Compare the Best Aeroplan Credit Cards for 2021 | Finder Canada

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Compare the best Aeroplan credit cards

Dreaming of your next vacation? Collect points with an Aeroplan credit card to get discounts on flights, hotels and more.

Want to earn more Aeroplan miles? Compare these providers of Aeroplan credit cards to get the highest return on rewards for the lowest fee.
As one of Canada’s most popular frequent flyer programs, Aeroplan lets you earn travel rewards with over 150 partners. To earn Aeroplan points faster, you can also get an Aeroplan credit card to accumulate additional points wherever you shop.

Find out how you can earn and redeem Aeroplan points (formerly called Aeroplan Miles) quickly and easily, and compare Aeroplan credit cards to get the best deal.

Please note: All information about TD Aeroplan Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best for : TD Aeroplan Visa Infinite Card

19.99%
Purchase Interest Rate
$139
Annual Fee
Good
Min. Recommended Credit Score
The TD Aeroplan Visa Infinite Card offers a sizable welcome bonus along with a high return on Aeroplan points for $139 per year. Earn 1.5 points for every $1 you spend on gas, groceries and Air Canada purchases, as well as 1 point on everything else. T&C's apply. This card also comes with a full suite of travel insurance, which includes travel medical, common carrier, trip interruption or cancellation, baggage or flight delay and car rental insurance. You’ll also enjoy special travel perks such as NEXUS discounts and free checked baggage with Air Canada.
Annual Fee $139
Additional Cardholder Fee $75
Min. Credit Score Good
Purchase Interest Rate 19.99%
Cash Advance Rate 22.99%
Interest Free Period Up to 21 days
Balance Transfer Rate 22.99%
Foreign Transaction Fee 2.5%
Pros
  • Earn 1.5 points for every $1 you spend on gas, groceries and Air Canada purchases, as well as 1 point on everything else. T&C's apply.
  • Earn 2X the points when you buy at over 150 participating Aeroplan retailers or 100 online retailers through the Aeroplan eStore.
  • Earn 20,000 Aeroplan points and get a Bonus Buddy Pass. Plus, get the first year annual fee waived for the Primary and 1st additional cardholder. Conditions Apply. Apply by May 30, 2021.
  • Get up to $1,000,000 Travel Medical Insurance for the first 21 days of your trip or for the first 4 days if you or your spouse are 65+. Plus, get Travel Accident Insurance as well as coverage for trip cancellations and interruptions, delayed or lost baggage and flight delays. Additionally, cardholders can enjoy peace of mind with Emergency Travel Assistance Services.
  • Get discounted rates at Avis and Budget car rental services with Auto Rental Collision/Loss Damage Insurance.
  • Protect the products you buy on your card with purchase insurance and extended warranty coverage.
  • Get travel perks like NEXUS rebates, car rental discounts and free checked baggage with Air Canada.
What to watch out for
  • This card has an annual fee of $139.
  • You'll need a minimum income of at least $60,000, or combined household income of $100,000, to qualify for this card.

Best for no annual fee: CIBC Aeroplan Visa Card

19.99%
Purchase Interest Rate
$0
Annual Fee
Unknown
Min. Recommended Credit Score
The CIBC Aeroplan Visa Card is the only CIBC Aeroplan credit card with a $0 annual fee. It also offers a nice welcome bonus: Snag 10,000 Aeroplan points when you sign up and make your first purchase. You'll receive some solid ongoing rewards too. Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else. You’ll also get travel benefits like car rental collision or damage coverage and common carrier accident insurance when you sign up.
Annual Fee $0
Additional Cardholder Fee $0
Min. Credit Score Unknown
Purchase Interest Rate 19.99%
Cash Advance Rate 22.99%
Interest Free Period 21 days
Pros
  • $0 annual fee.
  • Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.
  • Earn points twice when you spend with Aeroplan partners or shop with retailers in Aeroplan’s online eStore.
  • Obtain 10,000 Aeroplan points when you make your first purchase.
  • You'll receive car rental collision or damage coverage and common carrier accident insurance.
  • Purchase protection coverage for up to 90 days
  • Extended warranty coverage of up to one additional year following the expiry of the original manufacturer’s warranty.
What to watch out for
  • You won’t collect as many points with this card as you will with more premium cards that come with an annual fee.
  • You won’t be able to earn cashback and your points will be locked into Aeroplan’s reward program.
  • This card doesn’t come with comprehensive travel insurance such as travel medical or trip interruption/cancellation insurance.

