Aeroplan Credit Card Comparison and Offers

Last updated: March 2, 2026

Here is a comparison of Aeroplan credit cards. American Express, CIBC and TD offer a variety of Aeroplan credit card products.

Aeroplan Credit cards – Entry-level

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

Name	CIBC Aeroplan® Visa* Card	TD® Aeroplan® Visa Platinum* Credit Card
Welcome offer	2,500 Aeroplan points on first purchase	10,000 Aeroplan points on first purchase
2,500 Aeroplan points (see conditions)	+ 10,000 additional Aeroplan points (see conditions)
5,000 Aeroplan points (see conditions)	+ Annual fee rebate for the first year (see conditions)
Annual fee	$0	$89
Additional card (with privileges)	$0	$35
Additional card (without privileges)	–	–
Requested income (indiv./family)	–	–
Earning rate
Air Canada and Air Canada Vacations	1 point	1 point
Gas purchases	1 point	1 point
Grocery	1 point	1 point
Other	1 point / $1.50	1 point / $1.50
Benefits
Preferential rate	✓	✓
No points expiration Aeroplan	✓	✓
Insurance
Medical	–	–
Trip cancellation	–	–
Trip interruption	–	–
Flight/travel delay	–	$500 – 4 hours
Baggage Delay	–	$1,000 / pers.
Loss or theft of baggage	–	$1,000 / pers.
Common carrier accident	$100,000	$500,000
Theft from a hotel or motel	–	$2,500
Collision/rental vehicle damage	$65,000 – 48 days	$65,000 – 48 days
Mobile Devices	–	$1,000
Purchasing	90 days	90 days
Extended warranty	1 additional year	1 additional year

Credit Cards Aeroplan – Mid-range

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

Name	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	TD® Aeroplan® Visa Infinite* Card
Welcome Offer	Up to 30,000 Aeroplan points (see conditions)	10,000 Aeroplan points on first purchase	10,000 Aeroplan points on first purchase†
+ up to 10,000 Aeroplan points (see conditions)	+ 10,000 additional Aeroplan points (see conditions)	+ 15,000 Aeroplan points (see conditions)
–	+ 25,000 additional Aeroplan points (see conditions)	+ 20,000 Aeroplan points (see conditions)
–	+ Annual fee rebate for the first year (see conditions)	+ Annual fee rebate for the first year (see conditions)
Annual fee	$120	$139	$139
Additional card (with privileges)	$50	$50	$75
Additional card (without privileges)	$0	–	–
Requested income (indiv./family)	$0	$60,000 – 100,000	$60 000 – 100,000
Earning rate
Air Canada and Air Canada Vacations	2 points	1.5 points	1.5 points
Gas purchases	1 point	1.5 points	1.5 points
Grocery	1 point	1.5 points	1.5 points
Dining and food delivery	1.5 points	1 point	1 point
Other	1 point	1 point	1 point
Benefits
Preferential rate	✓	✓	✓
No points expiration Aeroplan	✓	✓	✓
Free check-in for your first bag	✓	✓	✓
Shared privileges with additional cardholders	✓	✓	✓
1,000 SQM and 1 SQS (per $10,000 in annual purchases)	✓	✓	✓
Up to $100 rebate on Nexus membership fees	–	–	✓
Insurance
Medical	–	$5,000,0000-64 years: 15 days 65 and +: 3 days	$2,000,000 0-64 years: 21 days 65 years and +: 4 days
Trip cancellation	–	$1,500 / person $5,000 total	$1,500 / pers $5,000 total
Trip interruption	–	$2,000 / person	$5,000 / pers $25,000 total
Flight/travel delay	$500 – 4 hours	$500 – 4 hours	$500 – 4 hours
Baggage Delay	$500 / person $1,000 total	$1,000 / person
Lost or Stolen Baggage	$500	$500 / pers $1,000 total	$1,000 / person
Common carrier accident	$500,000	$500,000	$500,000
Theft from a hotel or motel	$500	$2,500	$2,500
Collision/rental vehicle damage	$85,000 – 48 days	$65,000 – 48 days	$65,000 – 48 days
Mobile Devices	–	$1,000	$1,000
Purchases	90 days – $1,000	90 days	90 days
Extended warranty	1 additional year	1 additional year	1 additional year

Credit Cards Aeroplan – Premium

Aeroplan premium credit cards are Air Canada’s frequent flyer cards. Here are the names of the credit cards offered by the three issuers:

