Comparing the New Aeroplan Credit Card Offers

Entry Aeroplan Credit Cards

Name	CIBC Aeroplan® Visa* Card	TD® Aeroplan® Visa Platinum* Card
Welcome offer	10,000 Aeroplan points on first purchase	10,000 Aeroplan points on first purchase
		+ 10,000 additional Aeroplan points (see conditions)
		+ First Year Annual fee rebate (see conditions)
Annual fee	$0	$89
Additional Card (with privileges)	$0	$35
Additional Card (without privileges)	–	–
Income required (indiv./household)	–	–
Earning rate
Air Canada and Air Canada Vacations	1 point	1 point
Gas	1 point	1 point
Grocery	1 point	1 point
Other	1 point / $1.50	1 point / $1.50
Benefits
Preferred pricing	✓	✓
No expiry of Aeroplan points	✓	✓
Insurance
Health care	–	–
Trip Cancellation Insurance	–	–
Trip Interruption Insurance	–	–
Flight/trip delay	–	$500 – 4 hours
Delayed baggage	–	$1,000/pers.
Lost/stolen baggage	–	$1,000/pers.
Common carrier accident	$100,000	$500,000
Hotel/motel burglary	–	$2,500
Auto rental collision/loss damage waiver	$65,000 – 48 days	$65,000 – 48 days
Mobile device	–	$1,000
Purchases	90 days	90 days
Extended warranty	1 additional year	1 additional year

CIBC Aeroplan^® Visa* Card

TD^® Aeroplan^® Visa Platinum* Card

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

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

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

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

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

Core Aeroplan Credit Cards

Name	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	TD® Aeroplan® Visa Infinite* Card
Welcome offer	35,000 Aeroplan points (after $3,000 in purchases)	10,000 Aeroplan points on first purchase	10,000 Aeroplan Points (1st purchase)†
	+ up to 15,000 Aeroplan points (see conditions)	+ 40,000 additional Aeroplan points (see conditions)	+ 30,000 Aeroplan points (see conditions)
	–	–	+ 15,000 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	–	–
Income required (indiv./household)	$0	$60,000 – $100,000	$60,000 – $100,000
Earning rate
Air Canada and Air Canada Vacations	2 points	1.5 points	1.5 points
Gas	1 point	1.5 points	1.5 points
Grocery	1 point	1.5 points	1.5 points
Dining and Food Delivery	1.5 points	1 point	1 point
Other	1 point	1 point	1 point
Benefits
Preferred pricing	✓	✓	✓
No expiry of Aeroplan points	✓	✓	✓
Free first checked bag	✓	✓	✓
Shared benefits with additional cards	✓	✓	✓
1,000 SQM et 1 SQS (per $10,000 eligible annual spend)	✓	✓	✓
$100 Nexus Credit	–	–	✓
Insurance
Health care	–	$5,000,000 Age 0-64: 15 days Age 65+: 3 days	$1,000,000 Age 0-64: 21 days Age 65+: 4 days
Trip Cancellation Insurance	–	$1,500/pers. $5,000 total	$1,500/pers. $5,000 total
Trip Interruption Insurance	–	$2,000/pers.	$5,000/pers. $25,000 total
Flight/trip delay	$500 – 4 hours	$500 – 4 hours	$500 – 4 hours
Delayed baggage		$500/pers. $1,000 total	$1,000/pers.
Lost/stolen baggage	$500	$500/pers. $1,000 total	$1,000/pers.
Common carrier accident	$500,000	$500,000	$500,000
Hotel/motel burglary	$500	$2,500	$2,500
Auto rental collision/loss damage waiver	$85,000 – 48 days	$65,000 – 48 days	$65,000 – 48 days
Mobile device	–	$1,000	$1,000
Purchases	90 days – $1,000	90 days	90 days
Extended warranty	1 additional year	1 additional year	1 additional year

American Express^® Aeroplan^®* Card

With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 50,000 Aeroplan points.

Here’s how:

• 35,000 Aeroplan points after $3,000 in Card purchases within the first 6 months
• 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first 6 months of Cardmembership. That could add up to 15,000 Aeroplan points

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

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

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

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

CIBC Aeroplan^® Visa Infinite* Card

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

• A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†
• 40,000 Aeroplan points when you spend $1,000 or more during the first 4 monthly statements periods^†.
• Plus, get an annual fee rebate for the first year (instead of $139)^†
• Annual fee rebate for the first year for up to 3 additional cardholders (instead of $50 per additional card)^†
• Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

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

TD^® Aeroplan^® Visa Infinite* Card

With the TD® Aeroplan® Visa Infinite* Card, you can earn up to 55,000 Aeroplan points and a first-year annual fee rebate:

