Spark Cash Plus: $2.5K total but the regular Spark wins on yield

The TD Aeroplan Visa Infinite Privilege offers up to 100k points, but requires $24k spend over 12 months and two years of $599 annual fees to unlock the full bonus. At 2 cents per point, that's $2,000 value minus $1,198 in fees, yielding $802 net on $24k spend - about 3.3% back. Meanwhile, the TD Aeroplan Visa Infinite offers up to 50k points with a first-year fee rebate, $12k spend, and only $139 in year-two fees. That yields $861 net on $12k spend, or 7.2% back - more than double the yield of the premium card. The Infinite Privilege's lounge access and status credits have value, but for pure welcome bonus return, the lower-tier card wins.

World of Hyatt is selling points at a 20% discount until October 5, 2026, dropping the effective cost to 2.08 cents per point when you buy at least 7,000 in a single transaction. That's still above the 1.4 cpp valuation, so it's not a blanket buy—run the math against a specific booking. The value case works at both ends: Alila Ventana Big Sur suites that can exceed $2,400 a night, or Spirit Ridge Resort Osoyoos where 15,000 points at $312 covers peak summer nights. The max purchase is 55,000 points per calendar year for $1,144, and points land in your account within 48 hours.