The Aeroplan program is widely popular among frequent Canadian travellers due to its very advantageous point system. It gives you the possibility to earn points as you use your card on everyday purchases (groceries, gas, and all other purchases). You can, then, exchange your points toward your next trip (flight tickets, hotel stays, car rental, merchandise…) and other Air Canada benefits. Regardless of your lifestyle, you will find the perfect Aeroplan credit card for you. We have gathered the 10 best Aeroplan credit cards using our credit card comparison tool.
Best for low-budget travellers
CIBC Aeroplan Visa Card
Annual Fee: None
Interest Rate: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents)
The CIBC Aeroplan Visa card is a no-fee travel credit card that allows you to earn points with your everyday purchases made with the card. You can earn one point for every $1 you spend on gas, groceries, and with Air Canada, and one point for every $1.50 you spend on all other purchases. You can also earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 10,000 Aeroplan points on your first purchase. That’s enough for a one-way economy class short-haul ticket in North America (Toronto-New York).
An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 30,000 Aeroplan points. You can redeem those points for some flights. For example, one round-trip economy long-haul ticket in North America (25,000 worth points) or one-round trip economy class short-haul ticket in North America (worth 12,000). You can redeem your points anytime you want, they will never expire.
The CIBC Aeroplan Visa has no annual fee and an interest rate of 19.99% for purchases and 22.99% for cash advances. Any additional CIBC Aeroplan Visa (up to 3) is free. The requirement to apply for this credit card is a minimum annual income required to apply for this credit card is $15,000 for a household, and to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes car rental collision/loss damage insurance, purchase security and extended protection insurance, and common carrier accident insurance. A student version of this card is also available with a minimum credit limit of $1,000, and no minimum income required.
For the middle-class travellers
TD® Aeroplan® Visa Infinite*
Annual Fee: $139
Interest Rate: 19.99% on purchases, 22.99% on cash advances
The TD® Aeroplan® Visa Infinite* card lets you earn Aeroplan points upon every purchase made with your card. You can earn 1.5 points for every $1 spent on eligible gas, grocery and Air Canada purchases and earn 1 point for every $1 spent on all other purchases.
You can also earn points twice when you pay at over 150 Aeroplan partner brands and more than 170 online retailers via Aeroplan eStore. You can, then, redeem your points for flights, hotel rooms, car rentals, or merchandise and gift certificates.
An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. You can redeem your points any time you want, they will never expire. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 80,000 points in your first year when you include the 50,000 point Welcome Bonus. The Welcome Bonus applies to new accounts opened online by September 5, 2022. †Conditions apply, so visit the TD website for all of the terms and conditions.
Some other benefits of being a card member are the Air Canada travel benefits of saving on baggage fees, the complimentary Visa Infinite Concierge, the exclusive luxury hotel collection, the access to gourmet events, tickets to curated events, and so much more. The TD Aeroplan® Visa® Infinite* has an annual fee of $139 with an interest rate on purchases and cash advances of 20.99% in Quebec, 19.99% in the rest of Canada. All additional TD Aeroplan Visa Infinite credit cards have a fee of $75 each. The required annual income to apply for this credit card is a $60,000 personal or $100,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more.
CIBC Aeroplan Visa Infinite
Annual Fee: $139
Interest Rate: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents)
The CIBC Aeroplan Visa Infinite credit card helps get closer to your dream vacation with rewards and enhanced travel benefits. This card lets you earn 1.5 points for every $1 spent on groceries, gas and Air Canada purchases and earn 1 point on all other purchases.
You can also earn points twice when you pay at over 150 Aeroplan partner brands and more than 170 online retailers via Aeroplan eStore. A special offer is available now, where you receive no annual fee in your first year. You can earn 10,000 Aeroplan points on your first purchase. You can get a one-time Bonus Companion Pass/Buddy Pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months, you also receive a free first checked bag every time you fly with Air Canada.
An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 40,000 Aeroplan points. You can redeem those points for some flights. Some options include one round trip premium economy class ticket to the Caribbean (worth 40,000 Aeroplan points), one round trip economy class short-haul ticket in North America (12,000 worth Aeroplan points), one round-trip economy class long-haul ticket in North America (25,000 worth Aeroplan points), and finally one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth Aeroplan points). You can redeem your points anytime you want, they will never expire.
The CIBC Aeroplan Visa Infinite has an annual fee of $139 with an interest rate of 19.99% on purchases and 22.99% on cash advances. All additional CIBC Aeroplan Visa Infinite credit cards have a fee of $50 each per year. The required annual income to apply for this credit card is $60,000 personal or $100,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel insurance, which includes out-of-province emergency travel medical insurance, trip cancellation/interruption insurance, flight delay and baggage insurance, hotel burglary insurance, and more.
American Express Aeroplan Card
Annual Fee: $120
Interest Rate: balance must be paid in full each month or a 30% annual rate will apply
The American Express Aeroplan card lets you earn Aeroplan points as you spend using your card. You can earn twice the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 1.5 times the points on eligible dining and food delivery in Canada, and once the points on everything else.