Best for premium rewards and travel benefits: American Express Aeroplan Reserve Card

19.99%
Purchase Interest Rate
$599
Annual Fee
700
Min. Recommended Credit Score
The American Express Aeroplan Reserve Card is a premium Aeroplan rewards credit card that comes with tons of perks and accelerated rewards. Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else. Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember. This card also comes with a host of travel perks and coverage, including travel medical, trip cancellation and interruption, hotel burglary, car rental and common carrier coverage.
Annual Fee $599
Additional Cardholder Fee $199
Min. Credit Score 700
Purchase Interest Rate 19.99%
Cash Advance Rate 21.99%
Interest Free Period 21 days
Foreign Transaction Fee 2.5%
Pros
  • Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else.
  • Reach Aeroplan elite status more easily. Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 worth of eligible purchases you charge to your card.
  • Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
  • Travel insurance coverage includes travel medical, trip cancellation and interruption, hotel burglary, car rental and common carrier coverage
  • Get access to tons of travel perks, including free checked baggage for yourself and up to 8 companions, access to Maple Leaf Lounges in North America and Air Canada Cafés for you and a guest (with same day tickets on departing Air Canada or Star Alliance flights), Priority Airport Check-In, Priority Boarding, and Priority Baggage Handling with Air Canada and priority access to eUpgrades/standby list and worldwide airport lounge access with Priority Pass
  • If you often travel out of Toronto Pearson International Airport, this card provides you access to the Pearson Priority Security Lane, complimentary valet service, 15% off parking rates and 15% off Car Care Services.
  • Get access to special offers for music, dining, entertainment and exclusive events offered by American Express.
  • The American Express Aeroplan Reserve Card comes as an exclusive, precision cut and engraved 13g metal card.
What to watch out for
  • This card comes with a hefty yearly fee of $599
  • You'll have to pay an interest rate of 19.99% on your purchases and a 21.99% rate on cash advances.
  • There’s an added fee of $199 for every additional card you add to your account.

Please note: All information about TD Aeroplan Visa Business Card has been collected independently by Finder and this product is not available through this site.

Best for small businesses: TD Aeroplan Visa Business Card

14.99%
Purchase Interest Rate
$149
Annual Fee
Unknown
Min. Recommended Credit Score
The TD Aeroplan Visa Business Card is a credit card designed for small business owners. Earn points towards your business travel needs. Earn 1.5 points for every dollar you spend on travel, dining and select business categories. You’ll also earn 2 points per dollar for Air Canada purchases, and 1 point for everything else. This card also comes with a low interest rate, a decent welcome bonus and a reasonable number of travel benefits.
Annual Fee $149
Additional Cardholder Fee $49
Min. Credit Score Unknown
Purchase Interest Rate 14.99%
Pros
  • The purchase interest rate on this card is 14.99%.
  • Earn 1.5 points for every dollar you spend on travel, dining and select business categories. You’ll also earn 2 points per dollar for Air Canada purchases, and 1 point for everything else.
  • Earn up to 25,000 Aeroplan points and a bonus Buddy Pass, plus up to $247 in Annual Fee rebates for the first year when you apply by May 30, 2021.
  • Get car rental discounts, NEXUS rebates and free checked bags. Plus, get access to the TD Card Management Tool to help manage your business expenses and implement spend controls.
  • Enjoy a full suite of travel insurance including travel medical, trip cancellation, flight/baggage delay, hotel burglary, car rental, common carrier insurance.
What to watch out for
  • You'll have to pay an annual fee of $149 for this card.
  • You'll be charged $49 for any additional cards you want added to your account.

How do Aeroplan credit cards work?

An Aeroplan credit card lets you earn points for every purchase you make on your card. You can typically earn 1 Aeroplan Point for every $1 you spend on your card, but some cards have different ratios. For example, one card might offer 1.5 points for every $1 you spend, while another might offer 1 point for every $1.50 you spend.

You will also usually earn a different number of points for different types of purchases. Many Aeroplan cards offer a higher return on points for gas, grocery and drugstore purchases. They generally offer more points for shopping with Aeroplan partner organizations. You’ll typically earn less points on all other purchases.

Aeroplan credit cards can help you accumulate Aeroplan points faster, and you can pair them with your membership to earn double the points when you make purchases with an Aeroplan partner.

Our comprehensive guide to the Aeroplan rewards program

Which providers offer Aeroplan credit cards in Canada?

You can sign up for a selection of basic and premium Aeroplan credit cards with CIBC, TD or American Express. Available cards include the following:

CIBC Aeroplan credit cardsTD Aeroplan credit cardsAmerican Express Aeroplan credit cards
Premium cards
  • CIBC Aeroplan Visa Infinite Privilege Card
  • CIBC Aeroplan Visa Infinite Card
  • TD Aeroplan Visa Infinite Card
  • TD Aeroplan Visa Infinite Privilege Card
  • American Express Aeroplan Reserve Card
Basic cards
  • CIBC Aeroplan Visa Card
  • CIBC Aeroplan Visa for Students
  • TD Aeroplan Visa Platinum Card
  • American Express Aeroplan Card
Business cards
  • CIBC Aeroplan Visa Business Card
  • CIBC Aeroplan Visa Business Plus Card
  • TD Aeroplan Visa Business Card
  • American Express Aeroplan Business Reserve Card

How to compare Aeroplan credit cards

When comparing Aeroplan credit cards, it helps to look at other factors like annual fees and introductory offers to make sure you’re getting the best bang for your buck.

