The Aeroplan program is widely popular among frequent Canadian travellers due to its very advantageous point system. It gives you the possibility to earn points as you use your card on everyday purchases (groceries, gas, and all other purchases). You can, then, exchange your points toward your next trip (flight tickets, hotel stays, car rental, merchandise…) and other Air Canada benefits. Regardless of your lifestyle, you will find the perfect Aeroplan credit card for you. We have gathered the 10 best Aeroplan credit cards using our credit card comparator tool.

 

Best for low budget travellers

CIBC Aeroplan Visa Card

The CIBC Aeroplan Visa card is a no-fee travel credit card that allows you to earn points with your everyday purchases made with the card. You can earn one point for every $1 you spend on gas, groceries, and with Air Canada, and one point for every $1.50 you spend on all other purchases. You can also earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 10,000 Aeroplan points on your first purchase. That’s enough for a one-way economy class short-haul ticket in North America (Toronto-New York).

An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 30,000 Aeroplan points. You can redeem those points for some flights. For example, one round-trip economy long-haul ticket in North America (25,000 worth points) or one-round trip economy class short-haul ticket in North America (worth 12,000). You can redeem your points anytime you want, they will never expire.

The CIBC Aeroplan Visa has no annual fee and an interest rate of 19.99% for purchases and 22.99% for cash advances. Any additional CIBC Aeroplan Visa (up to 3) is free. The requirement to apply for this credit card is a minimum annual income required to apply for this credit card is $15,000 for a household, and to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes car rental collision/loss damage insurance, purchase security and extended protection insurance, and common carrier accident insurance. A student version of this card is also available with a minimum credit limit of $1,000, and no minimum income required.

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For the middle-class travellers

TD Aeroplan Visa Infinite

The TD Aeroplan Visa Infinite card lets you earn Aeroplan points upon every purchase made with your card. You can earn 1.5 points for every $1 spent on eligible gas, grocery and Air Canada purchases and earn 1 point for every $1 spent on all other purchases. You can also earn points twice when you pay at over 150 Aeroplan partner brands and more than 170 online retailers via Aeroplan eStore. You can, then, redeem your points for flights, hotel rooms, car rentals, or merchandise and gift certificates. A special offer is available now, where you can earn 10,000 Aeroplan points and a Bonus Buddy Pass, plus no annual fee during your first year.

An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 40,000 points in your first year. You could, then, redeem two round trips in economy class for a short-haul flight in North America (Toronto-New York). You can redeem your points any time you want, they will never expire.

Some other benefits of being a card member are the Air Canada travel benefits of saving on baggage fees, the complimentary Visa Infinite Concierge, the exclusive luxury hotel collection, the access to gourmet events, tickets to curated events, and so much more. The TD Aeroplan Visa Infinite has an annual fee of $139 with an interest rate on purchases and cash advances of 20.99%. All additional TD Aeroplan Visa Infinite credit cards have a fee of $75 each. The required annual income to apply for this credit card is a $60,000 personal or $100,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more.

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CIBC Aeroplan Visa Infinite

The CIBC Aeroplan Visa Infinite credit card helps get closer to your dream vacation with rewards and enhanced travel benefits. This card lets you earn 1.5 points for every $1 spent on groceries, gas and Air Canada purchases and earn 1 point on all other purchases. You can also earn points twice when you pay at over 150 Aeroplan partner brands and more than 170 online retailers via Aeroplan eStore. A special offer is available now, where you receive no annual fee in your first year. You can earn 10,000 Aeroplan points on your first purchase. You can get a one-time Bonus Companion Pass/Buddy Pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months, you also receive a free first checked bag every time you fly with Air Canada.

An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 40,000 Aeroplan points. You can redeem those points for some flights. Some options include one round trip premium economy class ticket to the Caribbean (worth 40,000 Aeroplan points), one round trip economy class short-haul ticket in North America (12,000 worth Aeroplan points), one round-trip economy class long-haul ticket in North America (25,000 worth Aeroplan points), and finally one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth Aeroplan points). You can redeem your points anytime you want, they will never expire.

The CIBC Aeroplan Visa Infinite has an annual fee of $139 with an interest rate of 19.99% on purchases and 22.99% on cash advances. All additional CIBC Aeroplan Visa Infinite credit cards have a fee of $50 each per year. The required annual income to apply for this credit card is $60,000 personal or $100,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel insurance, which includes out-of-province emergency travel medical insurance, trip cancellation/interruption insurance, flight delay and baggage insurance, hotel burglary insurance, and more.

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American Express Aeroplan Card

The American Express Aeroplan card lets you earn Aeroplan points as you spend using your card. You can earn twice the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 1.5 times the points on eligible dining and food delivery in Canada, and once the points on everything else. A welcome offer is available now. You can earn up to 15,000 welcome bonus Aeroplan points and a bonus Buddy Pass. Spend $1,500 on an eligible round-trip in North America within your first three months and earn 9,000 Aeroplan points. Finally, you can also earn 1,000 Aeroplan points for each monthly billing period in which you spend $500 during the first 6 months of card membership. You can use your Aeroplan points toward flights (more than 1300 destinations available through airline partners), book flight rewards for even fewer points with preferred pricing, or finally redeem for hotel stays, vacation packages, merchandise and more.