For a limited time, new American Express® Aeroplan®* Cardmembers can earn up to 70,000 Aeroplan points. Offer ends September 20, 2022. First, you earn 45,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first 6 months of having the card.
At the same time. You can also earn a total of 5 Aeroplan points for every $1 on eligible eats & drinks purchases in Canada for the first 3 months of membership. That is up tpup to 10,000 Aeroplan points. Finally, you earn 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases. However, that is only for the first 6 months of cardmembership. You could see up to 15,000 Aeroplan points added to your account.
This card comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events. The American Express Aeroplan card also comes with travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, Purchase protection plan and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.
The American Express Aeroplan credit card comes with an annual fee of $120. If you want an additional Aeroplan card, it will cost $50 or $0 for each Additional Aeroplan No Fee card. As a Charge Card, the balance must always be paid in full each month or a 30% annual interest rate will be applied. To apply for this credit card you have to be a Canadian resident and have a Canadian credit file, and at the age of majority in the province, you are currently living.
TD® Aeroplan® Visa Platinum*
Annual Fee: $89
Interest Rate: 19.99% on purchases, 22.99% on cash advances
The TD® Aeroplan® Visa Platinum* lets you redeem Aeroplan points earned on everyday purchases for your future trips. You can earn one point for every $1 spent on Air Canada purchases, gas, groceries, earn one point for every $1.50 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore.
A special offer is available now, where you can earn 20,000 Aeroplan points, plus your first year with no annual fee. You must apply by September 5, 2022.†Conditions apply, so visit the TD website for all of the terms and conditions.You can redeem your Aeroplan points for flight tickets, merchandise, experiences, and gift certificates.
An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 40,000 points in your first year including the Welcome Bonus. You could, then, redeem two round-trip economy classes short-haul tickets in North America (Toronto-New York). Redeem your points any time you want, they will never expire.
This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more. The credit card Platinum has an annual fee of $89 with an interest rate on purchases and cash advances of 20.99% in Quebec. In the rest of Canada, the purchase interest rate is 19.99% while cash advances have a 22.99% interest rate. All additional cardholder cards have an annual fee of $35 each. The required annual income to apply for this credit card is to be a Canadian resident and of the age of majority in your province/territory of residence. This card has a minimum credit limit of $1,500.
For the high-income travellers
CIBC Aeroplan Visa Infinite Privilege
Annual Fee: $599
Interest Rate: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents)
The CIBC Aeroplan Visa Infinite Privilege elevates your trip with premium travel benefits and rewards. You can earn 2 points for every $1 spent with Air Canada, 1.5 points for every $1 spent on gas, groceries, travel and dining and 1.25 points for every $1 spent on all other purchases. You can also earn twice the points when you pay at over 150 Aeroplan partners and more than 170 online retailers via Aeroplan eStore.
A special offer is available now, where you can earn 20,000 Aeroplan points on your first purchase. You can get a one-time bonus companion pass/buddy pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months. You also get select Maple Leaf lounges and Air Canada Cafes, plus six complimentary priority pass lounge visits per year. Cardholders can receive an annual Worldwide Companion Pass from $99 to a max of $599 when you spend $25,000 on your card.
An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 65,000 Aeroplan points.
You can redeem those points for some flights. For example, one round-trip business ticket within North America (worth 50,000), 1 round-trip economy long-haul tickets in North America (25,000 worth points), one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth Aeroplan points), or finally one round trip premium economy class ticket to the Caribbean (worth 40,000 Aeroplan points). You can redeem your points anytime you want, they will never expire.
The CIBC Aeroplan Visa Infinite Privilege has an annual fee of $599 with an interest rate of 20.99% for purchases and 22.99% for cash advances. For any additional CIBC Aeroplan Visa Infinite Privilege, the fee is $149 annually. The minimum annual income required to apply for this credit card is $150,000 for an individual or $200,000 for a household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes out-of-province emergency trip cancellation/interruption insurance, flight delay and baggage insurance, hotel burglary insurance, car rental collision/loss damage insurance, and more.
TD® Aeroplan® Visa Infinite Privilege*
Annual Fee: $599
Interest Rate: 19.99% on purchases, 22.99% on cash advances
The TD® Aeroplan® Visa Infinite Privilege* lets you redeem travel points as you spend. You can earn two points for every $1 spent on Air Canada purchases, 1.5 points for every $1 spent on gas, groceries, travel, and dining, and earn 1.25 points for every $1 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore.
An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 138,000 points in your first year including the Welcome Offer. You could, then, redeem one-way economy class tickets to Japan (Toronto-Tokyo).
Redeem your points any time you want, they will never expire. Some other benefits of being a card member are the Air Canada travel benefits (priority check-in and boarding, priority baggage handling…), the complimentary Visa Infinite Concierge, the exclusive luxury hotel collection, the access to gourmet events, tickets to curated events, and so much more.
This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more. The TD® Aeroplan® Visa Infinite Privilege* has an annual fee of $599 with a Quebec interest rate on purchases and cash advances of 20.99%. For other provinces, the interest rates are 19.99% for purchases and 22.99% for advances.
