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Aeroplan Visa cards

Planning your dream vacation? Get there faster and cheaper with an Aeroplan Visa card. 

Whether you’re a seasoned traveller or planning your first trip overseas, chances are you might benefit from collecting points with a frequent flyer program like Aeroplan. This loyalty program works with several of Canada’s big banks and credit card companies to help you earn more points for every purchase you make.

While there are plenty of Aeroplan credit cards on the market, you’ll get a particularly good selection if you choose to go with an Aeroplan Visa. Find out what the benefits of this type of card are and learn how you can compare your options to get the highest return on points and benefits for the lowest annual fee.

How do Aeroplan Visa cards work?

You can sign up for a selection of basic and premium Aeroplan Visa Cards with either CIBC or TD Bank. The number of points you’ll earn on each card depends on what class of card you get and how much you pay for your annual fee. Most cards let you earn one Aeroplan point (formerly called Aeroplan Mile) for every dollar you spend, though Visa Infinite Privilege cards offer 1.5 points per dollar.

Depending on what type of card you go for, you might also earn a different number of points for different types of purchases. Some Visa cards will give you a higher return when you shop for gas and groceries, while others might give you more points for booking travel with Air Canada Vacations. As always, make sure to compare the fees, benefits and points on offer from several Visa cards to find the best fit for your needs. And don’t hesitate to explore Aeroplan options from American Express if you’re having trouble finding the right fit.

Which banks offer Aeroplan Visa credit cards?

The only two banks in Canada that offer Aeroplan Visa credit cards are CIBC and TD Bank. Both banks offer a selection of Aeroplan Visa, Visa Infinite, Visa Infinite Privilege and Visa Business Cards. CIBC also offers an Aeroplan Visa Card for Students along with an Aeroplan Visa Business Plus Card, while TD sets itself apart with an Aeroplan Visa Platinum Card.

Find out more about the cards on offer by expanding the link below or compare specific features of CIBC and TD Aeroplan Visas here.

  • Deciding if an Aeroplan card is the right fit for you

    There are a couple of popular frequent flyer programs to choose from in Canada, so you’ll need to make sure that Aeroplan is the best program to match with your Visa card. It helps to compare the features listed below to inform your choice.

    • Partner companies. Aim for the frequent flyer plan that will give you a higher return at your favorite stores.
    • Partner airlines. Look for a card that offers a selection of flights from the airlines you use most frequently.
    • Available rewards. Check out the rewards on offer with each program to make sure you’ll actually be able to redeem the points you earn.

    How to compare Aeroplan Visa cards

    If you’ve decided that an Aeroplan Visa card is the right choice for you, the next step is to figure out which card might best meet your unique set of needs. Some of the features you can compare to get started include:

    • Return on points. Look at how many points you’ll get for every dollar you spend, especially on frequent purchases like gas and groceries.
    • Welcome bonuses. Compare the bonus offers for several Visa cards as these can sometimes give you a year’s worth of points or more, depending on the card.
    • Perks and benefits. Decide if you need a card with a ton of benefits or if you’re looking for a minimalist card with no annual fee.
    • Interest rates. Figure out what you’ll have to pay in interest on outstanding balances to make sure you don’t get stuck with a bigger bill than you can handle.
    • Annual fee. Do a bit of math to figure out if paying an annual fee is worth the higher return you’ll get on points and benefits.
    • Fees for additional cards. Make sure you won’t get dinged with an annual fee for every additional card you take out.
    • Other fees. Read the fine print to see what other fees you’ll pay, and find a card that won’t charge you more for certain types of transactions or services.

    How to earn Aeroplan points on your Visa card

    It’s relatively easy to collect Aeroplan points whenever you spend money on your Visa card. The challenging part is to target your spending so that you earn the maximum number of points in the least amount of time.

    You can start by picking a card that will let you earn accelerated rewards for daily purchases like gas and groceries. It’s also possible to earn more points for shopping at partner stores, especially when you take advantage of “flyer deals” that will reward you for buying certain brands or products.

    If you want to collect the highest number of points per dollar spent, you might also benefit from paying an annual fee to get a premium Visa. This will usually give you the potential to earn plenty of points, along with giving you the biggest welcome bonus and the most comprehensive benefits.

    How to redeem your Aeroplan points

    When you’ve collected enough points, you can exchange them for travel or other rewards using your Aeroplan account. You just need to sign in to the online platform to see what rewards you can qualify for. If you’re not very tech-savvy, you can also call in to an Aeroplan agent to ask for assistance.

    As a rule of thumb, you’ll typically get the most value out of your points if you redeem them for flights. If you’re not interested in flying, you can also use your points for everything from hotel stays to car rentals to gift cards and merchandise.

    What other rewards can I get?

    The types of rewards you can qualify for typically depends on the number of points you’ve collected. If you have a fair amount, you may be able to cash them in for some of the following rewards.

    • Travel packages. Cash your points in for an all-inclusive vacation or cruise.
    • Hotel accommodation. Earn extra rewards when you spend your Aeroplan points on an overnight stay at select hotels.
    • Car rentals. Exchange your points to rent a car with Avis, Budget or Payless.
    • Merchandise. Redeem your points for hundreds of brand-name products in Aeroplan’s online store.
    • Entertainment. Trade in your miles for theme park tickets, wine tastings, city tours and other must-do experiences, depending on availability.
    • Gift cards. Use your points to get gift cards for some of your favorite stores.
    • Charitable donations. Transfer your points into a cash donation for your favorite charity.

    Compare other Aeroplan cards

    1 - 3 of 3
    Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
    American Express Aeroplan Reserve Card
    110,000 points
    Up to 10x points
    19.99%
    $599
    Min. recommended credit score: 700
    Earn up to 110,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $3,100 in value within the first year. Offer ends September 20, 2022.
    American Express Aeroplan Card
    70,000 points
    Up to 5x points
    30% annual interest rate applies to balances not paid in full each month
    $120
    Min. recommended credit score: 700
    Earn up to 70,000 welcome bonus Aeroplan points. Offer ends September 20, 2022. New Cardmembers can earn up to $1,500 in value within the first year.
    American Express Aeroplan Business Reserve Card
    110,000 points
    Up to 10x points
    16.99%
    $599
    Min. recommended credit score: 700
    Earn up to 110,000 welcome bonus Aeroplan points. New cardholders can earn up to $3,100 or more in value within the first year.
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    Bottom line

    There are plenty of Aeroplan Visa cards on the market for you to choose from. Learn how to compare basic and premium cards to find the best combination of features. This will help you lock in the card that’s the best fit for your lifestyle at the lowest possible fee.

    Frequently asked questions about Aeroplan Visa cards

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