This card comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events. The American Express Aeroplan card also comes with travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, Purchase protection plan and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.

The American Aeroplan credit card comes with an annual fee of $120. If you want an additional Aeroplan card, it will cost $50 or $0 for each Additional Aeroplan No Fee card. As a Charge Card, the balance must always be paid in full each month or a 30% annual interest rate will be applied. To apply for this credit card you have to be a Canadian resident and have a Canadian credit file, and at the age of majority in the province, you are currently living.

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TD Aéroplan Visa Platinum

The TD Aeroplan Visa Platinum lets you redeem Aeroplan points earned on everyday purchases for your future trips. You can earn one point for every $1 spent on Air Canada purchases, gas, groceries, earn one point for every $1.50 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 10,000 Aeroplan points, plus your first year with no annual fee. You can redeem your Aeroplan points for flight tickets, merchandise, experiences, and gift certificates. An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 30,000 points in your first year. You could, then, redeem two round-trip economy classes short-haul tickets in North America (Toronto-New York). Redeem your points any time you want, they will never expire.

This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more. The TD Aeroplan Visa Platinum has an annual fee of $89 with an interest rate on purchases and cash advances of 20.99%. All additional TD Aeroplan Visa Infinite credit cards have a fee of $35 each. The required annual income to apply for this credit card is to be a Canadian resident and of the age of majority in your province/territory of residence. This card has a minimum credit limit of $1,500.

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For the high-income travellers

CIBC Aeroplan Visa Infinite Privilege

The CIBC Aeroplan Visa Infinite Privilege elevates your trip with premium travel benefits and rewards. You can earn 2 points for every $1 spent with Air Canada, 1.5 points for every $1 spent on gas, groceries, travel and dining and 1.25 points for every $1 spent on all other purchases. You can also earn twice the points when you pay at over 150 Aeroplan partners and more than 170 online retailers via Aeroplan eStore. A special offer is available now, where you can earn 20,000 Aeroplan points on your first purchase. You can get a one-time bonus companion pass/buddy pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months. You also get select Maple Leaf lounges and Air Canada Cafes, plus six complimentary priority pass lounge visits per year. Cardholders can receive an annual Worldwide Companion Pass from $99 to a max of $599 when you spend $25,000 on your card.

An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on gas and groceries, $500 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 65,000 Aeroplan points. You can redeem those points for some flights. For example, one round trip business ticket within North America (worth 50,000), 1 round-trip economy long-haul tickets in North America (25,000 worth points), one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth Aeroplan points), or finally one round trip premium economy class ticket to the Caribbean (worth 40,000 Aeroplan points). You can redeem your points anytime you want, they will never expire.

The CIBC Aeroplan Visa Infinite Privilege has an annual fee of $599 with an interest rate of 19.99% for purchases and 22.99% for cash advances. For any additional CIBC Aeroplan Visa Infinite Privilege, the fee is $149 annually. The minimum annual income required to apply for this credit card is $150,000 for an individual or $200,000 for a household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes out-of-province emergency trip cancellation/interruption insurance, flight delay and baggage insurance, hotel burglary insurance, car rental collision/loss damage insurance, and more.

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TD Aéroplan Visa Infinite Privilege

The TD Aeroplan Visa Infinite Privilege credit card lets you redeem travel points as you spend. You can earn two points for every $1 spent on Air Canada purchases, 1.5 points for every $1 spent on gas, groceries, travel, and dining, and earn 1.25 points for every $1 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 50,000 points plus a Bonus Buddy Pass to bring anyone along to anywhere Air Canada flies in North America, Hawaii, and Mexico. Make your first purchase with the card and you will receive 20,000 welcome bonus Aeroplan points.

An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you will accumulate 83,000 points in your first year. You could, then, redeem one-way economy class tickets to Singapore (Toronto-Singapore). Redeem your points any time you want, they will never expire. Some other benefits of being a card member are the Air Canada travel benefits (priority check-in and boarding, priority baggage handling…), the complimentary Visa Infinite Concierge, the exclusive luxury hotel collection, the access to gourmet events, tickets to curated events, and so much more.

This card also comes with travel insurance including, travel medical insurance, trip cancellation/interruption, flight insurance, delay/loss baggage insurance, and more. The TD Aeroplan Visa Infinite has an annual fee of $599 with an interest rate on purchases and cash advances of 20.99%. All additional TD Aeroplan Visa Infinite credit cards have a fee of $199 each. The required annual income to apply for this credit card is $200,000 household, and you have to be a Canadian resident and of the age of majority in your province/territory of residence. This card has a minimum credit limit of $10,000.

