4 Best Aeroplan Credit Cards of October 2026 in Canada
Published Oct 16, 2026 3:45 PM • 5 min read
If you enjoy traveling with Air Canada, Aeroplan credit cards are an excellent travel credit card option. Their points can be redeemed for Air Canada flights, and many cards offer exclusive travel benefits such as a free checked bag, priority check-in, and more.
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Best Aeroplan Credit Cards in Canada
Our choice for: Best Overall Aeroplan Card
on TD's website
Welcome Bonus
Up to $1,550 in value† including up to 50,000 Aeroplan points† and a first-year Annual Fee rebate.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.5/5
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 rebate, 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.
Awards & Recognition
Best Aeroplan Credit Card
2026
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Rewards
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
- Earn 1 point† for every $1 spent on all other Purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Insurance
Coverage
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
Flight Delay†
$500Baggage Delay†
$1,000
Lost or Stolen Baggage†
$1,000
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500
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†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 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
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best low fee Aeroplan Card
on TD's website
Welcome Bonus
Up to $500 in value†, including up to 20,000 Aeroplan points†
Annual Fee
$89 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
3.6/5
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. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
- Preferred Aeroplan flight pricing
- First-year fee rebate
- Decent insurance
- Car rental discounts
- Generous intro offer
Cons
- Lower reward rates
- Limited redemption value
Rewards
- Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
- Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Insurance
Coverage
Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesPurchase Protection†
90 daysExtended Warranty†
Up to 1 year
Benefits
Details
Extra points†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 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
Our choice for: Best No fee Aeroplan Card
on CIBC's website
Welcome Bonus
Up to 10,000 Aeroplan® points
Annual Fee
$0
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
3.7/5
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
- Solid Rewards
- Aeroplan flight preferred pricing
Cons
- Low reward rate
- Limited non-loyalty value
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
Common Carrier Travel Accident Insurance
$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
Our choice for: Best for luxury travelers
Welcome Bonus
Earn up to 85,000 Aeroplan points.
Annual Fee
See Rates
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
4.7/5
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 we 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
- Free checked bags
- Preferred flight pricing
- Unlimited airport lounge access
- Extensive coverage
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Limited loyalty rewards
- High annual fee
- Limited lounge brand access
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
Travel Medical Insurance (64 & under)
15 daysTrip Cancellation
$1,500/person, $3,000/tripTrip Interruption
$1,500/person, $6,000/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1,000/person after 6 hoursLost or Stolen Baggage
$1,000Common Carrier Travel Accident Insurance
$500,000Car Rental Damage & Theft
48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
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 years
Amex 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
Complimentary upgrade to Avis® President's ClubStatus lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travelsStatus 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 guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free 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
From our editors: The full list of Best Aeroplan Credit Cards in Canada
Best overall: TD Aeroplan Visa Infinite Card
The TD Aeroplan Visa Infinite Card stands out as the best overall Aeroplan credit card thanks to its strong everyday earning rates on gas, groceries, and Air Canada purchases, along with a valuable suite of travel perks. Cardholders benefit from free first checked bags, a NEXUS fee rebate, and a faster path to Aeroplan Elite Status, plus extensive insurance coverage—including trip cancellation, trip interruption, and emergency medical insurance for those over 65. With a reasonable annual fee that can easily be outweighed by the card’s rewards and benefits, this TD card delivers an excellent balance of earning power, protection, and travel value. There are some cards from other banks similar to this, but the TD has a slight edge with it's better benefits. This card also has one of the best welcome bonuses in Canada. Learn more at TD Aeroplan Visa Infinite Card review.
Read More: Best Free Checked Bag Credit Cards in Canada
Best low fee: TD Aeroplan Visa Platinum Card
The TD Aeroplan Visa Platinum Credit Card is the most affordable option in TD’s Aeroplan lineup, offering the same accelerated earn rates on gas, groceries, and Air Canada purchases as the Visa Infinite—but with a lower base earn rate on everything else. Its lower annual fee and no income requirements come with trade-offs, including far fewer insurance benefits and the loss of major protections like emergency medical over 65 and trip interruption or cancellation insurance. Still, it offers useful perks like a car rental discount, extra points at Starbucks, and double points at Aeroplan partners, making it a solid budget-friendly Aeroplan choice. Learn more at TD Aeroplan Visa Platinum Card review.
Best no fee: CIBC Aeroplan Visa Card
The CIBC Aeroplan Visa Card is a strong no-fee choice for budget-minded travelers who still want to earn Aeroplan points directly. It earns one point per dollar on gas, EV charging, groceries, and Air Canada purchases, and offers more insurance than the Amex Green Card, including car rental damage and theft and travel accident coverage. You can also earn extra points through Aeroplan partners and the eStore, and redeem flights for fewer points. While it has a small household income requirement, it’s a great fit if you want direct Aeroplan earning, wider acceptance than Amex, and a bit more protection. Learn more at CIBC Aeroplan Visa Card review.
Best for luxury: American Express Aeroplan Reserve Card
The American Express Aeroplan Reserve Card is Amex’s top Aeroplan-earning option, combining strong rewards with premium travel benefits and comprehensive insurance. Cardholders earn elevated Aeroplan points on Air Canada and Air Canada Vacations purchases, solid rates on dining and food delivery, and a higher-than-average base rate on everything else. The card also includes valuable perks like free first checked bags, a NEXUS fee rebate, priority travel benefits, lounge access, status lifts, a companion voucher, and even a free extra hotel night on eligible stays. With no income requirements but a high annual fee, it’s the best Amex choice for those who want to earn Aeroplan points directly while enjoying an extensive suite of protections and premium travel perks. Read more at American Express Aeroplan Reserve Card review.
