Aeroplan: Comparison of Aeroplan Credit Card Offers

Updated Oct 7, 2024
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand

Alexandrine Bertrand

Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
All posts by Alexandrine Bertrand
Cartes de crédit Aéroplan
To the point Here are our comparison charts on Aeroplan credit cards offered by the three issuers in Canada: American Express, CIBC and TD.

Entry Aeroplan Credit Cards

Entry-Level Aeroplan credit cards are offered by two issuers:

cibc new logo td logo
Cibc Visa Platinum Aeroplan New Td Visa Platinum Aeroplan New
Name CIBC Aeroplan® Visa* Card TD® Aeroplan® Visa Platinum* Card
Welcome offer
10,000 Aeroplan points
on first purchase
10,000 Aeroplan Points
on first purchase
+ 10,000 additional 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 Cibc Visa Platinum Aeroplan New Td Visa Platinum Aeroplan New
Air Canada and Air Canada Vacations 1 point 1 point
Gas 1 point 1 point
Groceries 1 point 1 point
Other 1 point / $1.50 1 point / $1.50
Benefits
Preferred pricing
No expiry of Aeroplan points
Insurance Cibc Visa Platinum Aeroplan New Td Visa Platinum Aeroplan New
Medical
Trip cancellation
Trip interruption
Flight/trip delay $500 – 4 hours
Baggage Delay $1,000/pers.
Loss or theft of baggage $1,000/pers.
Common carrier accident $100,000 $500,000
Hotel/Motel burglary $2,500
Collision/rental vehicle damage $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

Here is the welcome offer for this Aeroplan Credit Card:

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.

TD® Aeroplan® Visa Platinum* Card

With the TD® Aeroplan® Visa Platinum* Credit Card, you can earn up to 20,000 Aeroplan points and a first-year annual fee rebate:

  • A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
  • an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening
  • An annual fee rebate for the primary cardholder (instead of $89)

With the TD® Aeroplan® Visa Platinum* Card, you earn 1 point per dollar of eligible purchases for:

  • Grocery stores
  • Gas stations
  • Air Canada purchases, including Air Canada Vacations

There is no minimum income requirement for this TD Aeroplan credit card.

Air Canada B787 9 Rockies

Core Aeroplan Credit Cards

Core Aeroplan credit cards are the most popular cards. Here are the names of the credit cards offered by the three issuers:

amex logo cibc new logo td logo
Amex Aeroplan New Cibc Visa Infinite Aeroplan New Td Visa Infinite Aeroplan New
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
with first purchase
10,000 Aeroplan Points
with your first purchase†
+ up to 20,000 Aeroplan points
(see conditions)
+ 20,000 additional Aeroplan points
(see conditions)
+ 15,000 Aeroplan points
(see conditions)
+ 10,000 additional Aeroplan points
(see conditions)
+ 25,000 additional 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 Amex Aeroplan New Cibc Visa Infinite Aeroplan New Td Visa Infinite Aeroplan New
Air Canada and Air Canada Vacations 2 points 1.5 points 1.5 points
Gas 1 point 1.5 points 1.5 points
Groceries 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 Amex Aeroplan New Cibc Visa Infinite Aeroplan New Td Visa Infinite Aeroplan New
Preferred pricing
Aeroplan points do not expire
Free first checked bag
Shared benefits with additional cardholders
1,000 SQMs and 1 SQS (per $10,000 eligible annual spend)
$100 Nexus Credit
Insurance Amex Aeroplan New Cibc Visa Infinite Aeroplan New Td Visa Infinite Aeroplan New
Medical $5,000,000
0-64 years: 15 days
65 and +: 3 days
$2,000,000
0-64 years: 21 days
65 years and +: 4 days
Trip cancellation $1,500/pers.
$5,000 total
$1,500/pers.
$5,000 total
Trip interruption $2,000/pers.
$5,000/pers.
$25,000 total
Flight/trip delay $500 – 4 hours $500 – 4 hours $500 – 4 hours
Baggage Delay $500/pers.
$1,000 total
$1,000/pers.
Lost or Stolen Baggage $500 $500/pers.
$1,000 total
$1,000/pers.
Common carrier accident $500,000 $500,000 $500,000
Theft from a hotel or motel $500 $2,500 $ $2,500
Collision/rental vehicle damage $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 American Express Card, you can earn up to 40,000 Aeroplan points. Here’s how:

  • Earn 30,000 Aeroplan points after charging $3,000 to your Card in the first 3 months.
  • Plus, earn an additional 10,000 Aeroplan Points when you spend $1,000 in the 13th month.