Name	American Express® Aeroplan®* Reserve Card	CIBC® Aeroplan® Visa Infinite Privilege* Card	TD® Aeroplan® Visa Infinite Privilege* Credit Card
Welcome Offer	60,000 Aeroplan points (see conditions)	10,000 Aeroplan points (see conditions)	20,000 Aeroplan points on first purchase†
+ 25,000 Aeroplan points (see conditions)	+ 40,000 Aeroplan points (see conditions)	+ 35,000 Aeroplan points (see conditions)
	+ 50,000 Aeroplan points (see conditions)	+ 30,000 Aeroplan points (see conditions)
Annual fee	$599	$599	$599
Additional card (with privileges)	$199	$149	$199
Additional card (without privileges)	$0	–	–
Requested income (indiv./family)	$0	$150,000 – 200,000	$150,000 – 200,000
Earning rate
Air Canada and Air Canada Vacations	3 points	2 points	2 points
Gas	1.25 point	1.5 points	1.5 points
Grocery	1.25 points	1.5 points	1.5 points
Travel	1.25 points	1.5 points	1.5 points
Meals and food delivery	2 points	1.5 points	1.5 points
Other	1.25 points	1.25 points	1.25 points
Benefits
Preferential rate	✓	✓	✓
No points expiration Aeroplan	✓	✓	✓
Free check-in for your first bag	✓	✓	✓
Shared privileges with additional cardholders	✓	✓	✓
1,000 SQM and 1 SQS (per $5,000 in annual purchases)	✓	✓	✓
Up to $100 rebate on Nexus membership fees	–	✓	✓
Travel benefits
Access to Maple Leaf lounge	✓	✓	✓
6 Accesses to airport lounges	–	✓	✓
Priority services at the airport	✓	✓	✓
Priority queuing at the airport	✓	✓	✓
Annual companion pass	Yes	Yes	Yes
Deferred Status Qualification Miles	✓	✓	✓
Credits eUpgrades deferred	✓	✓	✓
Insurance
Medical	$5,000,0000-65 years: 15 days	$5,000,000 0-64 years: 31 days 65 and +: 10 days	$5,000,000 0-64 years: 31 days 65 years and +: 4 days
Trip cancellation	$1,500 / person $3,000 total	$2,500 / pers $10,000 total	$2,500 / pers $5,000 total
Trip interruption	$1,500 / person $6,000 total	$5,000 / pers $25,000 total	$5,000 / pers $25,000 total
Flight/travel delay	$1,000 – 4 hours	$500 – 4 hours	$1,000 – 4 hours
Baggage Delay	$500 / person $1,000 total	$1,000 / person
Lost or Stolen Baggage	$1,000	$1,000 / pers $2,500 total	$2,500 / person
Common carrier accident	$500,000	$500,000	$500,000
Theft from a hotel or motel	$1,000	$2,500	$2,500
Collision/rental vehicle damage	$85,000 – 48 days	$85,000 – 48 days	$85,000 – 48 days
Mobile Devices	–	$1,500	$1,500
Purchases	90 days – $1,000	180 days	120 days
Extended warranty	1 additional year	2 additional years	2 additional years

Of the three high-end Aeroplan credit cards, they all offer the same accumulation rates (including 1.25 points for out-of-category purchases). However, CIBC’s fees are different ($149 instead of $199 for the additional TD card). But $50 instead of $100 for the Nexus fee rebate.

As for American Express, the American Express^® Aeroplan^®* Reserve Card stands out for its high accumulation rate for purchases with Air Canada and Air Canada Vacations: 3 points per dollar. However, it doesn’t offer 6 airport lounge access points, or a discount on Nexus fees.

However, unlike CIBC and TD, which require an individual income of $150,000 or a family income of $200,000, American Express^® Aeroplan^®* Reserve Card requires no minimum income.

Aeroplan credit card comparison for points accumulation

American Express Aeroplan credit cards

CIBC Aeroplan Credit Cards

TD Aeroplan Credit Cards

Benefits

American Express Aeroplan credit cards

CIBC Aeroplan Credit Cards

TD Aeroplan Credit Cards

Bottom Line

Our comparative analysis shows that cards with higher annual fees offset this investment with superior Air Canada privileges, including access to Maple Leaf lounges, accelerated elite status and comprehensive travel insurance. For frequent flyers, these benefits can radically transform their flying experience, generating value far beyond the fee.

Don’t forget to re-evaluate your needs periodically, as today’s ideal card may not be tomorrow! Welcome offers are constantly evolving, just like your travel habits. Check Milesopedia regularly and subscribe to our newsletter for the latest program offers Aeroplan.