Aeroplan credit card comparison: fees, earn rates and welcome bonuses
Here is how our four picks compare on annual fee, Aeroplan earn rates, and welcome bonuses. Aeroplan is Air Canada’s loyalty program, so these are the Air Canada credit cards we recommend for travellers who want to earn points on direct Air Canada purchases. The TD Aeroplan Visa Infinite, TD Aeroplan Visa Platinum and CIBC Aeroplan Visa cards run on the Visa network, while the American Express Aeroplan Reserve Card runs on the Amex network. The CIBC Aeroplan Visa Card is the only pick with no annual fee.
$150 cash offer
American Express
4.7
Annual Fee
$139
$0 first year
$89
$0 first year
$0
$599
Interest Rates
Purchase
21.99%
Cash advance
22.99%
21.99%
Purchase
21.99%
Cash advance
22.99%
21.99%
Purchase
20.99%
Cash advance
22.99%
21.99%
Balance transfer
22.99%
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Welcome Bonus
Up to $1,550 in value† including up to 50,000 Aeroplan points† and a first-year Annual Fee rebate.
Up to $500 in value†, including up to 20,000 Aeroplan points†
Up to 10,000 Aeroplan® points
Earn up to 85,000 Aeroplan points.
Rewards
$1,444.53
First year rewards
$707.64
First year rewards
$517.64
First year rewards
1.25x - 3x
Finly Offer
Exclusive cash back
—
—
—
on TD's website
on TD's website
on American Express' website
Apply with Confidence — won't impact your credit score
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
Welcome bonuses require minimum spending and offers can change, so check the issuer’s current terms before you apply.
How we picked these cards
Multiple factors were considered when selecting the best credit cards in Canada for Aeroplan fans. Annual fees, reward rates, signup bonuses, and Air Canada specific travel benefits were all evaluated. The card that offered the highest overall value relative to its cost was chosen as the top recommendation.
How can Aeroplan points be redeemed?
Redeeming TD Aeroplan rewards is most valuable when you use your points for Air Canada and Aeroplan flights, which consistently offer the highest cent per point value. To understand exactly how much value you are getting from any redemption, you simply divide the cash cost of the flight or product by the number of points required, then multiply by 100 to find the precise value in cents per point. Flights usually deliver the strongest returns, followed by other travel related options such as hotel stays, car rentals, and vacation packages.
Aeroplan also allows points to be redeemed for merchandise and gift cards, although these categories generally offer lower value and are best used only when travel redemptions are not practical. There are occasional exceptions, such as certain Air Canada gift cards or specific products that provide a surprisingly good point to value ratio, but overall, travel remains the best way to maximize TD Aeroplan rewards. Frequent Air Canada travelers benefit the most, since Aeroplan points can be earned and redeemed across the Air Canada ecosystem for the greatest overall value.
Learn more about the redemptions at Aeroplan Points Value Calculator tool.
Frequently Asked Questions
Eventually, Aeroplan points can expire after 18 months of account inactivity. If you are an active Aeroplan cardholder, your points will not expire.
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)
Aeroplan Elite Status is Air Canada’s recognition program for travellers who fly frequently. There are five levels of status: 25K, 35K, 50K, 75K and Super Elite 100K. Each level adds more valuable travel benefits, such as easier upgrades, smoother airport experiences and access to premium services.
You earn Elite Status based on your annual flying activity with Air Canada and its partners. Progress is tracked in three ways:
- Status Qualifying Miles (SQM)
Earned based on how far you travel. - Status Qualifying Segments (SQS)
Earned for each flight segment you complete. - Status Qualifying Dollars (SQD)
Earned based on the amount you spend on eligible Air Canada fares.
To qualify for a given tier, you must reach the required SQM or SQS amount and meet the SQD requirement. For example, 25K status requires 25,000 SQM or 25 SQS and 3,000 SQD.
Each tier unlocks additional benefits.
• 25K opens the door to priority check in, zone 2 boarding and a starter set of eUpgrade credits.
• 35K adds extra eUpgrades and provides access to select Maple Leaf Lounges on domestic itineraries.
• 50K introduces Star Alliance Gold status, international lounge access and priority baggage handling.
• 75K offers even more eUpgrades, higher priority for upgrades and higher baggage allowances.
• Super Elite 100K provides the highest priority for upgrades and rewards, better customer service support and the most generous set of travel perks.
Some Aeroplan credit cards can help you reach status more easily. When you reach certain annual spending levels, you receive an extra 1,000 SQM and one SQS. The spending requirement is 5,000 dollars on Premium cards and 10,000 dollars on Core cards.
Aeroplan credit cards from TD, CIBC and American Express earn Aeroplan points directly on your purchases. You can see our top four picks listed above.
The CIBC Aeroplan Visa Card is our pick for the best no-fee Aeroplan credit card.
The American Express Aeroplan Reserve Card has the largest welcome bonus of our four picks. Offers can change, so check the issuer’s current terms before you apply.
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Sara Skodak
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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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