Scene+ vs Aeroplan: Which program should you choose?

Two of Canada’s most popular loyalty programs go head-to-head here: Scotiabank’s Scene+ and Aeroplan from Air Canada. On one side, Scene+ focuses on simplicity, flexibility, and stable value. On the other, Aeroplan offers much higher value potential for those who know how to optimize their points.

So, which one should you choose? Here is a complete Scene+ vs Aeroplan comparison to help you determine which program best matches your traveller profile. To go further, also see our guide to choosing the best points program for your trip.

Welcome bonuses and co-branded cards

Scene+

The main Scotia cards that earn Scene+ points are the Scotiabank Gold American Express^® Card, the Scotiabank Passport^™ Visa Infinite +* Card, and the Scotiabank Platinum American Express^® Card. Scotiabank is essentially the only issuer of Scene+ cards. As a result, the number of welcome bonuses you can stack in a single year remains limited.

Compare

Scotiabank Passport^® Visa Infinite +* Card

Scotiabank Scene+

Annual fee: $150
Our valuation: $350Milesopedia first-year estimate First-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 35,000 points; Ends Nov 1, 2026

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:

$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport^® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;

$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;

$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;

$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);

$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;

$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after the first year = $1,254 (rounded to $1,250)

The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.

1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.

Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.

Conditions for the annual 10,000 Scene+ points bonus:
As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express^® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.

Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.

Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.

Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.

Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.

Annual fee

Primary card$150

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

Earning rate

2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending

Value

1st Year Value$650

2nd Year Value$397

Card benefits

Concierge service24/7

Airport lounge access$240

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days

Travel medical (55-64)Up to $1,000,000 / 25 days

Travel medical (65+)Up to $1,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

SponsoredCompare

Scotiabank Gold American Express^® Card

Scotiabank Scene+

Annual fee: $120
Our valuation: $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 50,000 points; Ends Nov 1, 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

Grocery stores
Restaurants
Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 additional bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions).
Rates, fees, features and benefits, which are described in the application statement, are subject to change.

Annual fee

Primary card$120

Additional card$29

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

6xWith the partner brand
5xGroceries
5xEntertainment
5xRestaurants
3xStreaming
3xTransit
3xGas & EV
1xAll spending

Value

1st Year Value$1,460

2nd Year Value$461

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days

Travel medical (55-64)Up to $1,000,000 / 25 days

Travel medical (65+)Up to $1,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Compare

Scotiabank^®* Platinum American Express^® Card

Scotiabank Scene+

Annual fee: $399
Our valuation: $1,000Milesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 100,000 points; Ends Nov 1, 2026

Terms of the offer

Earn 30,000 bonus Scotia Rewards points upon first purchase◊
Earn 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
Earn one point on all other eligible everyday purchases
Complimentary membership to Priority Pass Airport Lounges Worldwide
Rates, fees and other information are effective as of July 2, 2020. Subject to change.

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* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express cardholders who make purchases totalling $5,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) who make purchases totalling $10,000 in the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms and conditions: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must charge eligible purchases totalling at least $5,000 within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must charge $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must make at least one (1) eligible purchase on your new Account during the 14th month following the month in which the Account was opened. Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders).
The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

For a limited time, by signing up for the Scotiabank Platinum American Express^® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).

With the Scotiabank Platinum American Express^® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.

Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).

And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.

Annual fee

Primary card$399

Additional card$99

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

2xAll spending

Value

1st Year Value$1,141

2nd Year Value$481

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 31 days

Travel medical (55-64)Up to $2,000,000 / 31 days

Travel medical (65+)Up to $2,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Aeroplan

The Aeroplan ecosystem is much larger. Indeed, TD, CIBC, and American Express all issue cards directly affiliated with Aeroplan, with bonuses ranging from 20,000 to over 100,000 points depending on the card and current offers.

Among the best current Aeroplan offers, you will find the following cards:

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American Express^® Aeroplan^®* Reserve Card

American Express Aeroplan

Annual fee: $599
Our valuation: $1,700Milesopedia first-year estimate First-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 85,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Premium Aeroplan Credit Card in Canada. For a limited time, you can earn up to 150,000 Aeroplan points as a welcome bonus (an estimated $2,550 value). With this Card you can earn:

3 points per dollar on purchases made with Air Canada and Air Canada Vacations
2 points per dollar for dining and food delivery purchases
1.25 points per dollar on all other purchases.

