	Up to $85,000	Yes up to $1,000	Yes 90 Days	No	Yes	Yes	Yes	Yes	* after spending $3,000 in the first three months of Cardmembership	No	American Express AeroplanPlus Platinum Card
American Express AeroplanPlus Gold Card	Coalition	$120	$0 for the first two cards then $50 for each additiona;	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	15,000 Miles *	0	1 Aeroplan Mile per dollar spent up to $10,000 1.25 Aeroplan Miles on all spending above $10,000	N/A	Aeroplan	N/A	N/A	Aeroplan	$500,000	4 hours up to $500	6 hours up to $500	Yes $500	Yes $500	No	No	No	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	* after spending $1,500 in the first 3 months of Cardmembership	No	American Express AeroplanPlus Gold Card
*American Express® Air Miles Platinum® Credit Card**	Coalition	$65	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	2,000 Miles	0	1 Mile per $10 at AIR MILES Sponsors and eligible gas, grocery and drugstores 1 Mile per $15 everywhere else	N/A	AIR MILES	N/A	N/A	AIR MILES	$100,000	No	No	No	No	No	No	No	No	Up to $85,000	No	Yes 90 Days	No	Yes	No	No	No	No	Yes read it here	*American Express® Air Miles Platinum® Credit Card**
American Express Cobalt Card	Hybrid	$10 per month	$0	19.99%	2.5%	N/A	30,000 Points*	0	5 Points per dollar on food and drink 2 Points per dollar on travel, transit and gas 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$250,000	4 hours $500 per person	6 hours up to $500	Yes up to $500	Yes up to $500	No	No	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	* earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card.	Yes read it here	American Express Cobalt Card
American Express Gold Rewards Card	Hybrid	$150	$0 for first card $50* each additional card	30% Non Revolving	2.5%	N/A	25,000 Membership Rewards Points	0	2 Points per dollar at grocery stores, gas stations or drug stores and on all Travel purchases 1 Point per dollar on everything else	N/A	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 1.2 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $500 per person	4 hours up to $500	Yes up to $500	Yes up to $500	No	Yes $1,500 per person	15 Days up to 65 years old	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	American Express Gold Rewards Card
BMO AIR MILES Mastercard	Coalition	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	500 Miles	0	2 Mile per $20 at AIR MILES Sponsors 1 Mile per $20 everywhere else	N/A	AIR MILES	N/A	N/A	AIR MILES	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	BMO AIR MILES Mastercard
BMO AIR MILES World Elite Mastercard	Coalition	$0 in first year then $120*	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	3,000 Miles *	0	1 Mile per $10	15% discount on AIR MILES flights in North America	AIR MILES	N/A	N/A	AIR MILES	$500,000	6 hours $500 per person	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,000 per person	15 days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	Yes*	Yes LoungeKey Membership + 2 Free Lounge Visit Passes	No	* Limited Time Offer	Yes read it here	BMO AIR MILES World Elite Mastercard
BMO Rewards Mastercard	Travel Points	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%		20,000 Points *	0	1 Point per dollar spent	1.99% introductory interest rate on Balance Transfers for 9 months* 1% fee applies to balance amounts transferred* 2x BMO Rewards points at participating National Car Rental®#† and Alamo Rent A Car®#† location	BMO Rewards	140 points = $1	N/A	BMO Rewards	No	No	No	No	No	No	No	No	No	No	No	Yes 90 Days	No	Yes	No	No	No	* Limited Time Offer	No	BMO Rewards Mastercard
BMO World Elite Mastercard	Travel Points	$0 in first year then $150*	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 Personal or $150,000 Household	35,000 Points	0	3 Points per dollar on travel, dining, entertainment ^ 2 Points per dollar all other spending	N/A	BMO Rewards	140 points = $1	N/A	BMO Rewards	$500,000	6 hours $500 per person	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,000 per person	21 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes LoungeKey Membership + 4 Free Lounge Visit Passes	No	* Limited Time Offer ^ Up to $50,000 Annually	Yes read it here	BMO World Elite Mastercard
