{"id":262666,"date":"2026-03-02T05:30:00","date_gmt":"2026-03-02T10:30:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=262666"},"modified":"2026-05-09T08:34:20","modified_gmt":"2026-05-09T08:34:20","slug":"comparison-cobalt-american-express-visa-infinite-td-aeroplan","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-cobalt-american-express-visa-infinite-td-aeroplan\/","title":{"rendered":"Comparison: American Express Cobalt Card vs TD Visa Infinite Card Aeroplan"},"content":{"rendered":"\n<p>American Express Canada and TD Bank each offer credit cards that earn points directly or indirectly Aeroplan:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\" target=\"_blank\" rel=\"noopener\"><sup>TD<sup>&reg;<\/sup><\/sup> Visa Infinite* Card Aeroplan<sup>MD<\/sup><\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>These are two basic cards that we often recommend, when a person wants to get points easily.<\/p>\n\n\n\n<p>So, we\u2019ll break down the key differences between these credit cards based on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are differences to be aware of between the two credit cards.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>When you subscribe to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 15,000 points<\/strong><strong>:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>1,250 points per month for the first 12 months (monthly expenses of $750 or more)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you can get up to <strong><span class=\"nowrap\">45,000<\/span> Aeroplan points<\/strong>, with no annual fee for the first year.<\/p>\n\n\n\n<p>Here&#8217;s how:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>10,000 Aeroplan<\/strong><strong> points<\/strong> after first purchase<\/li>\n\n\n\n<li><strong>15,000 Aeroplan points<\/strong>, if you spend $3,000 within 90 days of account opening<\/li>\n\n\n\n<li><strong>20,000 Aeroplan points<\/strong> when you spend $12,000 within 12 months of account opening<\/li>\n<\/ul><\/div>\n\n\n\n<p>Based on our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/points-miles-value-canada\/\">valuation<\/a> of Aeroplan points (2 cents per point), <strong>this welcome bonus is worth approximately <span class=\"nowrap\">$900<\/span><\/strong>.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-td-visa-infinite-card-aeroplan\">Advantage: TD Visa Infinite Card Aeroplan<\/h5>\n\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you can earn up to 25,000 Aeroplan points after 3 months when you spend $3,000.<\/p>\n\n\n\n<p>To obtain the full welcome bonus from the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>welcome bonus, you need to spend <span class=\"nowrap\">$9,000<\/span> in the first year<span class=\"nowrap\">($750<\/span> per month x 12 months to earn 15,000 points).<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>American Express Cobalt<sup>&reg;<\/sup> Card requires no minimum income.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires a minimum personal income of $60,000 or $100,000 in annual household income.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income, unlike the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>For residents outside Quebec, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">Cobalt<sup>MD<\/sup> American Express Card<\/a> has monthly fees of $15.99 (for a total of $191.88 annually). For residents in Quebec, they are $191.88, charged annually.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> has an annual fee of $139. What&#8217;s more, the current promotion fully refunds these costs in the first year. So you&#8217;re way ahead of the competition!<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-td-visa-infinite-card-aeroplan\">Advantage: TD Visa Infinite Card Aeroplan<\/h5>\n\n\n\n<p>The annual fee for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> are lower (especially in the first year) than the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> each offer different levels of point accumulation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-accumulation-levels\">Accumulation Levels<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can earn <strong>5 points<\/strong> per dollar in purchases for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Food delivery<\/li>\n\n\n\n<li>restaurants, bars<\/li>\n\n\n\n<li>Convenience stores<\/li>\n<\/ul><\/div>\n\n\n\n<p><strong>3 points per dollar<\/strong> of purchases for <a href=\"http:\/\/americanexpress.ca\/diffusion-en-continu\" target=\"_blank\" rel=\"noopener\">streaming<\/a> services (Apple TV+, Apple Music, Crave, Disney+, Netflix, RDS, TSN, etc)<\/p>\n\n\n\n<p><strong>2 points per dollar of purchases in&nbsp;:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>local transport<\/li>\n\n\n\n<li>Gas stations<\/li>\n<\/ul><\/div>\n\n\n\n<p><strong>1 point per dollar<\/strong> for the rest.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card <\/a>the maximum points earned is <strong>1.5 points<\/strong> per dollar for purchases&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Grocery purchases<\/li>\n\n\n\n<li>Gas purchases<\/li>\n\n\n\n<li>And with Air Canada and Air Canada Vacations<\/li>\n<\/ul><\/div>\n\n\n\n<p><strong>1 point<\/strong> per dollar on all other purchases.