Also, as a Cardmember, you get many benefits such as:

Unlimited access to Air Canada Maple Leaf Lounges in North America
The first checked bag free for you and up to 8 companions
An Annual Worldwide Companion Pass
Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.

Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]

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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

With this welcome offer for American Express^® Aeroplan^®* Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:

Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month

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.

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xAir Canada flights
2xRestaurants
1.25xAll spending

Value

1st Year Value$1,938

2nd Year Value$430

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

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TD^® Aeroplan^® Visa Infinite Privilege* Credit Card

TD Aeroplan

Annual fee: $599
Our valuation: $2,000Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 100,000 points

Terms of the offer

Limited Time Offer! Apply by December 1, 2019 to earn up to 60,000 Aeroplan Miles (equivalent to 2 business class short-haul roundtrip flight rewards)¹ as follows:
- Welcome Bonus of 25,000 Aeroplan Miles when you make your first Purchase with your card¹.
- + Earn 2x miles on your purchases⁴,5 made using your Card for a total of up to 30,000 Aeroplan Miles, for first 3 months¹.
- + Earn 5,000 Aeroplan Miles when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
Earn Aeroplan Miles with every purchase made on your Card and arrive at your dream destination sooner
Enjoy Air Canada^®³ and Visa Infinite Privilege benefits⁴
- Priority Check-in on Air Canada^®³ flights
- Priority Boarding on Air Canada^®³ flights
- First checked bag free on Air Canada^®³ flights
- Four annual One-Time Guest Passes to the Maple Leaf Lounge (when travelling on flight rewards)
- 50% discount on companion tickets for eligible Executive Class or Executive First fare (booking classes J & C) on tickets entirely operated by Air Canada^®³ & Air Canada Express
- Global Airport Lounge Access⁴
- Visa Infinite Privilege* Airport Benefits⁴ at Vancouver, Ottawa and Montreal-Trudeau International airports
An extensive suite of travel insurance
Earn 1.5 miles⁵ for every $1 spent on eligible grocery, gas, drugstore and Air Canada Purchases (excluding Air Canada Vacation packages) made with the Card (capped annually on the first $100,000 across these categories)
Earn 1.25 miles⁶ for every $1 spent on all other purchases made with the Card
Earn miles twice⁷ when you pay with your Card and present your Aeroplan Membership Number at participating partner brands and online retailers via the Aeroplan eStore
Your Aeroplan Miles don’t expire as long as you’re a TD Aeroplan Credit Cardholder

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.

Fees / Rates / Eligibility

Type	Details
Personal annual income	-
Household annual income	$200,000
Purchase APR	19.99%
Cash Advance APR	22.99%
Interest Grace Period	21 days on all new purchases
Balance Transfer Rate	22.99%
Foreign Transaction Rate
Annual Fee	$399
Authorized User Cards	$99
Balance Transfer Fee	Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.
Cash Advance Fee	1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)
Foreign Currency Conversion Fee	2.50%
Over Credit Limit Fee	N/A