CIBC Aerogold Visa Infinite	Coalition	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	15,000 Miles	0	1.5 miles for every $1 spent on eligible gas, grocery, drugstores and aircanada.com purchases 1 mile for every $1 spent on all other purchases	N/A	Aeroplan	N/A	N/A	Aeroplan	$500,000	4 hours $500 per person	6 hours $500 per person	Yes up to $500	Yes up to $500	Yes $1,000 per person up to $5,000 maxmimum per account	Yes $2,000 per person	15 Days	3 Days	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes Annual Maple Leaf Lounge One Time Guest Pass when travelling on an Aeroplan flight reward operated by Air Canada	Yes but only on Aeroplan Reward tickets	N/A	No	CIBC Aerogold Visa Infinite
CIBC Aventura Visa Infinite Card	Travel Points	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	20,000 Points	0	2 points per dollar on travel purchased through the CIBC Rewards Centre 1.5 points per dollar at gas stations, grocery stores and drugstores 1 point per dollar on all other purchases	$120 travel credit Limited Time Offer NEXUS application credit once every 4 years	CIBC Rewards	up to 4.0% on flights per the Aventura Flight Rewards Chart (e.g. 10,000 to 20,000 pts = short-haul flight worth up to $400) or 100 Points = $1 for other travel	N/A	CIBC Rewards	$500,000	4 hours $500 per person	6 hours $500 per person	Yes up to $500	Yes up to $500	Yes $1,500 per person up to $5,000 maxmimum per account	Yes $2,000 per person	15 Days	3 Days	Up to $65,000 MSRP	Yes Up to $2,500	Yes 90 Days	No	Yes	No	Yes Priority Pass Membership + 4 Free Lounge Visit Passes	No	N/A	No	CIBC Aventura Visa Infinite Card
Desjardins Odyssey World Elite Mastercard	Travel Points	$130	$0	19.9%	2.5%	$80,000 Personal or $150,000 Household	0	0	1.5% of spending up to $20,000 2% of spending over $20,000	20% bonus BONUS DOLLARS in annual spending up to a maximum of 200 BONUS DOLLARS*	BONUS DOLLARS Rewards	1 Bonus Dollar = $1	N/A	Any travel provider	$1,000,000	No	6 hours up to $500	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person	Yes Unlimited coverage	60 days up to age 59 31 days for ages 60-64	15 days for ages 65-75	Up to $85,000	No	Yes 90 Days	No	Yes	No	Yes 8 free passes to the Desjardins Odyssey Lounge at Montréal-Trudeau Airport	No	* Only for residents of Ontario and Quebec - Terms and Conditions apply	No	Desjardins Odyssey World Elite Mastercard
HSBC World Elite Mastercard	Hybrid	$0 in the first year then $149*	$50	19.99% Purchase 22.9% Cash Advance	0	$80,000 personal or $150,000 household or $400,000 in assets at any Canadian Financial Institution	Up to 60,000 Points*	0	6 Points per dollar on travel 3 Points per dollar all other spending	$100 annual travel enhancement credit Unlimited Wi-Fi through Boingo at over 1 million hotspots worldwide	HSBC Rewards	100 points = $0.50	2.5 points = 1 British Airways Executive Club Avios 3 points = 1.35 Singapore Airlines KrisFlyer Miles 3 points = 1.2 Cathay Pacific Asia Miles	Any Travel Provider	$500,000	No	12 hours $200 per person	Yes up to $750	Yes up to $750	Yes $2,000 per person up to $5,000 maxmimum per account	Yes $2,000 per person up to $5,000 maxmimum per account	31 Days	No	Up to $65,000 MSRP	No	Yes 90 Days	No	Yes	No	Yes LoungeKey Membership	No	* Limited time offer when you apply by June 30, 2019	Yes read it here	HSBC World Elite Mastercard
Marriott Bonvoy™ American Express® Card	Hotel	$120	$0	19.99% Purchase 22.99% Cash Advance	2.5%	N/A	60,000 Points	Annual Free Night Award at eligible hotels and resorts worldwide 15 Elite Night Credits each calendar year	5 points for every dollar in eligible Card purchases at participating Marriott Bonvoy® properties 2 points for every $1 in all other Card purchases	Automatic Silver Elite status membership Enjoy an automatic upgrade to Gold Elite status when you reach $30,000 in purchases on the Card each year.	Marriott Bonvoy	N/A	Transfer points to 40 airlines 3,000 Points = 1,000 miles + 5,000 bonus miles when you convert 60,000 points	Marriott Bonvoy	$500,000	4 hours $500 per person	6 hours $500 per person	Yes up to $500	No	No	No	No	No	Up to $85,000	Yes up to $500	Yes 90 Days	No	Yes	No	No	No	N/A	No	Marriott Bonvoy™ American Express® Card
mbna Alaska Airlines World Elite® Mastercard®	Airline	$99	$0	19.99% Purchase 24.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	30,000 Miles *	0	3 Miles per dollar spent on Alaska Airlines purchases 1 Mile per dollar on all other spending	First Checked Bag free on Alaska Airlines flights for up to 6 guests	Alaska Airlines Mileage Plan	N/A	N/A	Alaska Airlines Mileage Plan	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	Yes	Yes	Annual companion fare from from $121 (USD) ($99 plus taxes and fees from $22)	No	No	* when you spend $1,000 within 90 days	Yes read it here	mbna Alaska Airlines World Elite® Mastercard®
