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Best Aeroplan Credit Cards in Canada
Published Jun 23, 2025 8:21 PM UTC
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When you pocket Aeroplan points, you can redeem them towards tons of travel-related perks like flights, hotel stays, and car rentals.
Basically, they’re the perfect loyalty program travel currency that can be earned through everyday purchases, travel purchases and more. Some cards even allow you to transfer other loyalty program points to Aeroplan points.
To help you identify the best Aeroplan credit cards in Canada, we put together this extensive list that covers categories like the best co-branded Aeroplan cards, the best credit cards for Aeroplan point transfers, and the best no-fee Aeroplan credit cards.
You can also filter through Aeroplan credit cards (and all Canadian credit cards for that matter) using this tool.
Best Overall Aeroplan Credit Card
Welcome Bonus
Up to 45,000 Aeroplan® points
Rewards Rate
1x - 1.5x Aeroplan points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Pros
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
Rewards
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Medical Term
21 daysEmergency Medical (65+)
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Flight Delay
$500Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Hotel Burglary Insurance
$2500
Purchase Protection
90 days
Extended Warranty
1 year
Mobile Device Insurance
$1,000
Benefits
Details
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Free first checked bag
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Visa Infinite Exclusive Benefits
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Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
The best overall Aeroplan Credit Card comes from TD. The TD Aeroplan Visa Infinite Card is a well-rounded Aeroplan co-branded credit card that gives cardholders solid Aeroplan points on popular everyday categories like gas and groceries, plus Air Canada purchases.
This Aeroplan card also boasts valuable benefits like free first checked bags, a NEXUS Program rebate, and an expedited chance at earning Aeroplan Elite Status.
The coverage is also extensive, with protections like trip interruption and cancellation insurance, not to mention emergency medical over 65 coverage.
Another perk? You'll get all of these amazing offerings for a reasonable annual fee that can certainly be offset in annual value if you take advantage of all the add-ons.
Out of all the credit cards on this list, you'll find that the TD Aeroplan Visa Infinite Card blends great rewards, comprehensive coverage, and important benefits at good price point.
Best No-Fee Aeroplan Credit Cards
Oftentimes, the first thing many applicants look for are no annual fees. If you find yourself in this situation, we've got you covered in this no-fee Aeroplan credit card section.
APPLY NOW
on American Express' website
Welcome Bonus
Up to 10,000 points ($210 value)
Rewards Rate
1x point
Points
Annual Fee
$0
Interest Rates
21.99%* / 21.99%*
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Rewards
- 1x point per $1 spent on all purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in CanadaExtra points
2 points on Amex Travel Online purchases
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Lets start with the American Express Green Card. While this credit card isn't directly Aeroplan-affiliated, it still earns you a decent point per dollar spent rewards program on all purchases. Technically, the points you earn are American Express Membership Rewards points, but these points can be transferred at a 1:1 ratio to Aeroplan points.
You can top off these transferrable points with protections like extended warranty and purchase protection insurance, plus benefits like extra points on Amex Travel Online purchases and Amex Experiences.
For no annual fee, we must admit, you get a pretty good deal on Aeroplan-transferrable rewards and a couple of coverage categories and perks.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 10,000 Aeroplan® points
Rewards Rate
0.66x - 1x Aeroplan® points
Points
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
The CIBC Aeroplan Visa Card is an excellent no-fee option for Aeroplan members who want to earn miles without an annual fee. Its solid earn rates on essential categories like gas and groceries make it easy to accumulate points quickly. The card also offers Preferred Pricing on Aeroplan redemptions, giving cardholders more value when they book flights with Air Canada. For someone looking for an entry-level Aeroplan card, this is a strong choice, especially with its generous welcome bonus.
Pros
- No Annual Fee: Enjoy Aeroplan rewards with no cost to maintain the card.
- Solid Rewards on Key Categories: Earn 1 Aeroplan point per $1 on gas, groceries, EV charging, and Air Canada purchases.