Disclaimer

Annual interest rates, fees and features are current as of June 19, 2017 unless otherwise indicated and subject to change. The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program. 1 Must apply by December 1, 2019. Welcome Bonus of 25,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Infinite Privilege* Card Account (“Account”) only after the first Purchase is made on the Account. Welcome Earn Bonus of 2x in Aeroplan Miles ("Welcome Earn Bonus") applies to new Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective miles of 30,000 ("Welcome Earn Bonus Cap") on all purchases charged to your ("Account"). During the Welcome Earn Bonus promotional period, 3 Aeroplan Miles are earned for each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your Account and 2.5 Aeroplan Miles are earned for each $1.00 for all other Purchases charged to your Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Miles earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn Aeroplan Miles at the regular 1.5 Bonus Aeroplan Miles that applies to each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) and 1.25 Aeroplan Mile to each $1.00 to all other eligible Purchases. To receive the additional 5,000 Aeroplan Miles for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 5,000 Authorized User Bonus Aeroplan Miles offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. Other conditions apply. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Welcome Bonus and 2x miles earned through Welcome Earn Bonus are not eligible for Aeroplan status. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. The number of Aeroplan Miles required for the destination is accurate as of September 4, 2019 and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect two short-haul Fixed Mileage Flight Reward^® in Business Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com. 2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User. 3 All Air Canada benefits are fulfilled in whole or in part by Air Canada or its designated affiliates or other third parties, and are subject to change at any time. The Toronto-Dominion Bank and its affiliates are not responsible for fulfilling these benefits. For more details about these benefits, please contact Air Canada directly. Air Canada Benefit Eligibility – Priority Travel Services : With the TD Aeroplan Visa Infinite Privilege Card, Air Canada benefits (the complimentary first checked bag, priority check in and priority boarding) apply whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access priority check-in and priority boarding, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards^® or Market Fare Flight Rewards^®) using miles from their Aeroplan account. To access these benefits, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege* Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag , up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege * Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag, up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. Air Canada Benefit Eligibility – Air Canada Maple Leaf Lounge One-Time Guest Access Benefit : With the TD Aeroplan Visa Infinite Privilege Card, the Primary Cardholder will receive four Air Canada Maple Leaf Lounge^™ One-Time Guest Access Benefits once every calendar year (January 1 - December 31). The Primary Cardholder may access an Air Canada Maple Leaf Lounge^™, where available, upon presentation of an active TD Aeroplan Visa Infinite Privilege Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward, only, on flights operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. To access this benefit, the Primary Cardholder must redeem their Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards^® or Market Fare Flight Rewards^®) with miles from their Aeroplan account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year for which it was provided by the Primary Cardholder only and cannot be carried forward to the next calendar year. As of November 2, 2015, Air Canada Maple Leaf Lounge One-Time Guest Access Benefits associated with the TD Aeroplan Visa Infinite Privilege Card may be used by a traveling companion, pending space availability, provided that the companion is booked on the same reservation as the eligible Primary Cardholder. Only applicable if the companion ticket is also redeemed using miles from the eligible Primary Cardholder’s Aeroplan account. Companion must be accompanied by the eligible Primary Cardholder who is using a One-Time Guest Access Benefit to access the same Air Canada Maple Leaf Lounge. The One-Time Guest Access Benefit may be extended to more than one companion at any given time, pending space availability, provided that the conditions above are met and that this does not exceed the maximum annual allotment of One-Time Guest Access Benefits. Additional conditions may apply and are outlined on aircanada.com/tdbenefits. Air Canada Maple Leaf Lounge access is subject to availability and all other terms and conditions located here that are subject to change at Air Canada’s sole discretion from time to time. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be in effect. Air Canada^® Benefit Eligibility – 50% Discount on Companion Ticket : Upon the purchase from Air Canada of two (2) eligible Business Class (Flexible) fares for the Primary Cardholder and a companion (booking classes J, C, and D only) on tickets entirely operated by Air Canada or under the Air Canada Express banner, the Primary Cardholder will be eligible for a 50% discount on the companion ticket. Flights operated by other airlines, including Air Canada-marketed codeshare flights are not eligible. The 50% discount only applies on the published fare, and will not apply to any additional taxes, fees, charges or surcharges. This offer is available once every calendar year (January 1 – December 31) to each Primary Cardholder. The Primary Cardholder can only access the 50% discount each year when booking online at aircanada.com using that year’s promotional code. All travel must be completed by December 31 of the following year. Offer also applies to select Premium rouge bookings, where booking classes J, C, or D are available, on flights operated by Air Canada rouge to select destinations in Canada, the United States, or the Caribbean. Should you require assistance completing your 50% discount during your online booking, please contact Air Canada at 1-888-247-2262. Offer is non-transferable, and the companion Business Class ticket must be booked on the same reservation as the eligible Business Class (Flexible) booking by the Primary Cardholder. Please note that promotional codes apply to undiscounted published fares. Some of our previously discounted fares, while not eligible for the promotion, may be lower than the final price of the undiscounted fare to which the promotion applies. 4 You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege Card to take advantage of the Visa Infinite Privilege benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/privilege/terms.jsp). The Visa Infinite Privilege privacy policy (available at www.visainfinite.ca/privilege/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies. 5 1.5 Bonus Aeroplan Miles (“Bonus Rate”) are earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Visa Infinite Privilege Card Account (“Account”). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight. Excluded from the Bonus Rate are Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa* network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “drugstore” or “Air Canada” category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements ). 7 The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer. For full details on hotel accommodation and car rental booked with Aeroplan Travel Services, please visit aeroplan.com. All trade-marks are the property of their respective owners. * Trademark of Visa Int., used under license. TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license. ^® Air Canada, Air Canada Express, Air Canada Rouge and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license. ^® Air Canada is a registered trademark of Air Canada, used under license. ^® Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia Canada Inc. Aeroplan^® and the Aeroplan logo are registered trademarks of Aeroplan Inc. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Legal

^†Terms and conditions apply.