MBNA Best Western Rewards Mastercard	Hotel	$0	$0	19.99% Purchase 24.99% Cash Advance	2.5%	N/A	20,000 Points	0	5 points per dollar spent on Best Western Purchases 1 Point per dollar spent everywhere else	Gold Status”upon first use of your credit card and Diamond Status when you spend $10,000 in eligible purchases within one year◊◊	Best Western Rewards	N/A	Transfer points to 17 airlines	Best Western Rewards	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	No	Yes	No	No	No	N/A	No	MBNA Best Western Rewards Mastercard
MBNA Rewards World Elite Mastercard	Travel Points	$120	$0	19.99% Purchase 24.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	5,000 Points	0	2 points for every $1 spent	N/A	MBNA Rewards	1,000 Points = $10	N/A	Any Travel Provider	$1,000,000	No	No	No	No	No	Yes up to $2,000	No	No	Yes	No	Yes 90 Days	Yes	Yes	No	No	No	5,000 bonus points after your first eligible purchase within the first 90 days of account opening and 5,000 bonus points once enrolled for e-statements within the first 90 days of account opening	No	MBNA Rewards World Elite Mastercard
National Bank World Elite Mastercard	Travel Points	$0 in first year then $150*	$0 in first year $50	19.99% Purchase 22.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	0	0	1.5 Points per dollar for spend between 0 & $40,000 2 Points per dollar for spend between $40,001 - $80,000 1.5 Points per dollar for spend between $80,001 & up	Refund of up to $250 per year on seat selection ($50), airport parking ($100) and baggage fees ($100).	À la carte Rewards	11,000 Points = $100 50,000 Points = $500 10,000 Points = $100 over and above the 50,000 point level	N/A	Any Travel Provider or À la carte Rewards	No	4 hours $500	6 hours $500	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person	Yes $5,000 per person	60 days up to 54 years old 31 days for 55-64 years old	15 days to 74 years old	Up to 48 Days Up to $65,000 MSRP	No	Yes 180 Days	No	Yes Triple	No	Yes only to the National Bank Lounge at Montréal-Trudeau Airport	No	* Until Mar 31, 2019	No	National Bank World Elite Mastercard
Platinum Card from American Express	Hybrid	$699	$175 annually for Platinum Cards; $50 annually for Gold cards	30% Non Revolving	2.5%	N/A	50,000 Points	0	1.25 points per dollar	$200 Annual Travel Credit Elite status with Marriott Bonvoy, Radisson Rewards, Hilton Honors, Shangri-La Golden Circle, Hertz & Avis	Membership Rewards	1,000 points = $10	1 Point = 1 Mile with Aeroplan, British Airways 1 Point = .75 Miles with Alitalia, Etihad, Cathay Pacific and Delta 1 Point = 1 Hilton Honors Point 1 Point = 0.4 Marriott Bonvoy Points	Any Travel Provider	$500,000	4 hours $1,000 per person	6 hours $1,000 per person	Yes up to $1,000	Yes up to $1,000	Yes $2,500 per person up to $5,000 maxmimum per account	Yes $2,500 per person up to $6,000 maxmimum per account	15 Days up to 65 years old	No	Up to $85,000	Yes up to $1,000	Yes 120 Days	No	Yes	Yes	Yes Priority Pass (Unlimited access) American Express Lounge Access Program Delta SkyClubs	No	N/A	No	Platinum Card from American Express
RBC British Airways Visa Infinite Card	Airline	$165	$75	20.50% 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	50,000 Avios*	0	2 Avios per dollar spent on British Airwys flights 1 Avios per dollar spent on all other spending	10% off British Airways flights when you book and pay with your card 250 bonus Avios when you rent a car with Avis and pay with your card	British Airways Executive Club	N/A	N/A	British Airways Executive Club	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	No	No	31 Days	7 Days	Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes	Earn a companion voucher when you spend $30,000 CAD annually	No	No	* Step 1: Receive 15,000 Avios as welcome bonus upon approval Step 2: 25,000 bonus Avios when you spend $5,000 CAD in the first two months Step 3: Another 10,000 bonus Avios when you renew your card after your first year	No	RBC British Airways Visa Infinite Card
RBC Visa Infinite Avion	Hybrid	$120	$50	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal or $100,000 Household	15,000 Points	0	1.25 Points per dollar on travel 1 Points per dollar	N/A	RBC Rewards	up to 2.3% on flights as per the Avion Air Travel Redemption Schedule (e.g. 15,000 pts = short-haul flight worth up to $350) or 1,000 Points = $10 for other travel	1 Point = 1 Mile on British Airways or Cathay Pacific 1 Point = 0.7 American AAdvantage Miles 100 Points = 1 WestJet Dollar	RBC Rewards	$500,000	4 hours $250 per person	4 hours $500 per person	$500 per person	No	Yes $1,500 per person up to $5,000 maxmimum per account	Yes $1,500 per person up to $5,000 maxmimum per account	15 Days	3 Days	Up to $65,000 MSRP	Yes up to $2,500	Yes 90 Days	No	Yes	No	No	No	N/A	Yes read it here	RBC Visa Infinite Avion
