Aeroplan Credit Card Comparison and Offers
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Here is a comparison of Aeroplan credit cards. American Express, CIBC and TD offer a variety of Aeroplan credit card products.
- Application approved as primary cardholder between May 29 and December 31, 2026
- Eligible flight on Air Canada, Air Canada Rouge or Air Canada Express, to any destination
- Eligible fares: Economy (Basic, Standard, Flex), Comfort, Latitude, Premium Economy, Premium Rouge and Business Class
- Aeroplan number linked to your card added to the booking (at the time of booking or check-in)
- The 10,000 points are credited up to 12 weeks after the end of the offer
Please note: bookings on points (or points + cash), the use of Flight Pass credits and product changes are not eligible. A new card application is required. Bonus points do not count towards Elite status (EDQ, SQC or MQV).
Aeroplan Credit cards – Entry-level
Entry-level Aeroplan credit cards are offered by two issuers:
 |  | |
 |  | |
| Name | CIBC Aeroplan® Visa* Card | TD® Aeroplan® Visa Platinum* Credit Card |
| Welcome Offer | 2,500 Aeroplan points on first purchase | 10,000 Aeroplan points on first purchase |
| 2,500 Aeroplan points (see conditions) | + 10,000 additional Aeroplan points (see conditions) | |
| 5,000 Aeroplan points (see conditions) | + First Year Annual fee rebate (see conditions) | |
| Annual Fee | $0 | $89 |
| Additional Card (with privileges) | $0 | $35 |
| Additional Card (without privileges) | – | – |
| Income required (indiv./household) | – | – |
| Earning rate | | |
| Air Canada and Air Canada Vacations | 1 point | 1 point |
| Gas | 1 point | 1 point |
| Grocery | 1 point | 1 point |
| Other | 1 point / $1.50 | 1 point / $1.50 |
| Benefits | ||
| Preferred Pricing | ✓ | ✓ |
| No Expiration of Aeroplan Points | ✓ | ✓ |
| Insurance | | |
| Health care | – | – |
| Flight Cancellation | – | – |
| Trip Interruption Insurance | – | – |
| Flight/trip delay | – | $500 – 4 hours |
| Delayed baggage | – | $1,000/pers. |
| Lost/stolen baggage | – | $1,000/pers. |
| Common carrier accident | $100,000 | $500,000 |
| Hotel/motel burglary | – | $2,500 |
| Auto rental collision/loss damage waiver | $65,000 – 48 days | $65,000 – 48 days |
| Mobile device | – | $1,000 |
| Purchases | 90 days | 90 days |
| Extended Warranty | 1 additional year | 1 additional year |
CIBC Aeroplan® Visa* Card
With the CIBC Aeroplan® Visa* Card, you can earn up to 10,000 Aeroplan points:
- 2,500 points on your first purchase
- 2,500 additional points when you spend $1,500 or more during the period covered by your first 4 monthly statements
- 5,000 points as an anniversary bonus after $10,000 in purchases within 12 months
With the CIBC Aeroplan® Visa* Card, you earn 1 point per dollar on gas, electric vehicle charging, groceries and Air Canada purchases. On all other purchases, you earn 1 point per $1.50 spent.
- Annual fee
- $0
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$200Total$200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $200
- Welcome offerAfter $10,000 in 12 months
- Up to 10,000 points
Apply Now
on CIBC's website
TD® Aeroplan® Visa Platinum* Credit 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 on the first purchase made with your card†
- 10,000 additional Aeroplan points when you spend $1,500 within 90 days of account opening†
- First-year annual fee rebate for the primary cardholder (instead of $89)†.
- To get the first-year annual fee rebate, you must activate your card and make your first purchase on the account within the first 3 months of opening it, and you must add your additional cardholders while the offer is in effect.
With the TD® Aeroplan® Visa Platinum* Card, you earn 1 point per dollar spent on these eligible purchases:
- Groceries
- Eligible gas and electric vehicle charging purchases
- aircanada.com, including Air Canada Vacations
This TD Aeroplan credit card requires no minimum income.