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^† with a tiered welcome offer.

This card also offers premium travel benefits, including:

A partial rebate on NEXUS program application fees (up to $100 CAD per eligible cardholder) every 48 months^†
Unlimited access to Air Canada Maple Leaf Lounges^†, with complimentary access for one guest
6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program^† presented by DragonPass International Ltd.
First checked bag free for you and up to 8 travel companions on the same reservation when travel begins with an Air Canada flight^†

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you earn:

Earn 2 points^† for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
1.5 points^† per dollar on eligible purchases of gas, electric vehicle charging, groceries, travel, public transit and dining
1.25 points^† per dollar on all other eligible purchases

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xRestaurants
1.5xGroceries
1.5xTravel
1.5xTransit
1.5xGas & EV
1.25xAll spending

Value

1st Year Value$2,334

2nd Year Value$461

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 4 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 2 years

Auto Rental CollisionUp to $65,000 / 48 days

FeaturedCompare

TD^® Aeroplan^® Visa Infinite* Card

TD Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,139Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 50,000 points; + First Year Annual Fee Rebate

With this offer for the TD^® Aeroplan^® Visa Infinite* Card, you can get up to 50,000 Aeroplan points^† as well as an Annual Fee rebate for the first year^†.

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^†

This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation^†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months^†.

With the TD^® Aeroplan^® Visa Infinite* Card, you earn 1.5 points^† per $1 spent on:

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.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$139

Additional card$75

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xGas & EV
1.5xGroceries
1.5xAir Canada flights
1xAll spending

Value

1st Year Value$1,714

2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $2,000,000 / 21 days

Travel medical (65+)Up to $2,000,000 / 4 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

American Express^® Aeroplan^®* Card

American Express Aeroplan

Annual fee: $120
Our valuation: $900Milesopedia first-year estimate First-year valueWelcome bonus$900Total$900Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$900Total$900Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 45,000 points

Apply Now

on American Express's website

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This Credit Card is one of the Best Aeroplan Credit Cards in Canada. For a limited time, you can earn up to 75,000 Aeroplan Points as a Welcome Bonus (an estimated $1,275 value) With this Card you can earn:

2 points per dollar on Air Canada and Air Canada Vacations purchases
1.5 points per dollar on dining and food delivery purchases
1 point per dollar on all other purchases.

Also, as a Cardmember, you get many benefits such as:

The first checked bag free for you and up to 8 companions
The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $10,000 in purchases charged to your Card.

Finally, you are covered with reliable insurance for your travels and purchases. Like most American Express Credit Cards, there is no minimum income required to apply for this Card.[/vc_column_text][/vc_column][/vc_row]

Legal

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

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 charging $7,500 to your Card within the first 6 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 with Air Canada and Air Canada Vacations.

And 1.5x the points for dining and food delivery services 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.

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xRestaurants
1xAll spending

Value

1st Year Value$1,428

2nd Year Value$379

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

TD^® Aeroplan^® Visa Platinum* Credit Card

TD Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $89No annual fee the first year; No annual fee the first year
Our valuation: $489Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 20,000 points; + First Year Annual Fee Rebate

Terms of the offer

Apply by December 1, 2019 to get an Annual Fee Rebate¹ for the Primary Cardholder for the first year and earn up to 25,000 Aeroplan Miles (equivalent to 1 long-haul roundtrip flight reward)¹ as follows:
- Welcome Bonus of 10,000 Aeroplan Miles when you make your first Purchase with your card¹.
- + Earn 2x Aeroplan Miles on eligible Purchases in the first three months up to a total of 10,000 Aeroplan Miles¹.
- + Earn 5,000 Aeroplan Miles when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Earn Aeroplan Miles with every Purchase made on your Card and arrive at your dream destination sooner
The protection of valuable insurance