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-american-express-cobalt-card\">American Express Cobalt<sup>&reg;<\/sup> Card<\/h5>\n\n\n\n<p>It&#8217;s easy: the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> surpasses most other credit cards with its 5 points per dollar earned at the grocery store.<\/p>\n\n\n\n<p>Don&#8217;t forget the possibility of buying gift cards in Couche-Tard convenience stores with it: you earn <strong>5 points per dollar<\/strong>, even for Walmart, Amazon, Sports Experts, Canadian Tire <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/5-points-stores\/\">gift cards<\/a>, etc.!<\/p>\n\n\n\n<p>Even for travel and gas purchases, it is the best with <strong>2 points per dollar<\/strong>.<\/p>\n\n\n\n<p>These <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> can be transferred 1:1 to Aeroplan points.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130325\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>Both cards are part of different loyalty programs:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/aeroplan\/\" target=\"_blank\" rel=\"noopener\">Points Aeroplan<\/a> for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Thus, the ways of using the points are different.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-travel\">For Travel<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can apply Membership Rewards points to travel purchases charged to the card.<\/p>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p><strong>A minimum of 1,000 points<\/strong> (minimum $10) is required, thereafter in increments of 1 cent per point.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a>it&#8217;s different. Every month, the Aeroplan points accumulated through purchases are automatically credited to the cardholder&#8217;s Aeroplan account.<\/p>\n\n\n\n<p>According to Aeroplan program rules, Aeroplan points cannot be transferred to other rewards programs. They remain in the Aeroplan account.<\/p>\n\n\n\n<p>Then, to use your points Aeroplan, book your flight on the Air Canada website.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>Thanks to the great flexibility of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and Membership Rewards points, they can be used in a variety of ways. Points can be used for travel purchased on the card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Flights<\/li>\n\n\n\n<li>Rental Cars<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">Hotel<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb rental<\/a><\/li>\n\n\n\n<li>Etc<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"194291,138018\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-everyday-shopping\">For Everyday Shopping<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can apply Membership Rewards points to everyday purchases charged to the card.<\/p>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p><strong>A minimum of 1,000 points<\/strong> (minimum $10) must be applied.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card <\/a>you can&#8217;t use your Aeroplan points to pay for everyday purchases.<\/p>\n\n\n\n<p>A backdoor way would be to use Aeroplan points to buy <a href=\"https:\/\/aeroplan.rewardops.com\/fr-CA\/a-propos-de-la-categorie\/CAT_APM_000010?\" target=\"_blank\" rel=\"noopener\">gift cards (Costco, Petro-Canada, The Bay, Walmart) on Aeroplan eStore<\/a>. However, for someone who wants to maximize their points, this is not an ideal choice.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> &#8216;s flexible Membership Rewards points are simply the best use of both cards.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfers-to-other-programs\">Transfers to Other Programs<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can use its points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">to save on flights via the American Express fixed price schedule<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">for points transfers to partners<\/a>: Aeroplan British Airways Executive Club, Air France KLM Flying Blue, Delta SkyMiles, Etihad Guest, Asia Miles, Marriott Bonvoy and Hilton Honors<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card, <\/a>Aeroplan points remain in the Aeroplan program. Therefore, they cannot be transferred.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-other-benefits\">Other Benefits<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2019\/06\/american_express_cobalt_card.png\" alt=\"Head-to-Head: American Express Cobalt Card vs. National Bank World Elite Mastercard - American Express Cobalt<sup>&reg;<\/sup> Card\" class=\"wp-image-482004\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can also enjoy:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Various <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">promotional offers<\/a> (which can offset the monthly fee)<\/li>\n\n\n\n<li>Access to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/book-best-concerts-shows-credit-cards\/#avant-premi_remd_d_american_express_\" target=\"_blank\" rel=\"noopener\">exclusive presale Front Of The Line<sup>&reg;<\/sup> tickets to concerts<\/a> and plays through American Express<sup>&reg;<\/sup> Experiences<\/li>\n\n\n\n<li>From