- Preferred Pricing on Aeroplan Rewards: Get access to better redemption rates on Aeroplan flight rewards.
Cons
- Limited Reward Rate: Only earns 1 point per $1.50 on all other purchases, which is less competitive than some other no-fee cards.
- Best Value for Air Canada Flyers: Maximum redemption value is through Air Canada flights, which limits flexibility if you don’t frequently fly with Air Canada.
Rewards
- 1 Aeroplan® point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1.50 spent (0.66 point per $1) on all other purchases
Insurance
Coverage
Travel Accident
$100,000Purchase Protection
90 daysExtended Warranty
Up to 1 yearCar Rental Damage & Theft
Up to $65k car MSRP
Benefits
Details
Discount
Primary cardholders can often book flight rewards for even fewer pointsExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Eligibility
Credit Score
Very GoodAnnual Income
$15,000 household
While this no-fee card only grants you one Aeroplan point for every dollar spent on gas, electric vehicle charging, groceries, and Air Canada purchases, plus limited coverage and benefits, it’s still a great option if you’re more budget-conscious but still looking to collect points with Aeroplan.
Unlike the American Express Green Card, the CIBC Aeroplan Visa Card is directly linked to Aeroplan and adds car rental damage and theft and travel accident insurance to its coverage list on top of extended warranty and purchase protection insurance.
As for benefits, the CIBC Aeroplan Visa Card can earn you extra Aeroplan points on partnered brands and online retailers through the Aeroplan eStore, plus flight rewards for fewer points.
To apply for this card, you will need to meet a household income requirement (but it's very minimal), whereas with the American Express Green Card, there are no income requirements whatsoever.
You might opt for the CIBC Aeroplan Visa Card over the American Express Green Card if you prefer to collect Aeroplan points directly, if you want to avoid Amex's lower acceptance rate (typically within Europe), and if you want a couple more insurance coverages.
Best Aeroplan Credit Cards for Point Transfers
There are a few credit cards that aren't co-branded with Aeroplan, but still allow you to transfer points from their linked loyalty program to the Aeroplan loyalty program.
Our choice for: Overall Best Credit Card in Canada, great at earning points to be used for travelling
APPLY NOW
on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Rewards Rate
1x - 5x points
Points
Annual Fee
$155.88⁕
$12.99 Paid Monthly
⁕ For Quebec, $150/year
⁕ IMPORTANT NOTICE: Effective November 5, 2025, the monthly fee for non-Quebec residents will increase to $15.99 per month ($191.88 annually), and the annual fee for Quebec residents will increase to $191.88 per year.
Interest Rates
21.99%* / 21.99%*
This card was voted one of the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Pros
- Amex cobalt credit card Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome amex cobalt bonus points of up to 15,000
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Often referred to as the Best Credit Card in Canada
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Emergency Medical Term
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™.svg)
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
While this credit card isn’t directly earn you Aeroplan points, that doesn’t stop it from having an amazing 1:1 point transfer ratio to Air Canada Aeroplan, meaning you can convert every 1 American Express point to 1 Aeroplan point with the transfer.
This top-tier alternative to Aeroplan branded credit cards is the American Express Cobalt Card – which is also often considered to be the best credit card in Canada on account of its balanced rewards, perks, and coverage.
To earn Aeroplan transferable points with the Cobalt Card, you can collect American Express Membership Reward points on every dollar you spend on eligible eats and drinks in Canada, including groceries and food deliveries (capped each month). Likewise, you can earn points per dollar spent on eligible Canadian streaming subscriptions, gas, and transit.
Needless to say, these reward rates are some of the highest you’ll see and can be easily converted from American Express Membership Rewards points to Aeroplan points, allowing you to technically accumulate the most Aeroplan points on some top spending categories.