Fees / Rates / Eligibility

Type	Details
Personal annual income	N/A
Household annual income	N/A
Purchase APR	19.99%
Cash Advance APR	22.99%
Interest Grace Period	21 days on all new purchases
Balance Transfer Rate	22.99%
Foreign Transaction Rate
Annual Fee	$89
Authorized User Cards	$35
Balance Transfer Fee	Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.
Cash Advance Fee	1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)
Foreign Currency Conversion Fee	2.50%
Over Credit Limit Fee	$29

Disclaimer

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program. 1 Must apply by December 1, 2019. Welcome Bonus of 10,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Platinum* Card Account (“Account”) only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in Aeroplan Miles ("Welcome Earn Bonus") applies to new Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective miles of 10,000 ("Welcome Earn Bonus Cap") on all purchases charged to your ("Account"). During the Welcome Earn Bonus promotional period, 2 Aeroplan Miles are earned for each $1.00 in Purchases of eligible gas, groceries and drugstore charged to your Account and 2 Aeroplan Miles are earned for each $1.50 for all other Purchases charged to your Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Miles earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn Aeroplan Miles at the regular 1 Bonus Aeroplan Miles that applies to each $1.00 in Purchases of eligible gas, groceries and drugstore and 1 Aeroplan Mile to each $1.50 to all other eligible Purchases. To receive the additional 5,000 Aeroplan Miles for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 5,000 Authorized User Bonus Aeroplan Miles offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. Other conditions apply. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Welcome Bonus and 2x miles earned through Welcome Earn Bonus are not eligible for Aeroplan status. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. The number of Aeroplan Miles required for the destination is accurate as of September 4, 2019 and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect one long-haul Fixed Mileage Flight Reward^® in Economy Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com. 2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User. 3 One (1) Bonus Aeroplan Mile (“Bonus Rate”) is earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery” or “drugstore” category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries or drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries and drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 4 One (1) Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at tdcanadatrust.com/td/agreements). 5 This feature is available at over 150 Aeroplan Partner brands and 100 online retailers through Aeroplan’s eStore. The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer. All trade-marks are the property of their respective owners. * Trademark of Visa Int., used under license. ^® Air Canada is a registered trademark of Air Canada, used under license. Aeroplan^® and the Aeroplan logo are registered trademarks of Aeroplan Inc. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

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^†Terms and conditions apply.

With the TD^® Aeroplan^® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and get a Annual Fee rebate for the first year:

10,000 Aeroplan points for the first purchase made with your card^†
10,000 additional Aeroplan points when you spend $1,500 within the first 90 days of opening your account^†
First-year Annual Fee waived for primary cardholder (instead of $89)^†.
To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

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

Grocery stores
Eligible purchases of gas or electric vehicle charging
Air Canada purchases, including Air Canada Vacations

This TD Aeroplan credit card requires no minimum income.

Annual fee

Primary card$89

Additional card$35

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1xGas & EV
1xAir Canada flights
1xGroceries
0.67xAll spending

Value

1st Year Value$877

2nd Year Value$288

Travel insurance

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

American Express^® Aeroplan^®* Business Reserve Card

Business American Express Aeroplan

Annual fee: $599
Our valuation: $1,800Milesopedia first-year estimate First-year valueWelcome bonus$1,800Total$1,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,800Total$1,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 90,000 points

Apply Now

on American Express's website

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Aeroplan Business Credit Card in Canada. For a limited time, you can get, as a welcome bonus:

Up to 100,000 Aeroplan Points (an estimated $1,700 value)
10 Aeroplan points for every $1 in card purchases on eligible Gas, Eats & Drinks for the first six months of Cardmembership

With this Card you can earn:

3 points per dollar on purchases made with Air Canada and Air Canada Vacations
2 points per dollar on hotel and car rental purchases
1 point per dollar on all other purchases.

Also, as a Cardmember, you get many benefits such as:

Unlimited access to Air Canada Maple Leaf Lounges in North America
The first checked bag free for you and up to 8 companions
An Annual Worldwide Companion Pass
Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.

Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]

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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 making $10,500 in purchases in the first three months.
Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from 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.

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.