Amazon&#8217;s Shop With Points program<\/li>\n\n\n\n<li>Hotel reservations at The Hotel Collection with specific perks<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png\" alt=\"Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard - td-visa Infinite aeroplan new\" class=\"wp-image-98658\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card <\/a>you&#8217;ll enjoy the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Free first checked bag free for you and up to 8 people travelling on the same reservation<\/li>\n\n\n\n<li>Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases<\/li>\n\n\n\n<li>$100 statement credit every 4 years for NEXUS membership or renewal fees<\/li>\n\n\n\n<li>Access to <a href=\"https:\/\/www.visainfinite.ca\/infinite\/en\/indice.html\" target=\"_blank\" rel=\"noopener\">Visa Infinite Privilege<\/a> (concierge, luxury hotel collection, vineyard tours, additional travel privileges)<\/li>\n\n\n\n<li>Optional TD Auto Club membership (roadside assistance)<\/li>\n\n\n\n<li>Various promotions with Aeroplan <a href=\"\/?p=182227\" target=\"_blank\" rel=\"noopener\">(Aeroplan points back<\/a>, <a href=\"\/?p=163626\" target=\"_blank\" rel=\"noopener\">discounts on flights<\/a>, <a href=\"\/?p=158918\" target=\"_blank\" rel=\"noopener\">credits or points Aeroplan<\/a> to the account, <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/td-starbucks-etoile-points\/\" target=\"_blank\" rel=\"noopener\">link your account with Starbucks<\/a>)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-td-aeroplan-visa-infinite-card\">Advantage: TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/h5>\n\n\n\n<p>With its wide range of travel benefits, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> is unbeatable in this aspect. For a person travelling with Air Canada, the benefits are saving and making the annual fee more cost-effective each year.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Insurance<\/td><td><img class=\"wp-image-162053 aligncenter\" title=\"Business Platinum Card<sup>&reg;<\/sup> from American Express\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-450x285.png\" alt=\"cobalt card\" width=\"186\" height=\"118\"><\/td><td><img decoding=\"async\" class=\"wp-image-98657 aligncenter\" title=\"TD Aeroplan Visa Infinite Privilege Card\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-450x283.png\" alt=\"Td Visa Infinite Aeroplan New\" width=\"190\" height=\"120\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-450x283.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-1024x644.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new-768x483.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/08\/td-visa-infinite-aeroplan-new.png 1140w\" sizes=\"(max-width: 190px) 100vw, 190px\" \/><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td>Travel cancellation insurance<\/td><td>None<\/td><td>Up to<strong> $1,500<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Trip interruption insurance<\/td><td>No<\/td><td>Up to <strong>$5,000<\/strong><\/td><\/tr><tr style=\"height: 48px;\"><td>Out-of-province\/country emergency medical coverage<\/td><td>Up to <strong>$5,000,000<\/strong> for <strong>15 days<\/strong><\/td><td>Up to <strong>$2,000,000<\/strong> for <strong>21 days<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>Up to $500\nafter 4 hours<\/td><br><td>Up to $500<br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage Delay Insurance<\/td><td>Up to $500<br>after 6 hours<\/td><td>Up to <strong>$1,000<\/strong><br>after 6 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage loss or theft insurance<\/td><td>up to $500<\/td><td>up to<strong> $1,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel burglary insurance<\/td><td>up to $500<\/td><td>up to <strong>$2,500 <\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Rental car theft and damage insurance<\/td><td>up to <strong>$85,000<\/strong><\/td><td>up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Travel accident insurance<\/td><td>250&nbsp;000&nbsp;$<\/td><td>500&nbsp;000&nbsp;$<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Protection<\/td><td>1 additional year<\/td><td>1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Guarantee<\/td><td>Up to $1,000<br>90 days<\/td><td>Up to $1,000<br>90 days<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-td-aeroplan-visa-infinite-card\">Advantage: TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/h5>\n\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card <\/a>you benefit from additional or more generous coverage than with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>What&#8217;s more, it requires 75% of travel purchases to be charged to the card, whereas the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/cobalt-card-best-card-canada\/\" target=\"_blank\" rel=\"noopener\">American Express Cobalt<sup>MD<\/sup> Card<\/a> requires the entire trip to have been charged to it.<\/p>\n\n\n\n<p>If you want a credit card that covers your travel, even when a tiny fraction of it has been charged to it, I advise you in this article: <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">The Best Credit Cards for Travel Insurance with Rewards Points<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Who is the winning card?