Amex Cobalt Card vs TD Aeroplan Visa Infinite
Two cards, one Standard Score rubric. The Amex Cobalt Card scores higher overall at 7.7/10 — but the right pick depends on which components match your spending.
The verdict
ExcellentA flexible earner against a single-airline specialist. The Cobalt's 5x on food converts to Aeroplan at a strong ratio and out-earns the TD card on nearly every purchase, but it's an Amex — no free checked bag, no guaranteed Air Canada acceptance at the gate. Big food spenders who fly Air Canada occasionally should feed the Cobalt and transfer in; frequent AC flyers who check bags should hold the TD card for its baggage perk regardless of what else is in their wallet.
See offer · current Amex Cobalt Card offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Amex Cobalt Card | TD Aeroplan Visa Infinite | |
|---|---|---|
| Standard Score | 7.7/10 · Excellent | 6.9/10 · Strong |
| Annual fee | $191.88 ($15.99 charged monthly (increased from $12.99/mo effective November 5, 2025)) | $139 (Rebated in the first year (current offer)) |
| Welcome bonus | Up to 15,000 MR points (1,250/month for 12 months of qualifying spend) | Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 15,000 anniversary on $12K/12 mo), plus a first-year fee rebate |
| Est. bonus value | ≈ $285 | ≈ $760 |
| First-year net value | ≈ $699 | ≈ $515 |
| Earn rates |
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| Points currency | Amex Membership Rewards | Aeroplan |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Amex Cobalt Card wins
- First-year value — scores 7.0/10 on this component
- Ongoing value — scores 8.5/10 on this component
- Flexibility — scores 9.0/10 on this component
- Strategic fit — scores 8.5/10 on this component
Where the TD Aeroplan Visa Infinite wins
- Perk usability — scores 8.5/10 on this component
- Low friction — scores 8.5/10 on this component
Read the full reviews: Amex Cobalt Card and TD Aeroplan Visa Infinite, or see how both rank in Best Credit Cards for Groceries and Dining in Canada.