As mentioned, American Express Membership Rewards can be transferred at a 1:1 ratio to Aeroplan points. To make this transfer, you need to login to your Amex account and input the amount of American Express Membership Rewards points you’d like to transfer to Aeroplan. The minimum transfer amount is listed as 1000 points.
On top of the high earning potential, this card also offers good coverage and perks for a reasonable annual fee – all of which contribute to an impressive yearly value.
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 60,000 Membership Rewards® points
Rewards Rate
1x - 2x Points
Points
Annual Fee
$250
Interest Rates
21.99%* / 21.99%*
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
Pros
- Flexible Rewards: Enjoy flexible Membership Rewards point conversion with up to 2 points per $1 spent.
- Travel Perks: Includes $100 annual travel credit and 4 free passes to Plaza Premium lounges in Canada.
- Comprehensive Insurance: Comes with 11 types of insurance coverage.
- Multiple Redemption Options: Offers 4 ways to redeem points for maximum value.
Cons
- High Annual Fee: The card comes with a $250 annual fee.
- Foreign Transaction Fees: A 2.5% fee applies to foreign transactions.
- Limited Travel Insurance for Seniors: No travel medical insurance coverage for those over 65.
- Lower Acceptance: As an American Express card, it may have lower acceptance compared to Visa or Mastercard.
Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Medical Term
15 daysTrip Cancellation
$1,500 per person, $3,000 combinedTrip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$500,000Car Rental Damage & Theft
yesPurchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Travel Credit
$100Nexus Program Rebate
$50 statement credit every 4 years
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
Complimentary Hotel Benefits
Hotels booked American Express TravelStatus lift
Hertz Gold Plus Rewards® loyalty programAmerican Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Another Amex credit card that allows you to transfer American Express Membership Rewards to Aeroplan at a 1:1 ratio is the American Express Gold Rewards Card.
Starting with points, the American Express Gold Rewards Card offers points per dollar spent on gas, groceries, and drugstore purchases, plus points per dollar spent on travel. While the Cobalt Card doesn’t have a specialized category for travel or drugstore purchases, it does offer tons of points on dining, groceries and food delivery, plus solid points on streaming subscriptions, and similar points on gas with the addition of a transit category.
Compared to the Cobalt Card, the American Express Gold Rewards Card is a bit more expensive, but its higher annual cost accounts for more perks.
In terms of coverage, the American Express Gold Rewards Card adds some more valuable categories to the mix like valuable trip interruption and trip cancellation insurance. As for any shared pre-existing categories, the American Express Gold Rewards Card sometimes adds more value, specifically for travel accident insurance.
Both cards come with an annual travel credit and American Express Experiences, but the American Express Gold Rewards Card goes on to add perks like status lifts, a NEXUS Program rebate, complimentary hotel benefits, and an airport lounge pass along with some complimentary visits.
So, if you want more coverage and benefits to accompany your Aeroplan credit card, then the American Express Gold Rewards Card is a better fit – as long as you don’t mind paying a little extra for it. Alternatively, the Cobalt Card is better for points and is reasonably priced if you don’t need all the frills of the American Express Gold Rewards Card. The Cobalt Card also earns you much more in annual value overall.
Best Co-Branded Aeroplan Credit Cards
In all fairness, we also need to focus on co-branded Aeroplan Credit Cards. These cards earn Aeroplan points directly through their reward programs and are provided by institutions like CIBC, TD, and American Express.
To make this section a little easier to digest, we’ll devote a sub-category to each institution.
Best CIBC Co-Branded Aeroplan Credit Cards
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 85,000 Aeroplan® points
Rewards Rate
1.25x - 2x Aeroplan® points
Points
Annual Fee
$599
Interest Rates
20.99% / 22.99%□
The CIBC Aeroplan Visa Infinite Privilege Card is ideal for frequent Air Canada flyers who want to maximize their Aeroplan points and enjoy premium travel perks. With 2 points per $1 spent on Air Canada purchases and free checked baggage on every flight, this card offers significant value for those who travel often. Additionally, the extensive travel insurance and unlimited Maple Leaf lounge access make it a solid choice for high-income individuals looking for convenience and protection during their travels. However, the high annual fee and income requirements mean it's best suited for those who can take full advantage of its Air Canada-specific benefits.