  • Return on travel rewards. Look at how much you’ll earn with each credit card, keeping in mind that more rewards usually means higher fees and interest rates.
  • Welcome offers. Many Aeroplan credit cards give you enough points to get a return flight within North America when you sign up. Think about how you can combine the biggest welcome bonus with the highest return on points and benefits.
  • Benefits. Aeroplan credit cards can come with benefits like travel insurance, airport lounge access and priority check-in. Choose a card that will give you practical perks that you know you’ll be able to use.
  • Annual fee. Most Aeroplan credit cards have annual fees ranging from around $120 to over $500. Make sure the fee you pay is balanced out by a higher return on rewards or more perks on your card.
  • Interest rates. As with all credit cards, interest rates are important if you intend to carry a balance. If you make regular repayments and always pay in full, this will be less important.

American Express Aeroplan Card

American Express Aeroplan Card

30 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

American Express Aeroplan Card

Apply today and earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.

  • Purchase interest rate: 30% annual interest rate applies to balances not paid in full each month
  • Annual fee: $120
  • Credit rating: 700
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Deciding if an Aeroplan card is the right fit for you

Aeroplan is one of several frequent flyer programs to choose from in Canada. Before you get an Aeroplan credit card, you should consider whether this is the best fit for you. Some of the features you might want to compare for each program include the following:

  • Partner companies. Try to find the frequent flyer program that works with the largest number of stores that you shop at most often.
  • Partner airlines. Aim to sign up for the program that works with the largest network of airlines since this could impact when and where you can fly to with your rewards.
  • Available rewards. Check out each program’s “rewards store” to find out what you can use your points to purchase.

How to earn Aeroplan points with your Aeroplan credit card

The best way to earn points on your Aeroplan card is to charge eligible purchases to it. These include daily purchases (like gas, groceries and drugstore purchases) as well as bill payments and other expenses. Besides that, there are a few ways you can try to maximize your points return.

  • Shop at partner stores. You can also shop at partner stores to earn even more points on all of your purchases.
  • Get the family involved. Consider giving additional cards to your family members so that all of your points are accumulated on one account.
  • Look for a sign-up bonus. Many Aeroplan cards will also give you bonus points when you sign up. Just make sure to read the fine print, as some of these offers can only be redeemed when you’ve spent a certain amount of money in a specified time period. For example, you might be required to spend $500 in your first month to receive 10,000 bonus points.
  • Keep an eye out for promotions. Some cards will also offer bonus points for existing customers during promotions. In this instance, you might be able to cash in on extra bonus points for referring your family and friends to Aeroplan. Partner companies might also run promotional campaigns that let you earn more points for making certain purchases (such as buying a certain brand of cereal at the grocery store).

Find out how to earn up to 10x more Aeroplan points at the Aeroplan eStore.

How to redeem your Aeroplan points

Once you’ve had your card for a while, you can exchange the points you’ve accumulated for travel through Aeroplan. You can do this by signing in to your Aeroplan membership and browsing its main page for flights and other rewards. You can make your purchase online or over the phone with an Aeroplan agent.

Flight redemptions are typically the best value for redeeming your Aeroplan points. If you’re not interested in flying, you can use your points for everything from hotel stays and car rentals to gift cards and merchandise.

Our guide on more ways to redeem your Aeroplan points

What other travel rewards can I get?

If you don’t want to redeem your points for flights, you may be able to cash them in for some of the following travel rewards.

  • Travel packages. If you have enough points, you may be able to cash them in for an all-inclusive vacation package or cruise.
  • Hotel accommodation. Aeroplan has partnered with several hotel chains, so you can pick the best fit for your budget and earn double the rewards on your stay.
  • Car rentals. If you need a rental car, you can cash in your points with Avis, Budget or Payless car rentals.
  • Merchandise. You can redeem your points for hundreds of products in Aeroplan’s online store, ranging from clothing and jewellery to homewares and electronics.
  • Entertainment. You may be able to exchange your points for theme park tickets, wine tastings, city tours and other must-do experiences, depending on availability.
  • Gift cards. Aeroplan has partnered with many stores to provide gift cards that you can redeem online or in-person at the time of your choosing.

Compare Aeroplan credit cards you can apply for now

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Aeroplan Business Reserve Card
65,000 points
Up to 3 points per $1 spent
16.99%
$599
Min. recommended credit score: 700
Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
American Express Aeroplan Card
15,000 points
Up to 2x points per $1 spent
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
American Express Aeroplan Reserve Card
65,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
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Bottom line

There are plenty of Aeroplan cards on the market for you to choose from. Learn how these cards work as well as whether they’re the right fit for you. If you decide that they are, make sure to look for a card that offers a good cost-benefit ratio and compare several providers to find the best deal.

Frequently asked questions about Aeroplan credit cards

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