Update: May 30, 2022
American Express, CIBC and TD offer a variety of Aeroplan credit card offers.
If you know what the Air Canada Buddy Pass is, go directly to the offers for the three Aeroplan credit card tiers:
Entry Aeroplan Credit Cards
Entry-Level Aeroplan credit cards are offered by two issuers:
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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) |
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+ First Year Annual fee rebate (see conditions) |
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Offer end | – | September 05, 2022 |
Annual fee | $0 | $89 |
Additional Card (with privileges) | $0 | $35 |
Additional Card (without privileges) | – | – |
Income required (indiv./household) | – | – |
Earning rate | ![]() |
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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 |
Advantages | ||
Preferred pricing | ✓ | ✓ |
No expiry of Aeroplan points | ✓ | ✓ |
Insurance | ![]() |
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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 |
With the CIBC Aeroplan® Visa* Card, CIBC has decided to issue an Aeroplan credit card with no annual fee. It is the only Aeroplan credit card with no annual fee on the market.
The earning rate is the same for the two cards. The difference is mostly in the insurance offered: unlike CIBC, the TD® Aeroplan® Visa Platinum* Card includes insurance for flight or baggage delays, lost luggage, hotel theft or even your mobile devices.
CIBC Aeroplan® Visa* Card

Welcome offer
Here is the welcome offer for this new Aeroplan credit card:
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.
TD® Aeroplan® Visa Platinum* Card

Welcome offer
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and an annual fee rebate for the first year:
- 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
Our opinion on entry-level credit card offers
With the CIBC Aeroplan® Visa* Card, CIBC has decided to issue an Aeroplan credit card with no annual fee. It is the only Aeroplan credit card with no annual fee on the market.
The earning rate is the same for the two cards. The difference is mainly on the insurance side: unlike CIBC, the TD Credit Card includes insurance for flight or baggage delays, lost luggage, hotel burglary or mobile insurance. However, once the first year is over, the TD® Aeroplan® Visa Platinum* Card will have an annual fee.
If you don’t need insurance, CIBC’s card will be a better choice. But if you want more Aeroplan points and good insurance, the TD® Aeroplan® Visa Platinum* Card is a good choice.

Core Aeroplan Credit Cards
Core Aeroplan credit cards are the most popular cards. Here are the names of the credit cards offered by the three issuers:
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Name | American Express® Aeroplan®* Card | CIBC Aeroplan® Visa Infinite* Card | TD® Aeroplan® Visa Infinite* Card |
Welcome offer |
20,000 Aeroplan Points (after $1,500 in Card purchases) |
10,000 Aeroplan points on first purchase |
10,000 Aeroplan Points (1st purchase)† |
+ up to 30,000 Aeroplan points (see conditions) |
+ 10,000 additional Aeroplan points (see conditions) |
+ 20,000 Aeroplan points after $1,500 in purchases within 90 days of account opening† |
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– | + Air Canada Buddy Pass (see conditions) |
+ 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening† |
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+ Annual fee rebate for the first year† (see conditions) |
+ Annual fee rebate for the first year† (see conditions) | ||
Offer end | – | – | September 05, 2022 |
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 | ![]() |
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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 |
Advantages | ![]() |
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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 | ![]() |
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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 |
Of the three Core Aeroplan credit cards, American Express and TD offer the best value.
Indeed, on the side of American Express, the AeroplanMD * American ExpressMD Card stands out by being less expensive and by offering the possibility of adding additional cards free of charge (These cards will not offer privileges like other cards , but they will allow you to earn points). Besides, 2 points per dollar with Air Canada and Air Canada Vacations is exciting.
For its part, the TD® Aeroplan® Visa Infinite* Card stands out with a $100 Nexus credit, something that American Express and CIBC don’t offer.
American Express® Aeroplan®* Card

Welcome offer
With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 50,000 Aeroplan points.
Here’s how:
- 20,000 Aeroplan points after spending $1,500 within the first 3 months
- 2,500 Aeroplan Points per month, after $500 in Card purchases per month for the first 12 months or 30,000 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

Welcome offer
Here is the welcome offer for this new Aeroplan credit card:
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.
- Earn 10,000 bonus Aeroplan points when you spend $1,000 or more during the first 4 monthly statement periods.
- Get an Air Canada Companion Pass when you spend a minimum of $1,000 during the period covered by your first 4 statements.
- Annual fee rebate for Primary/Rewards Officer and up to 3 Authorized Users
TD® Aeroplan® Visa Infinite* Card

Welcome offer
With the TD® Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a full Annual Fee Rebate for the first year:
- A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- 20,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†
- an additional 20,000 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†
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† for every $1 spent on eligible:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations
Our opinion on Core Aeroplan Credit Cards offers
The three issuers have chosen different options for these cards, which are expected to be the most popular.
American Express has chosen to maintain the annual fee, starting in the first year and adding spending conditions for the first 12 months. To earn the full Welcome Bonus of 50,000 Aeroplan points, you will need to spend a total of $6,000 over 12 months.
CIBC has chosen to offer an Annual fee rebate for Primary and up to 3 Authorized Users. If the welcome bonus of 10,000 Aeroplan points is offered with your first purchase, you’ll need to spend $1,000 in 4 months to get the Air Canada Companion Pass and an additional 10,000 Aeroplan points.
TD seems to us to offer the best deal of the three. A welcome bonus of up to 50,000 Aeroplan points is available. The TD® Aeroplan® Visa Infinite* Card stands out with a $100 NEXUS credit, something American Express and CIBC don’t offer.