Pros
- Earn up to 2 points per $1 on Air Canada purchases, and 1.5 points per $1 on gas, groceries, dining, and travel.
- Air Canada perks: Includes free checked bags, priority check-in, boarding, and Maple Leaf lounge access.
- Unlimited lounge access: Enjoy unlimited Maple Leaf lounge visits when flying Air Canada.
- Comprehensive insurance: Offers extensive travel and purchase protection, including trip cancellation and mobile device insurance.
Cons
- High annual fee: The card has a steep $599 annual fee.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
- Limited reward value: Best value is achieved only when redeeming for Air Canada flights, making it less versatile for non-Air Canada redemptions.
Rewards
- 2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
- 1.25 Aeroplan® point per $1 spent on all other purchases
Insurance
Coverage
Travel Accident
$500,000Emergency Medical Term
31 daysEmergency Medical (65+)
10 daysFlight Delay
$1,000Baggage Delay
$1,000Trip Cancellation
$2,500Trip Interruption
$5,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Purchase Protection
180 daysExtended Warranty
Up to 2 yearsCar Rental Damage & Theft
yesMobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Maple Leaf and AirCanada Cafes
Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offersStatus lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountStatus lift
Complimentary upgrade to Avis® President's Club
Companion Voucher
Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your card
Priority Travel
Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flightFree first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
Starting with the top CIBC Aeroplan point earner, the CIBC Aeroplan Visa Infinite Privilege Card earns cardholders Aeroplan points per dollar spent on Air Canada and Air Canada vacations, if the purchases are made within a specified spending cap each year. You’ll also earn points per dollar spent on gas, groceries, transit, and dining.
The travel insurance is also extensive, which is to be expected from a Visa Infinite Privilege Card. The card includes valuable coverage categories like emergency medical over 65, plus trip interruption and trip cancellation insurance.
As for benefits, you’ll also have a nice spread of travel perks. Everything from airport lounge access at select Maple Leaf Lounges and Air Canada Cafes to status lifts towards Aeroplan Elite Status and the Avis President’s Club, plus free first checked bags for you and 8 travel companions.
However, to get your hands on this premium Aeroplan card, you’ll need to earn a high personal and household annual income. You’ll also want to make sure you budget for the card’s rather large annual fee.
If you meet the above requirements, the CIBC Aeroplan Visa Infinite Privilege Card is ultimately a top-notch Aeroplan credit card for frequent travellers who want plenty of earning potential, coverage, and perks.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 50,000 Aeroplan® points
Rewards Rate
1x - 1.5x Aeroplan® points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%□
The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.
Pros
- Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
- High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
- Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
- Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.
Cons
- Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
- Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.
Rewards
- 1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1 spent on all other purchases
Insurance
Coverage
Travel Accident
$500,000Emergency Medical Term
15 daysEmergency Medical (65+)
3 daysFlight Delay
$500Baggage Delay
$500Trip Cancellation
$1,500Trip Interruption
$2,000Lost or Stolen Baggage
$500Hotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 yearCar Rental Damage & Theft
yesMobile Device Insurance
$1,000
Benefits
Details
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offersStatus lift
Reach Aeroplan Elite Status sooner: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your cardFree first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air CanadaDiscount
Primary cardholders can often book flight rewards for even fewer points
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
The next best CIBC Aeroplan point earner is the CIBC Aeroplan Visa Infinite Card. This Visa card allows you to collect decent points per dollar spent on eligible gas, electric vehicle charges, groceries, and Air Canada purchases. When compared to the CIBC Aeroplan Visa Infinite Privilege Card, the rewards on Air Canada purchases aren’t quite as high, but it matches the point rates on gas and groceries. That said, the CIBC Aeroplan Visa Infinite Card doesn’t include valuable earn categories like travel and dining (like the CIBC Aeroplan Visa Infinite Privilege Card).