- 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
Apply Now
on TD's website
Credit Cards Aeroplan – Mid-range
Aeroplan mid-range credit cards are the most popular. Here are the names of the credit cards offered by the three issuers:
- American Express® Aeroplan®* Card
- CIBC Aeroplan® Visa Infinite* Card
- TD® Aeroplan® Visa Infinite* Card
 | | | |
 |  |  | |
| Name | American Express® Aeroplan®* Card | CIBC Aeroplan® Visa Infinite* Card | TD® Aeroplan® Visa Infinite* Card |
| Welcome Offer | Up to 30,000 Aeroplan points (see conditions) | 10,000 Aeroplan points on first purchase | 10,000 Aeroplan points on first purchase† |
| + up to 10,000 Aeroplan points (see conditions) | + 10,000 additional Aeroplan points (see conditions) | + 15,000 Aeroplan points (see conditions) | |
| – | + 25,000 additional Aeroplan points (see conditions) | + 20,000 Aeroplan points (see conditions) | |
| – | + First-year annual fee rebate (see conditions) | + First-year annual fee rebate (see conditions) | |
| Annual Fee | $120 | $139 | $139 |
| Additional Card (with privileges) | $50 | $50 | $75 |
| Additional Card (without privileges) | $0 | – | – |
| Income required (indiv./household) | $0 | $60,000 – $100,000 | $60,000 – $100,000 |
| Earning rate | | | |
| Air Canada and Air Canada Vacations | 2 points | 1.5 points | 1.5 points |
| Gas | 1 point | 1.5 points | 1.5 points |
| Grocery | 1 point | 1.5 points | 1.5 points |
| Dining and Food Delivery | 1.5 points | 1 point | 1 point |
| Other | 1 point | 1 point | 1 point |
| Benefits | | | |
| Preferred Pricing | ✓ | ✓ | ✓ |
| No Expiration of Aeroplan Points | ✓ | ✓ | ✓ |
| First Checked Bag Free | ✓ | ✓ | ✓ |
| Shared benefits with additional cards | ✓ | ✓ | ✓ |
| 1,000 SQM and 1 SQC (per $10,000 in annual purchases) | ✓ | ✓ | ✓ |
| $100 Nexus Credit | – | – | ✓ |
| Insurance | | | |
| Health care | – | $5,000,000 Ages 0-64: 15 days Ages 65+: 3 days | $2,000,000 Ages 0-64: 21 days Ages 65+: 4 days |
| Flight Cancellation | – | $1,500 / pers. $5,000 total | $1,500 / pers. $5,000 total |
| Trip Interruption Insurance | – | $2,000/pers. | $5,000 / pers. $25,000 total |
| Flight/trip delay | $500 – 4 hours | $500 – 4 hours | $500 – 4 hours |
| Delayed baggage | $500 / pers. $1,000 total | $1,000/pers. | |
| Lost/stolen baggage | $500 | $500 / pers. $1,000 total | $1,000/pers. |
| Common carrier accident | $500,000 | $500,000 | $500,000 |
| Hotel/motel burglary | $500 | $2,500 | $2,500 |
| Auto rental collision/loss damage waiver | $85,000 – 48 days | $65,000 – 48 days | $65,000 – 48 days |
| Mobile device | – | $1,000 | $1,000 |
| Purchases | 90 days – $1,000 | 90 days | 90 days |
| Extended Warranty | 1 additional year | 1 additional year | 1 additional year |
American Express® Aeroplan®* Card
With this welcome offer for the Aeroplan®* Card from American Express®, 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 10,000 Aeroplan points more when you spend $1,000 in your 13th month.
With this Card, you earn 2x the points on purchases made with Air Canada and Air Canada Vacations.
And 1.5x the points on dining and food delivery in Canada. Everywhere else, you earn 1x the points.
As a cardholder, up to 8 travelling companions can check their first bag free (maximum weight of 23 kg/50 lb) when the trip begins on an Air Canada flight.
As with all American Express Canada Cards, no minimum income is required.
- 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
Apply Now
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”).
CIBC Aeroplan® Visa Infinite* Card
With the CIBC Visa Infinite* Aeroplan®, you can earn up to 50,000 Aeroplan points and a first-year annual fee rebate:
- 10,000 Aeroplan points the first time you make a purchase†.
- 15,000 Aeroplan points when you spend at least $6,000 during the period covered by your first 6 monthly statements†
- 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases charged to your account during the period covered by your first 12 monthly statements†
- First-year annual fee rebate for the primary cardholder (instead of $139)†
- First-year annual fee rebate for up to 3 additional cardholders (instead of $50 per card)†
- Up to 8 travelling companions can check their first bag free (maximum weight of 23 kg/50 lb) when the trip begins on an Air Canada flight†
It’s the best CIBC credit card for occasional Air Canada travellers.
