Let’s Discuss: TD (Toronto Dominion) ® Aeroplan® Visa* Infinite Privilege* Card Vs. CIBC Aventura® Visa Infinite Privilege* Card Vs. KOHO Premium Reloadable Prepaid Mastercard  

In this article, we will compare three major credit cards in Canada-  

• TD® Aeroplan® Visa* Infinite Privilege* Card   
• CIBC Aventura® Visa Infinite Privilege* Card   
• KOHO Premium Reloadable Prepaid Mastercard  

TD® Aeroplan® Visa* Infinite Privilege* Card  

Eligibility-  

• The minimum income requirement on this card is $150,000 annually, and you will need a credit score of 660+. 

•  Your household income needs to be $200,00 annually, along with permanent Canadian residency.  

Annual fees-  

• The annual fee on this card is $599.  

Balance on Interest-   

• The Purchase interest rate is19.99%, the Cash advance interest rate is 22.99%. 
• The Balance transfer interest rate is 22.99% on this card.  

Cashback and Rewards-

• You can earn a welcome bonus of105,000 bonus points ($2,100 value).  
• You can earn 2x points on travel (including flights, hotels, taxis, and public transit) 
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel, dining purchases,  
• 1.25x points on other purchases as well.  

Eligibility	The minimum income requirement on this card is $150,000 annually.  A credit score of 660+.  A household income of $200,00 annually with Canadian residency.
Annual fees	$599
Interest charged on Balances-	The Purchase interest rate is 19.99%   The Cash advance interest rate is 22.99%    The Balance transfer interest rate is 22.99%
Cashbacks and Rewards	A welcome bonus of105,000 bonus points ($2,100 value)  2x points on travel (including flights, hotels, taxis, and public transit  Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel, and dining purchases.  1.25x points on other purchases.

CIBC Aventura® Visa Infinite Privilege* Card  

Eligibility-  

• You need to have a minimum income of $60,000 annually and a household income of $100,000 yearly.  
• Your credit score should be 725+, and you must be a permanent resident of Canada.  

Annual Fees-  

• The annual fee on this card is $139.  

Interest charged on Balances-  

• The Purchase interest rate on this card is 20.99%  
• The Cash advance interest rate is 22.99%  
• The Balance transfer interest rate is 22.99% on this card.  

Cashback and Rewards-

• You will earn a welcome bonus of 35,000 bonus points ($406 value)  
• You will earn 2x points on travel purchased through the CIBC Rewards Centre, 1.5x points on eligible gas, groceries, drug & pharmacy, and 1x points on other purchases. 

Eligibility-	A minimum income of $60,000 annually.  A household income of $100,000 annually.  Your credit score should be 725+.  Permanent resident of Canada.
Annual Fees	$139.
Interest charged on Balances-	The Purchase interest rate is 20.99%   The Cash advance interest rate is 22.99%    The Balance transfer interest rate is 22.99%
Cashback and Rewards	Welcome bonus of 35,000 bonus points ($406 value)   Earn 2x points on travel purchased through the CIBC Rewards Centre.   1.5x points on eligible gas, groceries, drug & pharmacy.   1x points on other purchases.

KOHO Premium Reloadable Prepaid Mastercard 

Eligibility- 

• You will not need any minimum individual or household income requirement.  
• You need just a credit score as low as 300 and with permanent Canadian residency.  

Annual Fees-  

• The annual fee on this card is $84.  

Interest charged on Balance-  

• The Purchase interest rate, the Cash advance interest rate. 
• The Balance transfer interest rate is zero for this card.  

Cashback and Rewards-  

• You can earn 2x points on groceries, restaurants (including fast food & drinks), daily transit 
• 0.5x points on all other purchases. 

Eligibility	No minimum income or household income.
Annual Fees	$84
Interest on Balance	The Purchase interest rate, the Cash advance interest rate and the Balance transfer interest rate are zero for this card.
Cashback and Rewards	Earn 2x points on groceries, restaurants (including fast food & drinks), daily transit, and 0.5x points on all other purchases.

Now let us compare all the three cards- 

	TD® Aeroplan® Visa* Infinite Privilege* Card	CIBC Aventura® Visa Infinite Privilege* Card	KOHO Premium Reloadable Prepaid Mastercard
Additional benefits	2x points on travel (including flights, hotels, taxis, and public transit  Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel, and dining purchases.  1.25x points on other purchases	Earn 2x points on travel purchased through the CIBC Rewards Centre.  1.5x points on eligible gas, groceries, drug & pharmacy.  1x points on other purchases	Earn 2x points on groceries, restaurants (including fast food & drinks), daily transit,  0.5x points on all other purchases.
Welcome Offer	a welcome bonus of105,000 bonus points ($2,100 value)	welcome bonus of 35,000 bonus points ($406 value)	–
Minimum income requirement	minimum income requirement on this card is $150,000 annually.	minimum income of $60,000 annually	–
Condition of Canadian Resident	Yes	Yes	Yes

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