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

3xAir Canada flights
2xTravel
1.25xAll spending

Value

1st Year Value$2,056

2nd Year Value$426

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

CIBC^® Aeroplan^® Visa Infinite Privilege* Card

CIBC Aeroplan

Annual fee: $599
Our valuation: $2,000Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 100,000 points

Legal

^† Terms and conditions apply. The information for the CIBC^® Aeroplan^® Visa Infinite Privilege* Card has been collected independently by Milesopedia. The card details on this page have not been reviewed or provided by the card issuer.

With the CIBC^® Aeroplan^® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^†:

10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods^†
40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods^†
50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods^†
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.

Annual fee

Primary card$599

Additional card$149

Annual income required

Individual$200,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGroceries
1.5xPharmacy
1.5xGas & EV
1.25xAll spending

Value

1st Year Value$2,262

2nd Year Value$283

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Compare

CIBC Aeroplan^® Visa* Business Card

Business CIBC Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $180No annual fee the first year; No annual fee the first year
Our valuation: $1,680Milesopedia first-year estimate First-year valueWelcome bonus$1,500Annual fee rebated$180Total$1,680Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,500Annual fee rebated$180Total$1,680Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 75,000 points; + First Year Annual Fee Rebate

Earn up to 35,000 Aeroplan^® Miles
- A welcome bonus of 20,000 Aeroplan Miles when you make your first purchase at any time with your card.
- An additional bonus of 15,000 Aeroplan Miles if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application.
1.5 miles for every $1 spent on airlines, hotels, car rental agencies, travel agencies and gas stations
1 mile for every $1 spent on all other purchases

The CIBC Aeroplan^® Visa* Business Card is the go-to business credit card for earning Aeroplan points on your company spending.

Get up to 75,000 Aeroplan points, a value of up to $1,500^†:

10,000 points the first time you make a purchase
25,000 points when you spend at least $7,500 within the first 3 statement periods
25,000 points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods
An additional bonus of 15,000 points when $40,000 or more is charged to the account in the first year

On top of that, you get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each), a benefit valued at $330^†.

What the card gives you after that:

1 Aeroplan point per dollar on eligible purchases
Free first checked bag^†, a benefit valued at $140 for two travellers per round-trip flight
Additional cards for your employees, at $50 each

The annual fee is $180. The annual interest rate is 12.99% on purchases and 14.5% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

Annual fee

Primary card$180

Additional card$50

Annual income required

Individual$35,000

Household$35,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGas & EV
1.5xTransit
1.5xRestaurants
1.5xTelecom
1xAll spending

Value

1st Year Value$2,280

2nd Year Value$355

Travel insurance

Travel MedicalIncluded

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Compare

CIBC Aeroplan^® Visa Infinite* Card

CIBC Aeroplan First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,139Milesopedia 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.; Milesopedia first-year estimateFirst-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.
Welcome offer: Up to 50,000 points; + First Year Annual Fee Rebate

Legal

^† Terms and conditions apply. The information for the CIBC Aeroplan^® Visa Infinite* Card has been collected independently by Milesopedia. The card details on this page have not been reviewed or provided by the card issuer.

With the CIBC Aeroplan^® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a rebate on annual fees for the first year:

10,000 Aeroplan points the first time you make a purchase^†
15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods^†
25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods^†
First-year annual fee waived for primary cardholder (instead of $139)^†
First-year annual fee waived for up to 3 additional cardholders (instead of $50 per 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.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xGas & EV
1.5xPharmacy
1.5xGroceries
1.5xAir Canada flights
1xAll spending

Value

1st Year Value$1,768

2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Additionally, American Express Membership Rewards cards allow you to transfer points to Aeroplan at a 1:1 ratio.

In practical terms, this variety of issuers makes it possible to earn substantial bonuses across multiple cards within the same year. By contrast, the options are much more limited on the Scene+ side.

Everyday earning

Once the welcome bonuses have been earned, you need to think about long-term earning potential. The two programs take very different approaches.

Scene+

Earning via Scene+ credit cards is attractive, especially with the Scotiabank Gold American Express^® Card. It offers 6 points per dollar at Sobeys and IGA grocery stores, 5 points per dollar at other grocery stores, restaurants, and entertainment venues, and 3 points per dollar on gas, transit, and streaming services.

Where Scene+ really shines is in its frequent promotions. For example, offers like 1,000 Scene+ points for every $100 spent at IGA come back regularly. In addition, gift card promotions—typically 750 points for $100 in gift cards purchased at the grocery store—are particularly powerful.

