For most travellers, we recommend the TD® Aeroplan® Visa Infinite* Card: up to 50,000 Aeroplan points and a first-year annual fee rebate, subject to the offer's conditions. If you spend more, the TD® Aeroplan® Visa Infinite Privilege* Card offers up to 100,000 points and the American Express® Aeroplan®* Reserve Card, up to 85,000 points.
Three issuers offer Aeroplan credit cards in Canada: TD, CIBC and American Express. With most of them, you get your first checked bag free on Air Canada flights and preferred pricing on Air Canada flight rewards; premium cards add Maple Leaf Lounge access. We compare six Aeroplan cards here to help you choose based on your spending and your travel.
Welcome offers change often. To catch the ones ending soon, check the latest credit card offers.
Here is a table summarizing the Aeroplan credit card offers as presented by American Express and TD. For more details, read on or click on the name of a card.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $599 | |||
| $599 | |||
| $0 | |||
| $599 | |||
| $120 |
What Is the Best Aeroplan Card?
It depends on your spending and how often you fly Air Canada. For most travellers, we recommend the TD® Aeroplan® Visa Infinite* Card: its $139 annual fee is rebated in the first year under the current offer, and you get the free checked bag from your first flight. If you can spend $24,000 in your first year, the TD® Aeroplan® Visa Infinite Privilege* Card gives you the highest bonus, up to 100,000 points. And if you often buy your tickets from Air Canada, the American Express® Aeroplan®* Reserve Card earns you 3 times the points on those purchases.
American Express® Aeroplan®* Reserve Card
With this welcome offer for the American Express® Aeroplan®* Reserve Card, you can earn up to 85,000 Aeroplan points. Here's how:
- Earn 60,000 Aeroplan points after you charge $7,500 to your Card in your first 3 months of Cardmembership
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in month 13
With this card, you earn 3 times the points on purchases made directly with Air Canada and Air Canada Vacations, and 2 times the points on dining and food delivery in Canada and at participating Hyatt properties. Everywhere else, you earn 1.25 times the points.
You also get Air Canada privileges: access to Maple Leaf Lounges and Air Canada Cafés in North America for you and a guest, plus priority check-in, boarding and baggage handling. You can also enrol in Priority Pass at no charge. We consider it one of the best Aeroplan cards if you fly Air Canada often.
You and up to 8 companions on the same booking check your first bag free (up to 23 kg/50 lb) on flights operated by Air Canada.
Annual fee: $599, rising to $799 on January 12, 2027. As with all American Express cards in Canada, there is no minimum income requirement.
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Plus $500 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,200
- Welcome offerAfter $7,500 in 3 months
- Up to 85,000 points
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
TD® Aeroplan® Visa Infinite* Card
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points plus a first-year annual fee rebate:
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
- Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of account opening
- Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of account opening
- First-year rebate of the $139 annual fee, if you activate the card and make a first purchase within 3 months of account opening
You also get travel benefits: your first checked bag free for you and up to 8 travel companions on the same booking, and a rebate on the NEXUS application fee (up to $100 CAD) every 48 months.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points per dollar on eligible purchases for:
- Groceries
- Gas and electric vehicle charging
- Purchases made directly with Air Canada® (including Air Canada Vacations)
- Stays at participating Hyatt properties
You earn 1 point per dollar on all other eligible purchases. Annual fee: $139. Income requirement: $60,000 personal or $100,000 household.