<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> is the perfect way to do whatever you want with your points without breaking the bank! In addition, it stands out with:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>His best and fastest point accumulation on grocery store purchases<\/li>\n\n\n\n<li>Its lack of a minimum income requirement<\/li>\n\n\n\n<li>Its use of points on anything you want<\/li>\n\n\n\n<li>The possibility of transferring points to several other loyalty programs<\/li>\n<\/ul><\/div>\n\n\n\n<p>While the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to its<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Welcome offer with points Aeroplan<\/li>\n\n\n\n<li>No annual fee for the first year<\/li>\n\n\n\n<li>Comprehensive travel insurance<\/li>\n\n\n\n<li>The first <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/aeroplan-credit-card-free-checked-bag\/\" target=\"_blank\" rel=\"noopener\">free bag<\/a> and those of 8 other travellers on the same reservation<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086,108140\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-cobalt-vs-td-aeroplan-visa-infinite\">Frequently Asked Questions about the American Express Cobalt Card and the TD Visa Infinite Aeroplan Card<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_has_the_better_welcome_offer_amex_cobalt_or_td_aeroplan_visa_infinite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich has the better welcome offer: Amex Cobalt or TD Aeroplan Visa Infinite?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a target=\"_blank\" href=\"\/?p=49\" type=\"card\" id=\"49\">TD Aeroplan Visa Infinite Card<\/a> currently offers a more generous welcome bonus of up to 45,000 Aeroplan points (worth approximately $900 in travel) plus a first-year annual fee waiver. The <a target=\"_blank\" href=\"\/?p=22571\" type=\"card\" id=\"22571\">American Express Cobalt Card<\/a> offers up to 15,000 Membership Rewards points (1,250 per month for 12 months when spending $750\/month). For pure welcome bonus value in year one combined with no annual fee, the TD Aeroplan Visa Infinite Card wins by a wide margin and is hard to beat for new applicants.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_everyday_groceries_and_dining_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for everyday groceries and dining?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a target=\"_blank\" href=\"\/?p=22571\" type=\"card\" id=\"22571\">American Express Cobalt Card<\/a> dominates on everyday spending with 5 points per $1 on groceries, food delivery, restaurants, bars and convenience stores, plus 2 points per $1 on gas and transit. The <a target=\"_blank\" href=\"\/?p=49\" type=\"card\" id=\"49\">TD Aeroplan Visa Infinite<\/a> earns just 1.5 points per $1 on groceries, gas and Air Canada \u2014 a fraction of Cobalt&#8217;s earn rate. For households spending $1,500+\/month on groceries, restaurants and food delivery combined, the Cobalt is the clear everyday winner thanks to its 5x earn rate on those categories.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_has_lower_annual_fees_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has lower annual fees?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a target=\"_blank\" href=\"\/?p=49\" type=\"card\" id=\"49\">TD Aeroplan Visa Infinite Card<\/a> has a $139 annual fee, fully waived in the first year, while the <a target=\"_blank\" href=\"\/?p=22571\" type=\"card\" id=\"22571\">American Express Cobalt Card<\/a> charges $191.88 per year ($15.99 per month). TD wins on cost, especially in year one where the fee is zero. However, Cobalt&#8217;s higher earn rate on groceries and dining can easily offset the $50+ annual fee difference in year two and beyond for households with significant restaurant or grocery spending of $1,000+ per month.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_air_canada_travel_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for Air Canada travel?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a target=\"_blank\" href=\"\/?p=49\" type=\"card\" id=\"49\">TD Aeroplan Visa Infinite Card<\/a> is purpose-built for Air Canada travellers, with a free first checked bag for the cardholder and up to 8 companions on the same reservation, Visa Infinite travel insurance, and direct Aeroplan earning. The <a target=\"_blank\" href=\"\/?p=22571\" type=\"card\" id=\"22571\">American Express Cobalt<\/a> earns Membership Rewards points that transfer to Aeroplan at 1:1, offering more flexibility but lacking the bag waiver and lounge perks. For Air Canada loyalists who consistently fly on Star Alliance carriers, the TD Aeroplan Visa Infinite wins thanks to its dedicated airline benefits and bag waiver.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of the American Express Cobalt\u00ae Card and the TD Visa Infinite Card Aeroplan.<\/p>","protected":false},"author":3,"featured_media":349072,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-262666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-td-en","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":100492,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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