- 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
Apply Now
on CIBC's website
TD® Aeroplan® Visa Infinite* Card
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points† and 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 bonus points when you spend $12,000 within 12 months of account opening†
This card also comes with travel benefits, such as a free first checked bag for you and up to 8 travelling companions on the same booking†, as well as a NEXUS application fee rebate (up to CA$100) every 48 months†.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per dollar spent on these eligible purchases:
- Grocery purchases
- Gas and electric vehicle charging purchases
- Purchases made directly with Air Canada® (including Air Canada Vacations®)
You also earn 1 point† per dollar on all other eligible purchases made with your card.
Featured
- 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
Apply Now
on TD's website
Credit Cards Aeroplan – Premium
Aeroplan premium credit cards are Air Canada’s frequent flyer cards. Here are the names of the credit cards offered by the three issuers:
- American Express® Aeroplan®* Reserve Card
- CIBC® Aeroplan® Visa Infinite Privilege* Card
- TD® Aeroplan® Visa Infinite Privilege* Credit Card
| | | |
 |  |  | |
| Name | American Express® Aeroplan®* Reserve Card | CIBC® Aeroplan® Visa Infinite Privilege* Card | TD® Aeroplan® Visa Infinite Privilege* Credit Card |
| Welcome Offer | 60,000 Aeroplan points (see conditions) | 10,000 Aeroplan points (see conditions) | 20,000 Aeroplan points on first purchase† |
| + 25,000 Aeroplan points (see conditions) | + 40,000 Aeroplan points (see conditions) | + 35,000 Aeroplan points (see conditions) | |
| + 50,000 Aeroplan points (see conditions) | + 30,000 Aeroplan points (see conditions) | ||
| Annual Fee | $599 | $599 | $599 |
| Additional Card (with privileges) | $199 | $149 | $199 |
| Additional Card (without privileges) | $0 | – | – |
| Income required (indiv./household) | $0 | $150,000 – $200,000 | $150,000 – $200,000 |
| Earning rate | | | |
| Air Canada and Air Canada Vacations | 3 points | 2 points | 2 points |
| Gas | 1.25 points | 1.5 points | 1.5 points |
| Grocery | 1.25 points | 1.5 points | 1.5 points |
| Travel | 1.25 points | 1.5 points | 1.5 points |
| Dining and Food Delivery | 2 points | 1.5 points | 1.5 points |
| Other | 1.25 points | 1.25 points | 1.25 points |
| Benefits | | | |
| Preferred Pricing | ✓ | ✓ | ✓ |
| No Expiration of Aeroplan Points | ✓ | ✓ | ✓ |
| First Checked Bag Free | ✓ | ✓ | ✓ |
| Shared benefits with additional cards | ✓ | ✓ | ✓ |
| 1,000 SQM and 1 SQS (per $5,000 in annual purchases) | ✓ | ✓ | ✓ |
| $100 Nexus Credit | – | ✓ | ✓ |
| Travel benefits | | | |
| Maple Leaf Lounge Access | ✓ | ✓ | ✓ |
| 6 Airport Lounge Accesses | – | ✓ | ✓ |
| Airport Priority services | ✓ | ✓ | ✓ |
| Priority Airport Standby | ✓ | ✓ | ✓ |
| Annual companion pass | Yes | Yes | Yes |
| ROLLOVER SQM | ✓ | ✓ | ✓ |
| Deferred eUpgrades Credits | ✓ | ✓ | ✓ |
| Insurance | | | |
| Health care | $5,000,000 Ages 0-65: 15 days | $5,000,000 Ages 0-64: 31 days Ages 65+: 10 days | $5,000,000 Ages 0-64: 31 days Ages 65+: 4 days |
| Flight Cancellation | $1,500 / pers. $3,000 total | $2,500 / pers. $10,000 total | $2,500 / pers. $5,000 total |
| Trip Interruption Insurance | $1,500 / pers. $6,000 total | $5,000 / pers. $25,000 total | $5,000 / pers. $25,000 total |
| Flight/trip delay | $1,000 – 4 hours | $500 – 4 hours | $1,000 – 4 hours |
| Delayed baggage | $500 / pers. $1,000 total | $1,000/pers. | |
| Lost/stolen baggage | $1,000 | $1,000 / pers. $2,500 total | $2,500/pers. |
| Common carrier accident | $500,000 | $500,000 | $500,000 |
| Hotel/motel burglary | $1,000 | $2,500 | $2,500 |
| Auto rental collision/loss damage waiver | $85,000 – 48 days | $85,000 – 48 days | $85,000 – 48 days |
| Mobile device | – | $1,500 | $1,500 |
| Purchases | 90 days – $1,000 | 180 days | 120 days |
| Extended Warranty | 1 additional year | 2 additional years | 2 additional years |
Of the three high-end Aeroplan credit cards, they all offer the same accumulation rates (including 1.25 points for out-of-category purchases). However, CIBC’s fees are different ($149 instead of $199 for the additional TD card). But $50 instead of $100 for the Nexus fee rebate.