- Annual feeNo annual fee the first year
- $0 $139
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,139
- Welcome offerAfter $12,000 in 12 months
- Up to 50,000 points
on TD's website
TD® Aeroplan® Visa Infinite Privilege* Card
With the TD® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points. Here's how:
- Earn a welcome bonus of 20,000 Aeroplan points with your first purchase
- Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of account opening
- Plus, earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of account opening
For a $599 annual fee (income requirement: $150,000 personal or $200,000 household), you get premium travel benefits:
- Access to Maple Leaf Lounges and Air Canada Cafés in Canada and the United States, with a complimentary guest until December 31, 2026
- 6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program
- Your first checked bag free for you and up to 8 travel companions on the same booking
- Priority check-in, boarding and baggage handling
- An annual round-trip companion pass from $99 (taxes, fees and surcharges extra) when you spend $25,000 in the 12 months before your renewal
- A rebate on the NEXUS application fee (up to $100 CAD) every 48 months
With this card, you earn:
- 2 points per dollar on eligible purchases made directly with Air Canada® (including Air Canada Vacations)
- 1.5 points per dollar on eligible gas, electric vehicle charging, grocery, travel, public transit and dining purchases
- 1.25 points per dollar on all other eligible purchases
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $2,000
- Welcome offerAfter $24,000 in 12 months
- Up to 100,000 points
on TD's website
TD® Aeroplan® Visa Platinum* Card
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and a first-year annual fee rebate:
- 10,000 Aeroplan points for your first purchase with your card
- An additional 10,000 Aeroplan points when you spend $1,500 within 90 days of account opening
- First-year rebate of the $89 annual fee for the primary cardholder, if you activate the card and make a first purchase within 3 months of account opening
With this card, you earn 1 point per dollar on eligible purchases for:
- Groceries
- Gas and electric vehicle charging
- Purchases made directly with Air Canada, including Air Canada Vacations
This rate applies up to $80,000 in annual purchases in these categories; your other purchases earn 1 point per $1.50. It's an affordable way into the Aeroplan program.
- Annual feeNo annual fee the first year
- $0 $89
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Annual fee rebated$89Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $489
- Welcome offerAfter $1,500 in 3 months
- Up to 20,000 points
on TD's website
American Express® Aeroplan®* Card
With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 45,000 Aeroplan points. Here's how:
- Earn 35,000 Aeroplan points after you charge $7,500 to your Card in your first 6 months
- Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in month 13
With this card, you earn 2 times the points on purchases made directly with Air Canada and Air Canada Vacations.
You also earn 1.5 times the points on dining and food delivery in Canada and at participating Hyatt properties. Everywhere else, you earn 1 point per dollar.
You and up to 8 companions on the same booking check your first bag free (up to 23 kg/50 lb) on flights operated by Air Canada.
Annual fee: $120, rising to $150 on January 12, 2027. As with all American Express cards in Canada, there is no minimum income requirement.
- Annual fee
- $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Plus $200 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $700
- Welcome offerAfter $7,500 in 6 months
- Up to 45,000 points
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
American Express® Aeroplan®* Business Reserve Card
With this welcome offer for the American Express® Aeroplan®* Business Reserve Card, you can earn up to 90,000 Aeroplan points:
- Earn 65,000 Aeroplan points after you charge $10,500 in purchases in your first 3 months
- Earn an additional 25,000 Aeroplan points when you spend $3,500 in month 13
With this card, you earn 3 times the points on purchases made directly with Air Canada and Air Canada Vacations, 2.5 times the points at participating Hyatt properties and 2 times the points on eligible accommodation and car rental purchases in Canada. Everywhere else, you earn 1.25 times the points.
You also get Air Canada privileges: access to Maple Leaf Lounges and Air Canada Cafés in North America for you and a guest, priority check-in, boarding and baggage handling, and complimentary Priority Pass enrolment.
You and up to 8 companions on the same booking check your first bag free (up to 23 kg/50 lb) on flights operated by Air Canada.
Annual fee: $599, rising to $799 on January 12, 2027. As with all American Express cards in Canada, there is no minimum income requirement.
- Annual fee
- $599
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,300Total$1,300Plus $500 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,300
- Welcome offerAfter $10,500 in 3 months
- Up to 90,000 points
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
How to Choose the Best Aeroplan Card for You?
