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4 Best Aeroplan Credit Cards of November 2025 in Canada
Published Nov 17, 2025 11:55 PM
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Credit Card ExpertIf 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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TD Aeroplan® Visa Infinite* Card: Best Overall Aeroplan Card
TD® Aeroplan® Visa Platinum* Card: Best low fee Aeroplan Card
CIBC Aeroplan® Visa* Card: Best No fee Aeroplan Card
American Express® Aeroplan®* Reserve Card: Best for luxury travelers
Our choice for: Best Overall Aeroplan Card
APPLY NOW
on TD's website
Welcome Bonus
Up to $1,450 in value† including up to 45,000 Aeroplan points†
Annual Fee
$139 $0
Interest Rates
21.99% / 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 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.
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
- 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 big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
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†
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 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
*†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best low fee Aeroplan Card
APPLY NOW
on TD's website
Welcome Bonus
Up to $400 in value†, including up to 15,000 Aeroplan points†
Annual Fee
$89 $0
Interest Rates
21.99% / 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. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
- Preferred Pricing on Aeroplan flight rewards.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
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
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†
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 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
*†Terms and conditions apply. Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best No fee Aeroplan Card
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 10,000 Aeroplan® 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
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
APPLY NOW
on American Express' website
Welcome Bonus
Earn up to 85,000 Aeroplan® 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
Travel Medical Insurance
$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
$1KCommon Carrier Travel Accident Insurance
$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 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
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 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
**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.
From our editors: The full list of Best Aeroplan Credit Cards in Canada For 2025
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.
How we picked these cards
Multiple factors were considered when selecting the best Aeroplan credit cards. 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 redemeptions 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.
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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Credit Card Expert
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