Scotiabank Gold American Express Card	Travel Points	$99	$29	19.99% Purchase 22.99% Cash Advance	2.5%	$12,000	15,000 Points	0	4 points per dollar spent at eligible gas stations, grocery stores, on dining and entertainment* 1 point per dollar spent everywhere else	N/A	Scotia Rewards	1,000 points = $10	Convert to SCENE Points	Any travel provider or Scotia Rewards	$500,000	4 hours $500 per person	4 hours $1,000 in total	Yes up to $1,000	No	Yes $2,500 per person	Yes $2,500 per person	25 Days	10 Days	Up to $65,000 MSRP	Yes up to $1,000 in Canada and the U.S.	Yes 90 days	Yes 60 days up to $100 per item $500 max per year	Yes	No	No	No	* On the first $50,000 in those categories	Yes Read it here	Scotiabank Gold American Express Card
Scotiabank More Rewards Visa Card	Coalition	$0	$0	19.99% Purchase 22.99% Cash Advance	2.5%	$12,000	15,000 Points	0	6 Points per dollar spent at participating More Rewards locations 4 Points per dollar spent everywhere else	N/A	More Rewards	1,000 points = ~$4.20	N/A	More Rewards	No	No	No	No	No	No	No	No	No	No	No	Yes 90 days	No	Yes	No	No	No	No	Yes Read it here	Scotiabank More Rewards Visa Card
Scotiabank Passport Visa Infinite card	Travel Points	$139	$0 for first card $50 for each additional	19.99% Purchase 22.99% Cash Advance	0%	$60,000 Personal or $100,000 Household	30,000 Points *	0	2 points per eligible dollar spent on grocery, dining, entertainment and daily transit (including buses, subways, taxis, Ubers and more)** 1 point per dollar spent outside of the categories listed above	10,000 points if you spend $40,000 on the card annually	Scotia Rewards	1,000 points = $10	Convert to SCENE Points	Any travel provider or Scotia Rewards	$500,000	4 hours $500 per person	4 hours $1,000 in total	Yes up to $1,000	No	Yes $2,500 per person	Yes $2,500 per person	25 Days	10 days	Up to $65,000 MSRP	Yes up to $1,000 in Canada and the U.S.	Yes 90 days	Yes 60 days up to $100 per item $500 max per year	Yes	No	Yes Free membership in Priority Pass + 6 free lounge visits	No	* Limited time offer after you spend $1,000 in the first 3 months ** On the first $50,000 in those categories	Yes read it here	Scotiabank Passport Visa Infinite card
TD Aeroplan Visa Infinite Card	Coalition	$0 in first year then $120¹	$50²	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal income or $100,000 Combined Household Income	30,000 Miles¹	0	1.5 miles⁴ per dollar on eligible grocery, gas and drugstore Purchases and aircanada.com Purchases 1 mile⁵ for every dollar on all other Purchases made with your Card	One complimentary first checked bag (with Aeroplan Flight Rewards)³	Aeroplan	N/A	N/A	Aeroplan	$500,000¹⁰	4 hours $500 per person¹⁰	6 hours $1,000 per person⁹	Yes up to $1,000⁹	No	Yes $1,500 per person⁸	Yes $5,000 per person⁸	21 days⁷	4 days⁷	Up to $65,000 MSRP¹¹	No	Yes 90 days	No	Yes	No	Yes One annual One-Time Guest Access Benefit3 to an Air Canada Maple Leaf Lounge™ (with an Aeroplan Flight Reward)³	Yes on Aeroplan flight rewards	N/A	Yes Read it here	TD Aeroplan Visa Infinite Card
TD First Class Travel Visa Infinite Card	Travel Points	$0 in first year then $120¹	$50²	19.99% Purchase 22.99% Cash Advance	2.5%	$60,000 Personal income or $100,000 Combined Household Income	80,000 Points¹	0	3 Points per dollar⁷ 9 Points dollar online at ExpediaForTD⁸ 6 Points dollar via the phone at ExpediaForTD⁸	N/A	TD Rewards	200 Points = $1 with Expedia for TD³ 250 Points = $1 for the book anywhere option	N/A	Any Travel Provider or TD Rewards	$500,000	No	6 hours $1,000 per person	Yes up to $1,000	No	Yes $1,500 per person	Yes $5,000 per person	21 days	4 days	Up to $65,000 MSRP	No	Yes 90 days	No	Yes	No	No	No	See terms below in the footnotes	No	TD First Class Travel Visa Infinite Card
WestJet RBC World Elite Mastercard	Airline	$119	$59	19.99% Purchase 21.99% Cash Advance	2.5%	$80,000 personal or $150,000 household	250 Dollars	0	2% on WestJet purchases 1.5% on all other purchases	First Checked Bag free on WestJet flights for cardholder and up to 8 guests	WestJet Rewards	N/A	N/A	WestJet Rewards	$500,000	4 hours $500 per person ($250 per day)	No	No	No	No	Yes $5,000 per person	15 days	3 days	Up to $65,000 MSRP	Yes Up to $2,500	Yes 90 Days	No	Yes	Annual $99 / $299 / $399 Companion Flight	Yes LoungeKey Membership	No	N/A	Yes Read it here	WestJet RBC World Elite Mastercard