• A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†
• 30,000 Aeroplan points when you spend $5,000 within 180 days of Account opening^†
• 15,000 Aeroplan points when you spend $7,500 within 12 months of Account opening^†
• Plus, get an annual fee rebate for the first year (instead of $139)^†
• Annual fee rebate for the first year for up to 3 additional cardholders (instead of $75 per additional card)^†
• $100 NEXUS fee rebate^†
• Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

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

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

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

Premium Aeroplan Credit Cards

Name	American Express®* Aeroplan® Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	TD® Aeroplan® Visa Infinite Privilege* Credit Card
Welcome offer	55,000 Aeroplan points (after $6,000 in purchases)	20,000 Aeroplan points† (1st purchase)	20,000 Aeroplan points† at first purchase†
	+ up to 30,000 Aeroplan points (see conditions)	+ 40,000 Aeroplan points (see conditions)	+ 60,000 Aeroplan points (see conditions)
	–	+ 30,000 Aeroplan points (see conditions)	+ 35,000 Aeroplan points (see conditions)
Annual fee	$599	$599	$599
Additional Card (with privileges)	$199	$149	$199
Additional Card (without privileges)	$0	–	–
Income required (indiv./household)	$0	$150,000 – $200,000	$150,000 – $200,000
Earning rate
Air Canada and Air Canada Vacations	3 points	2 points	2 points
Gas	1.25 points	1.5 points	1.5 points
Grocery	1.25 points	1.5 points	1.5 points
Travel	1.25 points	1.5 points	1.5 points
Dining and Food Delivery	2 points	1.5 points	1.5 points
Other	1.25 points	1.25 points	1.25 points
Benefits
Preferred pricing	✓	✓	✓
No expiry of Aeroplan points	✓	✓	✓
Free first checked bag	✓	✓	✓
Shared benefits with additional cards	✓	✓	✓
1,000 SQM et 1 SQS (per $5,000 eligible annual spend)	✓	✓	✓
$100 Nexus Credit	–	✓	✓
Travel benefits
Access to the Maple Leaf Lounge	✓	✓	✓
6 annual airport lounge visits	–	✓	✓
Airport Priority services	✓	✓	✓
Priority Airport Standby	✓	✓	✓
Annual companion pass	–	–	–
ROLLOVER SQM	✓	✓	✓
ROLLOVER eUPGRADE CREDITS	✓	✓	✓
Insurance
Health care	$5,000,000 Age 0-65: 15 days	$5,000,000 Age 0-64: 31 days Age 65+: 10 days	$5,000,000 Age 0-64: 31 days Age 65+: 4 days
Trip Cancellation Insurance	$1,500/pers. $3,000/pers.	$2,500/pers. $10,000 total	$2,500/pers. $5,000 total
Trip Interruption Insurance	$1,500/pers. $6,000 total	$5,000/pers. $25,000 total	$5,000/pers. $25,000 total
Flight/trip delay	$1,000 – 4 hours	$500 – 4 hours	$1,000 – 4 hours
Delayed baggage		$500/pers. $1,000 total	$1,000/pers.
Lost/stolen baggage	$1,000	$1,000/pers. $2,500 total	$2,500/pers.
Common carrier accident	$500,000	$500,000	$500,000
Hotel/motel burglary	$1,000	$2,500	$2,500
Auto rental collision/loss damage waiver	$85,000 – 48 days	$85,000 – 48 days	$85,000 – 48 days
Mobile device	–	$1,500	$1,500
Purchases	90 days – $1,000	180 days	120 days
Extended warranty	1 additional year	2 additional years	2 additional years

American Express^®* Aeroplan^® Reserve Card

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

• 55,000 Aeroplan points after $6,000 in Card purchases within the first 6 months
• 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first 6 months. That’s up to 30,000 Aeroplan Points

With this 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 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.

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

And you can get a FREE Uber Pass membership for 12 months.

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

CIBC^® Aeroplan^® Visa Infinite Privilege* Card

With the CIBC® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 90,000 Aeroplan^† points:

• 20,000 Aeroplan points when you make your first purchase†
• 40,000 Aeroplan points when you spend $3,000 or more during your first 4 monthly statement periods†
• 30,000 Aeroplan points as an additional anniversary bonus†
• Access to Air Canada Maple Leaf lounge^†
• 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.

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

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 115,000 Aeroplan points^†:

• 20,000 Aeroplan points when you make your first purchase with your new card^†
• 60,000 Aeroplan points when you spend $7,500 within 180 days of Account opening^†
• 35,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• $100 NEXUS fee rebate^†
• Access to Air Canada Maple Leaf lounge^†
• 6 annual visits to airport lounge members of the Visa Airport Companion^† Program hosted by Dragonpass International Ltd.
• Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

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

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

• Grocery stores
• Gas stations
• travel purchases
• Dining purchases

And 2 points† for every $1 spent on Air Canada purchases, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points† per dollar.

Bottom Line