As for American Express, the American Express® Aeroplan®* Reserve Card stands out for its high accumulation rate for purchases with Air Canada and Air Canada Vacations: 3 points per dollar. However, it doesn’t offer 6 airport lounge access points, or a discount on Nexus fees.
However, unlike CIBC and TD, which require an individual income of $150,000 or a family income of $200,000, American Express® Aeroplan®* Reserve Card requires no minimum income.
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 25,000 Aeroplan points more when you spend $2,500 in your 13th month
With this Amex Aeroplan Card, you earn 3x the points on purchases made with Air Canada and Air Canada Vacations. And 2x the points on dining and food delivery in Canada. Everywhere else, you earn 1.25x the points.
With this premium Amex Aeroplan Card, you get many Air Canada travel privileges, such as access to Maple Leaf Lounges in North America for you and a guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada travellers.
As a holder of this American Express Aeroplan Card, up to 8 travelling companions can check their first bag free (maximum weight of 23 kg/50 lb) when the trip begins on an Air Canada flight.
As with all American Express Canada Cards, no minimum income is required.
- 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
Apply Now
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 Privilege* Credit Card
With the TD® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points† through a tiered welcome offer.
This card also offers premium travel benefits, including:
- A NEXUS application fee rebate (up to CA$100) every 48 months†
- Unlimited access to Air Canada Maple Leaf Lounges†, with free access for one guest
- 6 free visits per year to select international airport lounges through the Visa Airport Companion Program† presented by DragonPass International Ltd.
- A free first checked bag for you and up to 8 travelling companions on the same booking when the trip begins on an Air Canada flight†
With the TD® Aeroplan® Visa Infinite Privilege* Credit 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
Apply Now
on TD's website
CIBC Aeroplan® Visa Infinite Privilege* Card
With the CIBC Aeroplan® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points†:
- 10,000 Aeroplan points when you spend at least $1,000 during the period covered by your first 2 monthly statements†
- 40,000 Aeroplan points when you spend at least $5,000 during the period covered by your first 4 monthly statements†
- 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in eligible net purchases charged to your account during the period covered by your first 12 monthly statements†
- Access to Air Canada Maple Leaf Lounges†
- 6 annual visits to airport lounges in the Visa Airport Companion Program† presented by DragonPass International Ltd.
- Up to 8 travelling companions can check their first bag free (maximum weight of 23 kg/50 lb) when the trip begins on an Air Canada flight†
It’s the best CIBC credit card for frequent Air Canada travellers.
- 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 $25,000 in 12 months
- Up to 100,000 points
Apply Now
on CIBC's website
Aeroplan credit card comparison for points accumulation
American Express Aeroplan credit cards
CIBC Aeroplan Credit Cards
TD Aeroplan Credit Cards
Benefits
American Express Aeroplan credit cards
CIBC Aeroplan Credit Cards
TD Aeroplan Credit Cards
Conclusion
Our comparative analysis shows that cards with higher annual fees offset this investment with superior Air Canada privileges, including access to Maple Leaf lounges, accelerated elite status and comprehensive travel insurance. For frequent flyers, these benefits can radically transform their flying experience, generating value far beyond the fee.
Don’t forget to re-evaluate your needs periodically, as today’s ideal card may not be tomorrow! Welcome offers are constantly evolving, just like your travel habits. Check Milesopedia regularly and subscribe to our newsletter for the latest program offers Aeroplan.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $599 | |||
| $599 | |||
| $120 | |||
| $599 | |||
| $0 |
Find all current Aeroplan promotions gathered on a single page, updated regularly.
All of these cards also unlock the 15% discount on Air Canada flight rewards.