Footnotes

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TD Aeroplan Visa Infinite Card

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button.

^{'1 Must apply online by June 2, 2019. Welcome Bonus of 15,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite * Card Account (“Account”) only after the first Purchase is made on the Account. To receive the additional 15,000 Aeroplan Miles, you must make $1,000 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Rebate of the Annual Fee for the first year for the Primary Cardholder will occur when you have applied for an Account by June 2, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status. +The number of Aeroplan Miles required for the destination is accurate as of February 7, 2019 of communication and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect a roundtrip Fixed Mileage Flight Reward® in Economy Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com.

2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User.

3 All Air Canada benefits are fulfilled in whole or in part by Air Canada, or its designated affiliates or other third parties, and are subject to change at any time. The Toronto-Dominion Bank and its affiliates are not responsible for fulfilling these benefits. For more details about these benefits, please contact Air Canada directly. Air Canada Benefit Eligibility – Priority Travel Services: With the TD Aeroplan Visa Infinite Card, Air Canada benefits (the complimentary first checked bag, priority check-in and priority boarding) apply whenever the Primary Cardholder travels using an Aeroplan flight reward, only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access these benefits, the Primary Cardholder must redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) with miles from their Aeroplan account. To access these benefits, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Card to the Air Canada agent. Please allow two weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag, up to 23kg (50 lb), applies whenever the Primary Cardholder travels using an Aeroplan flight reward, only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) with miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite * Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated.

4 1.5 Bonus Aeroplan Miles (“Bonus Rate") are earned on each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your TD Aeroplan Visa Infinite Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore and aircanada.com products and services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the "gas", "grocery" or "drugstore" category and on aircanada.com. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries, drugstore products/services and on aircanada.com made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries or drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of and not in addition to the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer

5 1 Aeroplan Mile is earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa* Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements ).

6 This feature is available at over 150 Aeroplan Partner brands and 100 online retailers through Aeroplan’s eStore. The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older.

8Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or Aeroplan Miles. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

9Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated Aeroplan Miles. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

10Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11Underwritten by TD Home and Auto Insurance Company. Rentals must be charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.}

TD® First Class Travel® Visa Infinite* Card

^{1 Must apply online by June 2, 2019. Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel Visa Account (“Account”) only after the first Purchase is made on the Account. To receive the additional 60,000 TD Points, you must make $1,000 in Purchases on your Account, including your first Purchase, within 90 days of Account opening. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Rebate of the Annual Fee for the first year for the Primary Cardholder will occur when you have applied for an Account by June 2, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.}^{3 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments

4The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com

5Subject to carrier/space availability.

6TD Points do not expire as long as you are a Cardholder.

7TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.

8Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

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* Trademark of Visa International Service Association and used under license.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank. .}