With this Card, you earn 2X the points on purchases made directly with Air Canada and Air Canada Vacations.

And 1.5x the points on Dining and Food Delivery purchases in Canada. Anywhere else, you will earn 1X the points.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

CIBC Aeroplan® Visa Infinite* Card

Avec la Carte CIBC Visa Infinite* Aéroplanᴹᴰ, vous pouvez obtenir jusqu’à 40 000 points Aéroplan et une remise des frais annuels la première année :

  • 10,000 Aeroplan points when you make your first purchase.
  • 10 000 points Aéroplan si vous dépensez au moins 5 000 $ pendant les périodes couvertes par les quatre premiers relevés mensuels
  • 20 000 points Aéroplan à titre de prime d’anniversaire supplémentaire si vous avez au moins 10 000 $ d’achats nets portés à votre compte pendant la période couverte par les 12 premiers relevés mensuels
  • Plus, get an annual fee rebate for the first year (instead of $139)
  • Annual fee rebate for the first year for up to 3 additional cardholders (instead of $50 per additional card)
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight

It’s the best CIBC credit card for occasional Air Canada travellers.

TD® Aeroplan® Visa Infinite* Card

Thanks to this enhanced welcome offer for the TD® Aeroplan® Visa Infinite* Card, reserved for those who apply via this Milesopedia link, you can earn 10,000 more Aeroplan points than the current public offer!

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:

  • Get 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 $7,500 within 180 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.
  • Join NEXUS and get a rebate on membership fees every 48 months
  • Plus, share free first checked bags with up to 8 travel companions
  • Get an annual fee rebate for the first year. To get the rebate, you must make a purchase within the first three months and add your authorized cardholders before January 6, 2025.

It’s the best TD credit card for occasional Air Canada travellers.

With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points per dollar of eligible purchases for:

  • Grocery stores
  • Gas stations
  • Air Canada purchases, including Air Canada Vacations
Air Canada B777 300er

Premium Aeroplan Credit Cards

Premium Aeroplan credit cards are designed for Air Canada’s frequent flyers. Here are the names of the credit cards offered by the three issuers:

amex logo cibc new logo td logo
Amex Aeroplan Reserve New Cibc Visa Infinite Priviege Aeroplan New Td Visa Infinite Priviege Aeroplan New
Name American Express® Aeroplan®* Reserve Card CIBC® Aeroplan® Visa Infinite Privilege* Card TD® Aeroplan® Visa Infinite Privilege* Credit Card
Welcome offer
Up to 60,000 Aeroplan points
(see conditions)
20,000 Aeroplan Points
on first purchase
20,000 Aeroplan Points
on first purchase†
+ up to 25,000 Aeroplan points
(see conditions)
+ 20,000 Aeroplan points
(see conditions)
+ 30,000 Aeroplan points
points (see conditions)
+ 30,000 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 Amex Aeroplan Reserve New Cibc Visa Infinite Priviege Aeroplan New Td Visa Infinite Priviege Aeroplan New
Air Canada and Air Canada Vacations 3 points 2 points 2 points
Gas 1.25 points 1.5 points 1.5 points
Groceries 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 Amex Aeroplan Reserve New Cibc Visa Infinite Priviege Aeroplan New Td Visa Infinite Priviege Aeroplan New
Preferred pricing
Aeroplan points do not expire
Free first checked bag
Shared benefits with additional cardholders
1,000 SQMs and 1 SQS (per $5,000 eligible annual spend)
$100 Nexus Credit
Travel benefits Amex Aeroplan Reserve New Cibc Visa Infinite Priviege Aeroplan New Td Visa Infinite Priviege Aeroplan New
Access to the Maple Leaf lounge
Six annual airport lounge visits
Airport Priority Services
Priority Airport Standby
Annual companion pass
Status Qualification Miles Rollover
eUpgrades Credits Rollover
Insurance Amex Aeroplan Reserve New Cibc Visa Infinite Priviege Aeroplan New Td Visa Infinite Priviege Aeroplan New
Medical $5,000,000
0-65 years: 15 days
$5,000,000
0-64 years: 31 days
65 and +: 10 days
$5,000,000 $
0-64 years: 31 days
65 years and +: 4 days
Trip cancellation $1,500/pers.
$3,000 total
$2,500/pers.
$10,000 total
$2,500/pers.
$5,000 total
Trip interruption $1,500/pers.
$6,000 total
$5,000/pers.
$25,000 total
$5,000/pers.
$25,000 total
Flight/travel delay $1,000 – 4 hours $500 – 4 hours $1,000 – 4 hours
Baggage Delay $500/pers.
$1,000 total
$1,000/pers.
Lost or 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
Collision/rental vehicle damage $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 premium Aeroplan credit cards, they all offer the same earning rates (1.25 points anywhere). On the other hand, the fees are different for CIBC ($149 instead of $199 for the additional TD card). But $50 instead of $100 for the Nexus credit.