The principle is simple: you earn points when you buy gift cards, then use those cards for expenses you would have made anyway. Sometimes, you can even earn extra points with your credit card. This is what is known as a double or triple dip. As a result, your effective earning rate increases significantly. To learn more, see our guide on how to use your Scene+ points to save on travel.

Aeroplan

On the Aeroplan side, the American Express Cobalt^® Card is the most powerful earning tool for everyday use. With 5 Membership Rewards points per dollar at grocery stores and restaurants, combined with a 1:1 transfer to Aeroplan, you effectively earn 5 Aeroplan points per dollar in everyday categories. Hard to beat.

Redemption flexibility

This is the area where the two programs differ the most. Here, Scene+ has a significant edge in terms of simplicity.

Scene+

With Scene+, the process is straightforward. First, you book your trip as you normally would, through any website or travel agency. Next, you pay with your Scotiabank card. Finally, you apply your Scene+ points to the transaction from your online banking. The program accepts eligible purchases from the past 12 months. In addition, there is no points pricing chart, no fuel surcharges to factor in, and no limited award availability to consider.

A second option is available via Scene+ Travel by Expedia. You can book hotels, cars, and excursions there while earning 3 points per dollar spent, then apply your points to the total.

And what if your travel plans change? Scene+ points can also be used at the same rate for grocery purchases at IGA and Sobeys banners. Indeed, it’s a guarantee of value that few programs can offer.

Aeroplan

Aeroplan offers several ways to redeem points. However, navigating the program takes time and research for beginners, with a real learning curve to overcome. To get started, see our guide Aeroplan for beginners.

For Air Canada flights, pricing is dynamic—meaning it fluctuates based on season and demand. All available seats can be purchased with Aeroplan points, which is an advantage. However, for flights on Star Alliance partners (Lufthansa, United, Singapore Airlines, Etihad, Emirates, and more than 45 others), pricing is fixed based on a zone chart, but award availability is limited. You therefore need to book early, sometimes up to a year in advance.

For Air Canada Vacations all-inclusives, redemption is at a fixed rate: 5,000 points gives $50 off, 100,000 points gives $1,000 off, and so on. In addition, you can apply up to 500,000 points per booking. For details, see our guide on using your Aeroplan points for an all-inclusive.

For hotels, Aeroplan HotelSavers provides access to more than 6,000 properties worldwide. It is also possible to rent a car with Aeroplan points. For detailed planning, read our guide on booking a trip with your Aeroplan points.

Value of a point

Scene+

A Scene+ point is always worth 1 cent, whether it is used for a flight, hotel, car rental, or groceries. This predictability is one of the program’s biggest advantages.

This means you know exactly what your points are worth when you earn them and when you redeem them. This is particularly appealing for travellers who want to avoid complex calculations or unpleasant surprises. To compare with other programs, see our analysis of points value.

Aeroplan

Milesopedia values an Aeroplan point at about 2 cents. That said, the real value varies depending on how you use it. For example, when used for an Air Canada Vacations all-inclusive, an Aeroplan point is worth 1 cent. When used for a very low-cost flight (a deal), it can be worth less than that. On the other hand, when used for an economy flight on a partner with fixed pricing where the cash price is high, the value increases. For a well-optimized business class flight, with a well-structured Aeroplan stopover, the value can exceed 5 cents per point.

By comparison, for Aeroplan car rentals, the redemption value is about 1.1 cents per point. It is not the most optimal use, but it is still above the floor value.

One of the most interesting features of the Aeroplan program is the stopover option, which simply has no equivalent on the Scene+ side. Aeroplan pricing is based on one-way segments between four zones. For just 5,000 additional points, you can add a stopover of more than 24 hours (up to 45 days) to your itinerary. Additionally, several layovers of less than 24 hours can be added for free. In practice, this can result in impressive itineraries.