When you compare the two CIBC cards’ coverage, they cover the same categories, but the CIBC Aeroplan Visa Infinite Privilege Card provides more value to most insurance types.
While the two cards share perks like Aeroplan status lifts, car rental discounts, and free first checked bags, the CIBC Aeroplan Visa Infinite Privilege Card has slightly more benefits than the CIBC Aeroplan Visa Infinite Card, including airport lounge access, priority check-in, and a companion voucher. Still, the CIBC Aeroplan Visa Infinite Card includes an extra discount on flights, and a free extra night at participating hotels when your stay is paid for by Aeroplan points.
Really, it makes sense that the CIBC Aeroplan Visa Infinite Privilege Card offers more overall than the CIBC Aeroplan Visa Infinite Card, because the CIBC Aeroplan Visa Infinite Privilege Card costs more money annually and requires a higher annual income. In contrast, the CIBC Aeroplan Visa Infinite Card is available for a fraction of the CIBC Aeroplan Visa Infinite Privilege Card’s annual fee, and this fee is also waived in the first year of membership.
So, if you can’t quite meet the income requirements of the CIBC Aeroplan Visa Infinite Privilege Card or pay it’s steep annual fee, the CIBC Aeroplan Visa Infinite Card is a great alternative that still earns you solid Aeroplan points on everyday and travel-oriented categories, extensive coverage, and helpful benefits.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 10,000 Aeroplan® points
Rewards Rate
0.66x - 1x Aeroplan® points
Points
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
The CIBC Aeroplan Visa Card is an excellent no-fee option for Aeroplan members who want to earn miles without an annual fee. Its solid earn rates on essential categories like gas and groceries make it easy to accumulate points quickly. The card also offers Preferred Pricing on Aeroplan redemptions, giving cardholders more value when they book flights with Air Canada. For someone looking for an entry-level Aeroplan card, this is a strong choice, especially with its generous welcome bonus.
Pros
- No Annual Fee: Enjoy Aeroplan rewards with no cost to maintain the card.
- Solid Rewards on Key Categories: Earn 1 Aeroplan point per $1 on gas, groceries, EV charging, and Air Canada purchases.
- Preferred Pricing on Aeroplan Rewards: Get access to better redemption rates on Aeroplan flight rewards.
Cons
- Limited Reward Rate: Only earns 1 point per $1.50 on all other purchases, which is less competitive than some other no-fee cards.
- Best Value for Air Canada Flyers: Maximum redemption value is through Air Canada flights, which limits flexibility if you don’t frequently fly with Air Canada.
Rewards
- 1 Aeroplan® point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1.50 spent (0.66 point per $1) on all other purchases
Insurance
Coverage
Travel Accident
$100,000Purchase Protection
90 daysExtended Warranty
Up to 1 yearCar Rental Damage & Theft
Up to $65k car MSRP
Benefits
Details
Discount
Primary cardholders can often book flight rewards for even fewer pointsExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Eligibility
Credit Score
Very GoodAnnual Income
$15,000 household
The final CIBC Aeroplan credit card in this category stands out because it has no annual fee and still earns you an Aeroplan point per dollar spent on eligible gas, electric vehicle charging, groceries, and Air Canada purchases. This card is none other than the CIBC Aeroplan Visa Card.
Since there’s no annual fee affiliated with the card, you will notice fewer coverage categories and benefits. For insurance, you’ll only be covered under travel accident, purchase protection, extended warranty, and car rental damage and theft protections. Regarding benefits, you’ll receive a discount on flight rewards and extra points on purchases made at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
At the end of the day, if you’re looking for an affordable card with low income requirements (especially when compared to both the CIBC Aeroplan Visa Infinite Privilege Card and the CIBC Aeroplan Visa Infinite Card), and you still want to earn some Aeroplan points on everyday and travel categories, then the CIBC Aeroplan Visa Card could be a good choice.