Based on your Travel Profile
- Occasional traveller (1 or 2 trips a year): TD® Aeroplan® Visa Platinum* Card or CIBC Aeroplan® Visa* Card, with no annual fee
- Regular traveller (3 to 6 trips a year): TD® Aeroplan® Visa Infinite* Card
- Frequent traveller (more than 6 trips a year): TD® Aeroplan® Visa Infinite Privilege* Card or American Express® Aeroplan®* Reserve Card
- Business owner: American Express® Aeroplan®* Business Reserve Card
Based on your Annual Spending
- Under $20,000 a year: a card with no annual fee or with the fee rebated in the first year
- $20,000 to $50,000 a year: a mid-tier card, such as the TD Aeroplan Visa Infinite or the American Express Aeroplan Card
- Over $50,000 a year: a premium card, such as the TD Aeroplan Visa Infinite Privilege or the American Express Aeroplan Reserve Card
Before you book an Air Canada flight, compare what each program would earn you in points and status: our Travel Smarter review shows you how this calculator does the work for you.
Frequently Asked Questions
Here are the questions that come up most often in the Milesopedia community about Aeroplan credit cards.
What are the benefits of an Aeroplan credit card?
You earn Aeroplan points on every purchase, up to 3 points per dollar on Air Canada purchases with the American Express Reserve cards. You also get preferred pricing on Air Canada flight rewards and, with most cards, your first checked bag free. Premium cards add Maple Leaf Lounge access and priority airport services.
What is the best Aeroplan credit card to start with?
We recommend the TD® Aeroplan® Visa Infinite* Card: the current offer rebates the $139 annual fee in the first year, and you get your first checked bag free from your first flight. If you prefer a card with no annual fee, the CIBC Aeroplan® Visa* Card lets you earn Aeroplan points with no fixed cost.
How many Aeroplan points can I get as a welcome offer?
The welcome offer varies by card, always subject to the required spending:
- TD Aeroplan Visa Platinum: up to 20,000 points
- American Express Aeroplan Card: up to 45,000 points
- TD Aeroplan Visa Infinite: up to 50,000 points
- American Express Aeroplan Reserve Card: up to 85,000 points
- American Express Aeroplan Business Reserve Card: up to 90,000 points
- TD Aeroplan Visa Infinite Privilege: up to 100,000 points
The largest bonuses require significant spending: you need $24,000 in purchases within 12 months to earn the full 100,000 points on the TD Aeroplan Visa Infinite Privilege.
Who are the Aeroplan credit card issuers in Canada?
In Canada, there are three main Aeroplan credit card issuers:
- American Express Canada: personal and business cards, with 3 times the points on Air Canada purchases on the Reserve cards
- CIBC: a lineup that includes a no-annual-fee card
- TD: a full lineup, from the Visa Platinum to the Visa Infinite Privilege
Each issuer offers specific benefits, and you can hold cards from different issuers simultaneously.
How to get free baggage with an Aeroplan card?
With an Aeroplan card that includes this benefit, you and up to 8 companions on the same booking check your first bag free (23 kg/50 lb), on these conditions:
- Your Aeroplan number, the one linked to your card, is included in the booking
- The flight is operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand
- You check in with Air Canada and drop off the bag at the check-in counter
You can pay for the ticket with any payment method. If your Aeroplan Elite Status or your fare already includes a free bag, the card does not add a second one. Air Canada sets out these conditions on its Aeroplan credit cards page.
Can I hold multiple Aeroplan credit cards simultaneously?
Yes. You can hold several Aeroplan cards at the same time, from TD, CIBC and American Express. For example:
- Personal and business: a personal Aeroplan card and a business Aeroplan card
- Two issuers: a TD Aeroplan card and an American Express Aeroplan card, to earn in each one's bonus categories
Keep in mind that benefits like the free first checked bag do not stack from one card to another. Each issuer also sets its own welcome offer eligibility rules: at American Express, for example, current or former holders of the same card are generally not eligible.
How to transfer points to Aeroplan from other programs?
You can transfer points to Aeroplan from several programs:
- American Express Membership Rewards: 1,000 points = 1,000 Aeroplan points
- Marriott Bonvoy: 3 Marriott Bonvoy points = 1 Aeroplan point, plus a 5,000 Aeroplan point bonus for every 60,000 points transferred
Transferring from American Express Membership Rewards, at a 1:1 ratio, is the simplest way to top up your Aeroplan balance before redeeming points. Note that a transfer is final: the points cannot go back to your American Express account.