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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.

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American Express Aeroplan Card

American Express Aeroplan Card logo
  • Earn 35,000 bonus points
  • Get a bonus Buddy Pass
  • Enjoy travel insurance
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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.

Best for no annual fee: CIBC Aeroplan Visa Card

20.99%
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 20.99%
Cash Advance Rate 22.99%
Interest Free Period 21 days
Balance Transfer Rate 22.99%
Foreign Transaction Fee 2.5%
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

20.99%
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 points on eligible dining and food delivery purchases in Canada and on eligible purchases with Rocky Mountaineer, and 1.25x points on everything else. Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year. 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 20.99%
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 points on eligible dining and food delivery purchases in Canada and on eligible purchases with Rocky Mountaineer, and 1.25x 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. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your card.
  • Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year.
  • 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 20.99% 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.

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.

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

1 - 3 of 3
Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Aeroplan Reserve Card
85,000 points
Up to 3x points
20.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year.
American Express Aeroplan Card
50,000 points
Up to 2x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 50,000 welcome bonus Aeroplan points. That's a value of up to $1,100 in your first year.
American Express Aeroplan Business Reserve Card
85,000 points
Up to 3x points
16.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New cardholders can earn up to $2,600 or more in value within the first year.
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Compare up to 4 providers

Bottom line on the Best Aeroplan card in Canada

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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