Best TD Co-Branded Aeroplan Credit Cards
Welcome Bonus
Up to 85,000 points (55,000 in 1st year)
Rewards Rate
1.25x - 2x Points
Points
Annual Fee
$599
Interest Rates
20.99% / 22.99%
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
- 1.25 Point on everything else
Insurance
Coverage
Emergency Medical Term
$5M/insured up to 31 daysEmergency Medical (65+)
$5M/insured up to 4 daysTrip Cancellation
$2.5K/person, $5K/tripTrip Interruption
$5K/person, $25K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 4 hoursLost or Stolen Baggage
$2.5K/personTravel Accident
$500,000Car Rental Damage & Theft
Up to 48 consecutive rental daysHotel Burglary Insurance
$2500Purchase Protection
120 daysExtended Warranty
2 yearsMobile Device Insurance
$1,500
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guestsNexus Program Rebate
$100 every 4 yearsVisa Infinite Exclusive Benefits
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip and legal Assistance
Extra points
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgradeStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.Priority Travel
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)Airport Lounge - Dragon Pass
6 Free complimentary visitsAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guestCompanion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
ExcellentAnnual Income
$150,000 personal or $200,000 household
Beginning again with the Aeroplan credit card that earns cardholders the most Aeroplan points in this particular category, the TD Aeroplan Visa Infinite Privilege Card could be your top contender.
Earn points per dollar spent on Air Canada purchases (including Air Canada Vacations), plus points on gas, groceries, travel, and dining.
Like other Visa Infinite Privilege Cards, the insurance coverage is comprehensive and includes sought-after categories like emergency medical over 65, trip cancellation, and trip interruption insurance.
On this particular card, the list of benefits is quite long, boasting perks like free first checked bags, a NEXUS Program rebate, airport lounge access, status lifts, and a companion voucher.
Of course, seeing as this is another premium card, the annual cost is high and so are the annual income requirements.
All in all, if you’re looking for a luxurious Aeroplan credit card with tons of travel perks, coverage, and rewards, but also some rewards to satisfy day-to-day spending, then the TD Aeroplan Visa Infinite Privilege Card could be the card for you.
Welcome Bonus
Up to 45,000 Aeroplan® points
Rewards Rate
1x - 1.5x Aeroplan points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Pros
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
Rewards
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Medical Term
21 daysEmergency Medical (65+)
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2500Purchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,000
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guestsNexus Program Rebate
$100 every 4 yearsVisa Infinite Exclusive Benefits
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip and legal Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
For a much lower annual fee, you can swap your TD Aeroplan Visa Infinite Privilege Card for the more affordable TD Aeroplan Visa Infinite Card.
With the TD Aeroplan Visa Infinite Card, you’ll earn the same Aeroplan points rate on gas and groceries, but the amount of points you earn on Air Canada purchases will be slightly lower than the TD Aeroplan Visa Infinite Privilege Card.
As you might’ve guessed, the TD Aeroplan Visa Infinite Privilege Card has more comprehensive coverage than the TD Aeroplan Visa Infinite Card as well as more benefits. That said, you can still get awesome status lifts, discounts, and free first checked bags with the TD Aeroplan Visa Infinite Card.
Whether you choose the TD Aeroplan Visa Infinite Card or the TD Aeroplan Visa Infinite Privilege Card will ultimately come down to how much you earn in a year and whether you’re willing to pay more for better coverage, more benefits, and slightly more Aeroplan points on Air Canada Travel.