All additional TD Aeroplan Visa Infinite credit cards have a fee of $199 each. The required annual income to apply for this credit card is $150,000 individual or $200,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card has a minimum credit limit of $10,000.
American Express Aeroplan Reserve Card
Annual Fee: $599
Interest Rate: 19.99% on purchases, 21.99% on cash advances
The American Express Aeroplan Reserve allows you to travel with enhanced and exclusive benefits offered by American Express. You can earn 3 points for every $1 spent on Air Canada purchases (this is the highest out of all of the Aeroplan payment cards), earn 2 points for every $1 spent on eligible dining and food delivery in Canada, and finally earn 1 point for every $1 on everything else.
Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 105,000 bonus Aeroplan points.This card has an annual fee of $599 with an annual interest rate of 19.99% on purchases and 21.99% on cash advances. Pay $199 for each additional Aeroplan Reserve card or $0 for each additional Aeroplan Reserve No Fee card. You can redeem your points for flights, but also hotel stays, car rentals, vacation package, merchandise and more. Conditions apply. Must apply online by September 5, 2022.
Some of the key benefits are access to selected Air Canada Maple Leaf Lounges, as well as priority boarding and check-in. You can receive one annual worldwide companion pass when you spend $25,000 in net purchase before your card anniversary date. Enjoy the Pearson Priority Security Lane when you are at the Toronto Pearson International Airport during peak operation time. Get complimentary valet service at the Expres85s Park and Daily Park at TPIA.
This card also comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events. Enjoy travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, purchase protection plan and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.
For the business travellers
CIBC Aeroplan Visa Business Card
Annual Fee: $180
Interest Rate: as low as 12.99% on purchases, as low as 14.50% on cash advances
The CIBC Aeroplan Visa Business card lets you manage your business expenses all while earning points and airport experiences. You can earn two points for every $1 spent with Air Canada, 1.5 points for every $1 spent on shipping, the internet, cable, phone services, travel, and dining, and you can finally earn one point for every $1 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore.
A special offer is available now, where you can earn 10,000 Aeroplan points on your first purchase with a first-year annual fee rebate. You can also receive a one-time bonus companion pass/buddy pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months. You can enjoy a free first checked bag for you every time you fly with Air Canada and relax at up to four complimentary Maple Leaf lounges Once Guest Passes per year.
An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on shipping, the internet, cable and phone services, $500 on dining and travel, $1,000 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 64,000 Aeroplan points. You can redeem those points for some flights. For example, one round-trip business class ticket within North America (worth 50,000 points), one round-trip economy long-haul ticket in North America (25,000 worth points) or one-round trip economy class short-haul ticket in North America (12,000 worth points), one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth points), or finally one round trip premium economy class ticket to the Caribbean (40,000 worth points).
You can redeem your points anytime you want, they will never expire. The CIBC Aeroplan Visa Business card has an annual fee of $180 with an interest rate of 12.99% for purchases and 14.50% on cash advances. The annual fee for any additional CIBC Aeroplan Visa Business card is $50 (for up to 9). The requirement to apply for this credit card is an annual minimum income of $35,000 and to be a Canadian resident and of age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes car rental collision/loss damage insurance, purchase security and extended protection insurance, common carrier accident insurance, trip cancellation/interruption insurance, and flight delay and baggage insurance.
A “Business Plus” version of this card is also available, which has a $120 annual fee and an interest rate of 19.99% for purchase and 22.99% on cash advances. Your credit approval is based on your business.
American Express Aeroplan Business Reserve Card
Annual Fee: $599
Interest Rate: 16.99% on purchases, 21.99% on cash advances
The American Express Aeroplan Business Reserve card allows you to travel and enjoy all the exclusive benefits offered by American Express while managing your business expenses. The earn rate is amazing. New cardmembers earn 10x the Aeroplan points on eligible drinks and food purchases in the first 3 months, up to a maximum of 20,000 points. Next, 3x the points for eligible Air Canada purchases. Not enough? Earn 2x the points on dining and food delivery. Finally, 1.25x points on everything else. Offer valid until September 20, 2022.
There is a special offer is available now, where you can earn 90,000 welcome bonus Aeroplan points. This card has an annual fee of $599 with an annual interest rate of 19.99% on purchases and 21.99% on cash advances. Pay $199 for each additional Aeroplan Reserve card or $0 for each additional Aeroplan Reserve No Fee card.
You can redeem your points for flights, but also hotel stays, car rentals, vacation package, merchandise and more. Some of the key benefits are access to selected Air Canada Maple Leaf Lounges, as well as priority boarding and check-in. You can receive one annual worldwide companion pass when you spend $25,000 in net purchase before your card anniversary date.
Enjoy the Pearson Priority Security Lane when you are at the Toronto Pearson International Airport during peak operation time. Get complimentary valet service at the Express Park and Daily Park at TPIA. This card also comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events.
Enjoy travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, purchase protection plan, employees card misuse protection and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.
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About The Author: Sophie Albo
Sophie is the content specialist at Hardbacon. She is currently in her 3rd year of a bachelor's degree in marketing at Concordia University. Her passion for Fintech and was revealed during the 2016 Cooperathon where she received special award.
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