Scene+ vs Aeroplan comparison table

Criteria	Scene+ (Scotia)	Aeroplan (Air Canada)
Co-branded cards	Scotiabank only	TD, CIBC, Amex (+ Membership Rewards)
Welcome bonuses	Up to 80,000 pts (depending on offers)	Up to 150,000 pts (depending on offers)
Grocery earning	Up to 6X with Scotia Gold Frequent promotions (IGA double/triple dip)	Up to 5X via Amex Cobalt + 1:1 transfer
Redemption flexibility	Very high (all travel, groceries, 12 months)	Good, but more complex to master (zones, availability)
Value per point	Fixed 1 cent	1 to 5+ cents depending on use
Ease of use	Very easy	Learning curve required
All Inclusive	Any agency or tour operator	Air Canada Vacations only
Hotels	Any hotel or Expedia	Aeroplan HotelSavers (6,000+ properties)
Stopover/layover option	Not available	Yes
Maximum value potential	Limited	High (business class, stopovers, partners)
For non-travellers	Groceries at the same rate	Gift cards

Which program should you choose based on your profile?

The honest answer is that the two programs are not aimed at quite the same profile.

Choose Scene+ if…

You prioritize simplicity: predictable, consistent value, without complex calculations.
You want versatility: use your points for groceries as well as travel.
You shop at IGA and Sobeys: regular promotions boost your earning rate.
You book travel anywhere: Scene+ accepts any travel purchase charged to your Scotia card within the past 12 months.

Choose Aeroplan if…

You want to maximize value: get the most out of every point you earn.
You earn quickly: through multiple cards and transfer partners.
You are aiming for business class: tickets that would otherwise be very expensive to pay for in cash.
You like complex itineraries: stopovers, layovers, and destinations on Star Alliance partners.

Combine both if possible

Combining both programs is the most effective strategy. On the one hand, you use Aeroplan-linked cards (notably the Amex Cobalt) for everyday spending. On the other hand, you take advantage of Scene+ promotions at IGA—especially gift card promotions—to earn points without changing your habits. This way, both balances grow in parallel.

When it is time to book, assess whether you are better off paying with Aeroplan points or cash. If you need to pay cash, your Scene+ points will be the heroes. Finally, if you use your Aeroplan points for flights, nothing prevents you from using your Scene+ points for accommodation.

Conclusion

Scene+ and Aeroplan are both solid programs, but they meet different needs. If you are new to the points world and want an accessible program with no surprises, Scene+ is an excellent starting point. However, if you are ready to invest time to learn the rules, maximize your points, and aim for business class or multi-destination itineraries, Aeroplan will offer far greater potential.

The ideal approach? Understand both programs, use each where it excels, and build a strategy that matches your travel pace. To compare all the tools available, see our selection of the best credit cards in Canada.

Scene+ vs Aeroplan – Frequently asked questions

Which program is easiest for a beginner to use?

Scene+ is significantly simpler. You book your trip as usual, pay with your Scotia card, then apply your points to the transaction. There is no pricing chart or limited availability to manage.

How much is a Scene+ point worth?

A Scene+ point is always worth 1 cent, regardless of how it is used: flights, hotels, car rentals, or groceries at IGA and Sobeys. This predictability is one of the program’s key advantages.

How much is an Aeroplan point worth?

Milesopedia values an Aeroplan point at about 2 cents on average. However, the real value varies: 1 cent for an Air Canada Vacations all-inclusive, and more than 5 cents for a well-optimized business class flight with a stopover.

Can you transfer points between Scene+ and Aeroplan?

No, there is no direct transfer between the two programs. However, the American Express Cobalt Card lets you earn Membership Rewards points that can be transferred to Aeroplan at a 1:1 ratio.

Which card should you choose to earn Scene+ points?

The three main options are the Scotiabank Gold American Express^® Card, the Scotiabank Passport^™ Visa Infinite +* Card, and the Scotiabank Platinum American Express^® Card. The Gold Amex stands out for groceries with 6 points per dollar at IGA and Sobeys.

What is the best card for Aeroplan?

It depends on your profile. For everyday earning, the American Express Cobalt Card is unbeatable thanks to the 1:1 transfer. For travel benefits, the TD Aeroplan Visa Infinite Privilege Card and the Aeroplan American Express* Card are excellent choices.

Do Scene+ points expire?

Scene+ points do not expire as long as your account remains active. Minimal activity (earning or redeeming) is required within a given period to keep your balance.

Can you use both programs at the same time?

Absolutely—and it is even the most effective strategy. Use the Amex Cobalt to earn Aeroplan points via Membership Rewards, and take advantage of Scene+ promotions at IGA and Sobeys. You can then use each balance where it offers the best value.