Welcome Bonus
Up to 20,000 Aeroplan points
Rewards Rate
0.66x - 1.5x Aeroplan points
Points
Annual Fee
$89 $0
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Platinum Card* is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. With a first-year fee waiver, 20,000-point welcome bonus, and 12 types of insurance, it offers good value for occasional travelers. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
- Up to 20,000 Aeroplan Points welcome bonus.
- Earn 1 point per $1 on gas, groceries, and Air Canada purchases.
- Preferred Pricing on Aeroplan flight rewards.
- Includes 12 types of insurance for added travel protection.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
Rewards
- 1.5 Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 80,000 points annually)
- 0.66 Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesPurchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
There’s one more TD Aeroplan credit card worth mentioning in this category, the TD Aeroplan Visa Platinum Credit Card.
For the lowest annual fee of the three in this section, the TD Aeroplan Visa Platinum Credit Card earns you the same Aeroplan points per dollar spent on gas, groceries, and Air Canada purchases as the TD Aeroplan Visa Infinite Card, but it sports a lower-than-average base rate on all other eligible purchases.
With the TD Aeroplan Visa Platinum Credit Card, you’ll also lose out on nearly half of the insurance categories offered by the TD Aeroplan Visa Infinite Card, including valuable protections like emergency medical over 65 and trip interruption and trip cancellation insurance.
Unlike the TD Aeroplan Visa Infinite Card, the TD Aeroplan Visa Platinum Credit Card only offers a car rental discount, extra Aeroplan points at participating Starbucks stores, and double the Aeroplan points at partner brands and Aeroplan eStore retailers.
The good news about the TD Aeroplan Visa Platinum Credit Card is that it has no income requirements, as opposed to what we’ve seen with both the TD Aeroplan Visa Infinite Card and the TD Aeroplan Visa Infinite Privilege Card.
Therefore, you’ll probably pick the TD Aeroplan Visa Platinum Credit Card over the other two in this category if you’re looking for the most budget-friendly TD co-branded Aeroplan credit card.
Best American Express Co-Branded Aeroplan Credit Cards
Our choice for: Best premium card for Air Canada frequent travellers
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on American Express' website
Welcome Bonus
Earn up to 85,000 Aeroplan points
Rewards Rate
1.25x - 3x Aeroplan® points
Points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but I don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.
Pros
- Generous rewards rate with up to 3 Aeroplan points per $1 spent on purchases, particularly beneficial for frequent flyers.
- Enjoy free checked bags when flying with Air Canada, reducing travel costs.
- Access to preferred pricing on Aeroplan flight awards, maximizing the value of your points.
- Unlimited access to Maple Leaf lounges when flying with Air Canada, providing a more comfortable travel experience.
- Extensive insurance coverage, including 11 types of insurance, offering peace of mind during your travels.
Cons
- As an American Express card, it may have limited acceptance compared to other credit cards, potentially limiting its use in some places.
- The most valuable rewards are generally tied to Air Canada flights, which may not appeal to travelers who fly with other airlines.
- The card comes with a high annual fee of $599, which may be a consideration for budget-conscious users.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- 3x Aeroplan® points per $1 spent on eligible Air Canada® and Air Canada Vacations® purchases
- 2x Aeroplan® points per $1 spent on eligible dining & food delivery purchases
- 1.25x Aeroplan® points per $1 spent on all other purchases
Insurance
Coverage
Emergency Medical Term
$5M/insured up to 15 daysTrip Cancellation
$1.5K/person, $3K/tripTrip Interruption
$1.5K/person, $6K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 6 hoursLost or Stolen Baggage
$1KTravel Accident
$500,000Car Rental Damage & Theft
$85K Up to 48 consecutive rental daysHotel Burglary Insurance
$1000Purchase Protection
90 daysExtended Warranty
1 years
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guestsNexus Program Rebate
$100 every 4 yearsAmex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and moreExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guestCompanion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your cardFree Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
American Express offers its own share of Aeroplan-affiliated credit cards. The first one we’ll look at is the American Express Aeroplan Reserve Card.