Premium Aeroplan Credit Cards
Premium Aeroplan credit cards are designed for Air Canada’s frequent flyers. Here are the names of the credit cards offered by the three issuers:
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Name | American Express®* Aeroplan® Reserve Card | CIBC Aeroplan® Visa Infinite Privilege* Card | TD® Aeroplan® Visa Infinite Privilege* Credit Card |
Welcome offer |
25,000 Aeroplan points (after $3,000 in Card purchases) |
20,000 Aeroplan points† (1st purchase) |
20,000 Aeroplan points† at first purchase† |
+ up to 60,000 Aeroplan points (see conditions) |
+ 25,000 Aeroplan points (see conditions) |
+ up to 85,000 Aeroplan points† (see conditions) |
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– | + 30,000 Aeroplan points (see conditions) |
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– | – | – | |
Offer end | – | – | September 05, 2022 |
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 | ![]() |
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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 |
Advantages | ![]() |
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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 | ![]() |
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Access to the Maple Leaf Lounge | ✓ | ✓ | ✓ |
6 Annual Visits to Priority Pass lounges | – | ✓ | ✓ |
Airport Priority services | ✓ | ✓ | ✓ |
Priority Airport Standby | ✓ | ✓ | ✓ |
Annual companion pass | ✓ | ✓ | ✓ |
ROLLOVER SQM | ✓ | ✓ | ✓ |
ROLLOVER eUPGRADE CREDITS | ✓ | ✓ | ✓ |
Insurance | ![]() |
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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 |
Of the three premium Aeroplan credit cards, they all offer the same earning rates (1.25 points anywhere). On the other hand, the fees are different for CIBC ($149 instead of $199 for the additional TD card). But $50 instead of $100 for the Nexus credit.
On the American Express side, the American Express®* Aeroplan® Reserve Card stands out for its high earning rate for purchases with Air Canada and Air Canada Vacations: 3 points per dollar. However, it doesn’t offer the 6 visits to Priority Pass lounges, nor the Nexus Credit.
However, unlike CIBC and TD, which require an individual income of $150,000 or $200,000 household income, the American Express®* Aeroplan® Reserve Card requires no minimum income.
American Express®* Aeroplan® Reserve Card

Welcome offer
With this welcome offer for the American Express®* Aeroplan® Reserve CardCard, you can earn up to 85,000 Aeroplan points. Here’s how:
- 25,000 Aeroplan points after spending $3,000 within the first 3 months
- 5,000 Aeroplan Points per month, after $1,000 in Card purchases per month for the first 12 months, or 60,000 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

Welcome offer
Here is the welcome offer for this new Aeroplan credit card:
- 20,000 Aeroplan points Welcome Bonus (1st purchase)
- Earn 25,000 Aeroplan points when you spend $3,000 or more during your first 4 monthly statement periods
- You can also earn an additional 2,500 Aeroplan points each monthly statement period in which you spend at least $2,000 in your first year. That’s up to 30,000 points!
TD® Aeroplan® Visa Infinite Privilege* Credit Card

Welcome offer
With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 105,000 Aeroplan points†:
- 20,000 Aeroplan points when you make your first purchase with your new card†
- Up to 85,000 Aeroplan points when you spend $1,000 each month for the first 10 months of Account opening† to earn 8,500 Aeroplan Points per month
- $100 NEXUS fee rebate†
- Access to Air Canada Maple Leaf lounge†
- 6 annual visits to Priority Pass airport lounges†
- 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†
With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points† per dollar for:
- Grocery stores
- Gas stations
- travel purchases
- Dining
And 2 points† for every $1 spent on Air Canada purchases, including Air Canada Vacations. Everywhere else, you will earn 1.25 points† per dollar.
Our opinion on Premium Aeroplan Credit Card Offers
Of the three premium Aeroplan credit cards, TD offers the best Welcome Bonus: up to 105,000 Aeroplan points.
To get the full welcome offer, you will need to spend $1,000 per month for 10 months (a total of $10,000). This remains accessible, given the target audience.
The second best offer is from American Express. You can earn up to 85,000 Aeroplan points. To get the full welcome offer, you will need to spend $1,000 per month for 12 months (a total of $12,000).
Finally, CIBC is offering up to 75,000 points as long as you make $2,000 in purchases per month for the first year!
Please note: CIBC and TD require a $150,000 individual income or $200,00 household income to get one of these cards. There is no minimum income requirement on the American Express side with the American Express®* Aeroplan® Reserve Card.

Conclusion
Abonnez-vous à notre infolettre pour ne pas manquer nos prochains articles dans lesquels nous ferons des comparatifs entre chaque carte de crédit sur chaque aspect:
- Earning
- Benefits
- Insurance
- Fees
- And more!
All this to help you choose the right Aeroplan credit card for you!