On the American Express side, 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, the six airport lounge visits are missing, as is the Nexus fee rebate.

However, unlike CIBC and TD, which require an individual income of $150,000 or a family income of $200,000, the 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 spending $7,500 in purchases on your Card within the first 3 months
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13

With this Amex Aeroplan Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.

With this Amex Aeroplan Premium Card, you receive many Air Canada travel benefits, such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada flyers.

With this American Express Aeroplan Card, enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 80,000 Aeroplan points:

  • 20,000 Aeroplan points when you make your first purchase with your new card
  • 30,000 additional Aeroplan points when you spend $12,000 within 180 days of account opening
  • Plus, earn a one-time Anniversary Bonus of 30,000 Aeroplan Bonus Points when you spend $24,000 within 12 months of account opening
  • $100 NEXUS fee rebate
  • Access to Air Canada Maple Leaf lounges
  • 6 annual visits to airport lounge members of the Visa Airport Companion Program hosted by Dragonpass International Ltd.
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight

It’s the best TD credit card for Air Canada frequent flyers.

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points per dollar of eligible purchase for:

  • Grocery stores
  • Gas stations
  • Travel
  • Restaurants

And 2 points per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points per dollar.

Air Canada 787 Dreamliner

CIBC® Aeroplan® Visa Infinite Privilege* Card

With the CIBC® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 60,000 Aeroplan points:

  • 20,000 Aeroplan points when you make your first purchase
  • 30,000 Aeroplan points if you spend at least $7,000 during the periods covered by the first 4 monthly statements
  • 10,000 Aeroplan points as an additional bonus if you have at least $15,000 in eligible net purchases charged to your account during the period covered by the first 12 monthly statements
  • Access to Air Canada Maple Leaf lounges
  • 6 annual visits to airport lounge members of the Visa Airport Companion Program hosted by Dragonpass International Ltd.
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight

It’s the best CIBC credit card for Air Canada frequent flyers.

Earning Points

American Express Aeroplan credit cards

Accumulation Amex Fr

CIBC Aeroplan Credit cards

Accumulation Cibc Fr

TD Aeroplan credit cards

Accumulation Td Fr

Benefits

American Express Aeroplan credit cards

Benefits Amex Fr

CIBC Aeroplan Credit cards

Cibc Benefits Fr

TD Aeroplan credit cards

Benefits Td Fr

Bottom Line

Subscribe to our newsletter so you don’t miss our next posts in which we will compare each credit card in every aspect:

  • Earning
  • Benefits
  • Insurance
  • Fees
  • And more!

All this to help you choose the right Aeroplan credit card for you!

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine

Jean-Maximilien Voisine

Jean-Maximilien Voisine
Jean-Maximilien, President and Founder of Milesopedia, is a recognized expert in rewards programs, credit cards, and travel in Canada and France. Approaching forty and a father of two, he has travelled to over 100 countries, half of them with his children and his wife, Audrey. Specializing in top loyalty programs like Aeroplan, American Express Membership Rewards, and Marriott Bonvoy, he guides travellers to maximize their benefits across North America and Europe.
All posts by Jean-Maximilien Voisine

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