American Express Cobalt Card vs TD Aeroplan Visa Infinite
The short answer: for most people the American Express Cobalt Card is the better overall card — we rate it 4.8/5 and it shines if you want foodies and everyday spenders who want maximum points on dining and groceries. Choose the TD Aeroplan Visa Infinite instead if your priority is air canada flyers who want free checked bags and aeroplan points.
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| Our rating | 4.8 | 4.5 |
|---|---|---|
| Annual fee | $192/yr | $139/yr |
| Welcome bonus | $300 | $1,200 |
| Foreign transaction fee | 2.5% | 2.5% |
| Rewards type | points | miles |
| Top earn rates |
|
|
| Purchase interest | 21.99% | 20.99% |
| Income required | None stated | $60,000 personal |
| Best for | Foodies and everyday spenders who want maximum points on dining and groceries | Air Canada flyers who want free checked bags and Aeroplan points |
| Apply now | Apply now |
American Express Cobalt Card
Our winnerThe Cobalt is the gold standard for food-and-grocery earning in Canada. If you spend heavily at restaurants and supermarkets and value flexible, transferable points, nothing else comes close.
TD Aeroplan Visa Infinite
If you fly Air Canada even a couple of times a year, the free checked bag and Aeroplan earning make this an easy pick. Outside that ecosystem, look elsewhere.
Frequently asked questions
Is the American Express Cobalt Card or the TD Aeroplan Visa Infinite better?
For most Canadians, the American Express Cobalt Card is the better overall pick (we rate it 4.8/5 vs 4.5/5). It's especially strong if you want foodies and everyday spenders who want maximum points on dining and groceries. The TD Aeroplan Visa Infinite can still win if you specifically want air canada flyers who want free checked bags and aeroplan points.
Which card has the lower annual fee?
The TD Aeroplan Visa Infinite has the lower annual fee (a $139 annual fee vs a $192 annual fee).
Do either of these cards charge foreign transaction fees?
American Express Cobalt Card: 2.5% foreign transaction fee. TD Aeroplan Visa Infinite: 2.5% foreign transaction fee.