Aeroplan Credit Card Comparison and Offers

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

Please note: bookings on points (or points + cash), the use of Flight Pass credits and product changes are not eligible. A new card application is required. Bonus points do not count towards Elite status (EDQ, SQC or MQV).

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)	+ 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 Expiration of Aeroplan Points	✓	✓
Insurance
Health care	–	–
Flight Cancellation	–	–
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

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)
–	+ First-year annual fee rebate (see conditions)	+ First-year annual fee rebate (see conditions)
Annual Fee	$120	$139	$139
Additional Card (with privileges)	$50	$50	$75
Additional Card (without privileges)	$0	–	–
Income required (indiv./household)	$0	$60,000 – $100,000	$60,000 – $100,000
Earning rate
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 Expiration of Aeroplan Points	✓	✓	✓
First Checked Bag Free	✓	✓	✓
Shared benefits with additional cards	✓	✓	✓
1,000 SQM and 1 SQC (per $10,000 in annual purchases)	✓	✓	✓
$100 Nexus Credit	–	–	✓
Insurance
Health care	–	$5,000,000 Ages 0-64: 15 days Ages 65+: 3 days	$2,000,000 Ages 0-64: 21 days Ages 65+: 4 days
Flight Cancellation	–	$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

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	–	–
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 Expiration of Aeroplan Points	✓	✓	✓
First Checked Bag Free	✓	✓	✓
Shared benefits with additional cards	✓	✓	✓
1,000 SQM and 1 SQS (per $5,000 in annual purchases)	✓	✓	✓
$100 Nexus Credit	–	✓	✓
Travel benefits
Maple Leaf Lounge Access	✓	✓	✓
6 Airport Lounge Accesses	–	✓	✓
Airport Priority services	✓	✓	✓
Priority Airport Standby	✓	✓	✓
Annual companion pass	Yes	Yes	Yes
ROLLOVER SQM	✓	✓	✓
Deferred eUpgrades Credits	✓	✓	✓
Insurance
Health care	$5,000,000 Ages 0-65: 15 days	$5,000,000 Ages 0-64: 31 days Ages 65+: 10 days	$5,000,000 Ages 0-64: 31 days Ages 65+: 4 days
Flight Cancellation	$1,500 / pers. $3,000 total	$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 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

Conclusion

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.