Card

CIBC Aerogold VISA Card

TD First Class Travel VISA Infinite Card

MBNA Smart Cash Platinum Plus Card

Citi Enrich MasterCard

Annual fee

$120 

 $120 (can be waived with TD Select Service chequing account)

 $0

$0 

Credit limit

 $5,000 minimum

 $5,000 - $500,000

 Depends

Depends 

Interest Rates

 19.5%

 19.99% on Purchases and 21.5% on Cash Advances

Introductory AIR 1.99% 10 months 

19.99%

 19.99% - 22.99%

Min gross annual personal income required

 $35,000

 $60,000

 $35,000

$35,000 

Rewards

1.5 Aeroplan Miles for every dollar

3 TD points per dolloar and 9 TD points at TD Travel Centre

1% - 5% for qualifying purchases

1% Cashback

Travel medical insurance

None

Including 8-or 2-day coverage depending on age

 None

None

Trip cancellation/Trip interruption Insurance

Yes

Yes 

None 

None

Common carrier travel accident insurance

Up to $500,000 

 Up to $500,000 

 Up to $1,000,000 

N/A

Delayed and lost baggage insurance

Yes

Yes 

None 

None 

No-fee travelers cheques

 No

Yes

No 

No

Purchase and extended warranty protection

Yes

Yes 

Yes 

Citi Price Protection 

Emergency cash advances

Yes

Yes 

Yes 

Yes 

24-hour cash and account access

Yes

Yes 

Yes 

Yes 

Cheques

Yes

Yes 

Yes 

Yes 

Auto rental collision/loss damage insurance

Yes

Yes 

None 

None 

Budget rent-a-car preferred rates

Yes

Yes

None 

None