This card earns cardholders Aeroplan points per dollar spent on eligible Air Canada and Air Canada Vacations purchases, followed by Aeroplan points per dollar spent on eligible dining and food delivery purchases. It also has a higher-than-usual base rate on all other purchases.
With the American Express Aeroplan Reserve Card, you’ll pair competitive Aeroplan rewards with comprehensive insurance categories, including trip interruption and trip cancellation insurance.
Cardholders will also gain several benefits, like free first checked bags, a NEXUS Program rebate, status lifts, priority travel perks, airport lounge passes and access, the companion voucher, and a free extra night on eligible hotel stays.
Thankfully, there are no income requirements to apply for this card, but you’ll need to be willing to pay a high annual fee.
If you’re looking for an Amex credit card that earns you Aeroplan points directly, the American Express Aeroplan Reserve Card will get you the most Aeroplan points under this institution, plus some great coverage and benefits.
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on American Express' website
Welcome Bonus
Up to 40,000 Aeroplan® Points (30,000 in 1st year)
Rewards Rate
1x - 2x Aeroplan® points
Points
Annual Fee
$120
Interest Rates
30% Annual* / 30% Annual*
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.
- If you are interested in a higher Aeroplan Status, the card helps you get there faster.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
Rewards
- 2x Aeroplan® points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
- 1.5x Aeroplan® points on eligible Dining and Food Delivery purchases in Canada
- 1x Aeroplan® point on everything else
Insurance
Coverage
Flight Delay
$500 (Aggregated with Baggage Delay)Baggage Delay
$500 (Aggregated with Flight Delay)Hotel Burglary Insurance
$500Travel Accident
$500,000Car Rental Damage & Theft
$85K, up to 48 daysPurchase Protection
90 days, $1,000 per occurrenceExtended Warranty
1 year
Benefits
Details
Free first checked bag
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flightsStatus lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountFree Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan pointsAmex Experiences™
Amex Experiences™: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own homeExtra points
Earn points twice at over 150 Aeroplan partner brands
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Compared to the American Express Aeroplan Reserve Card, the American Express Aeroplan Card is cheaper and less elaborate.
You’ll earn slightly less points per dollar on Air Canada purchases, plus fewer points on dining and food delivery purchases – but that’s to be expected with a less valuable card.
Similarly, your insurance coverage won’t be as comprehensive or extensive, offering 7 coverages instead of 11.
Like the American Express Aeroplan Reserve Card, the American Express Aeroplan Card offers members an expedited Aeroplan Elite Status lift, free first checked bags, extra points at Aeroplan partners, a free extra night on eligible hotel stays, and the standard Amex Experiences.
The clear distinction between the two cards is a correlation between annual fee and overall perks. So, if you meet the high income requirements and don’t mind spending more for more coverage, rewards, and perks, then the American Express Aeroplan Reserve Card is superior to the American Express Aeroplan Card. Otherwise, if you don’t meet the high income requirements or you don’t want to spend more for perks you don’t necessarily need, then the American Express Aeroplan Card will do just fine.
Frequently Asked Questions
Do Aeroplan points expire?
Eventually, Aeroplan points can expire after 18 months of account inactivity. If you are an active Aeroplan cardholder, your points will not expire.
Which Aeroplan credit cards come with lounge access?
The Aeroplan-affiliated credit cards that come with lounge access are:
- TD Aeroplan Visa Infinite Privilege Card (unlimited access to Maple Leaf lounges and some complimentary access to the Visa Airport Companion Program)
- CIBC Aeroplan Visa Infinite Privilege Card (select access to Maple Leaf lounges and some complimentary access to the Visa Airport Companion Program)
- American Express Aeroplan Reserve Card (unlimited access to Maple Leaf Lounges)
The following Aeroplan transferable credit card also has lounge access:
- American Express Gold Rewards Card (some complimentary access to Plaza Premium lounges)
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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