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American Express Aeroplan Reserve Card

The American Express Aeroplan Reserve allows you to travel with enhanced and exclusive benefits offered by American Express. You can earn 3 points for every $1 spent on Air Canada purchases (this is the highest out of all of the Aeroplan payment cards), earn 2 points for every $1 spent on eligible dining and food delivery in Canada, and finally earn 1 point for every $1 on everything else. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 65,000 welcome bonus Aeroplan points and a statement credit of $100 after spending $3,000 in purchases in the first 3 months. This card has an annual fee of $599 with an annual interest rate of 19.99% on purchases and 21.99% on cash advances. Pay $199 for each additional Aeroplan Reserve card or $0 for each additional Aeroplan Reserve No Fee card. You can redeem your points for flights, but also hotel stays, car rentals, vacation package, merchandise and more.

Some of the key benefits are access to selected Air Canada Maple Leaf Lounges, as well as priority boarding and check-in. You can receive one annual worldwide companion pass when you spend $25,000 in net purchase before your card anniversary date. Enjoy the Pearson Priority Security Lane when you are at the Toronto Pearson International Airport during peak operation time. Get complimentary valet service at the Express Park and Daily Park at TPIA. This card also comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events. Enjoy travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, purchase protection plan and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.

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For the business travellers

CIBC Aeroplan Visa Business Card

The CIBC Aeroplan Visa Business card lets you manage your business expenses all while earning points and airport experiences. You can earn two points for every $1 spent with Air Canada, 1.5 points for every $1 spent on shipping, the internet, cable, phone services, travel, and dining, and you can finally earn one point for every $1 spent on all other purchases. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 10,000 Aeroplan points on your first purchase with a first-year annual fee rebate. You can also receive a one-time bonus companion pass/buddy pass anywhere Air Canada flies in North America when you spend $3,000 or more during your first four months. You can enjoy a free first checked bag for you every time you fly with Air Canada and relax at up to four complimentary Maple Leaf lounges Once Guest Passes per year.

An Aeroplan points calculator is available on the CIBC website, where you can easily approximate the number of points you can earn during your first year. For example, if you pay $500 per month on shipping, the internet, cable and phone services, $500 on dining and travel, $1,000 on Air Canada purchases, and $1,000 on all other purchases, you will then earn 64,000 Aeroplan points. You can redeem those points for some flights. For example, one round-trip business class ticket within North America (worth 50,000 points), one round-trip economy long-haul ticket in North America (25,000 worth points) or one-round trip economy class short-haul ticket in North America (12,000 worth points), one round-trip economy class ticket to Hawaii from anywhere in North America (35,000 worth points), or finally one round trip premium economy class ticket to the Caribbean (40,000 worth points). You can redeem your points anytime you want, they will never expire. The CIBC Aeroplan Visa Business card has an annual fee of $180 with an interest rate of 12.99% for purchases and 14.50% on cash advances. The annual fee for any additional CIBC Aeroplan Visa Business card is $50 (for up to 9). The requirement to apply for this credit card is an annual minimum income of $35,000 and to be a Canadian resident and of age of majority in your province/territory of residence. This card also comes with some travel and purchase insurance, which includes car rental collision/loss damage insurance, purchase security and extended protection insurance, common carrier accident insurance, trip cancellation/interruption insurance, and flight delay and baggage insurance.

A “Business Plus” version of this card is also available, which has a $120 annual fee and an interest rate of 19.99% for purchase and 22.99% on cash advances. Your credit approval is based on your business.

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American Express Aeroplan Business Reserve Card

The American Express Aeroplan Business Reserve card allows you to travel and enjoy all the exclusive benefits offered by American Express while managing your business expenses. You can earn 3 points for every $1 spent on Air Canada purchases (this is the highest out of all of the Aeroplan payment cards), earn 2 points for every $1 spent on eligible hotels and car rentals, and finally earn 1 point for every $1 on everything else. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. A special offer is available now, where you can earn 65,000 welcome bonus Aeroplan points and a statement credit of $100 after spending $3,000 in purchases in the first 3 months.

This card has an annual fee of $599 with an annual interest rate of 16.99% on purchases and 21.99% on cash advances. Pay $199 for each additional Aeroplan Reserve card or $0 for each additional Aeroplan Reserve No Fee card. You can redeem your points for flights, but also hotel stays, car rentals, vacation package, merchandise and more. Some of the key benefits are access to selected Air Canada Maple Leaf Lounges, as well as priority boarding and check-in. You can receive one annual worldwide companion pass when you spend $25,000 in net purchase before your card anniversary date. Enjoy the Pearson Priority Security Lane when you are at the Toronto Pearson International Airport during peak operation time. Get complimentary valet service at the Express Park and Daily Park at TPIA. This card also comes with exclusive benefits including Amex Offers which gives you discounts and offers (shopping, dining, and travel), Amex Front of the Line which lets you have access to presale tickets to some of the most in-demand events. Enjoy travel and shopping-related insurance coverage including travel emergency assistance, flight delay insurance, delayed and baggage insurance, $500,000 travel accident insurance, hotel/motel burglary insurance, purchase protection plan, employees card misuse protection and more. Just like every American Express credit card, it provides you with 24/7 customer service, emergency card replacement, fraud protection guarantees, and you can manage your account online.

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This article was compiled by Hardbacon, which has designed a credit card comparator listing hundreds of Canadian credit cards. Hardbacon also helps you save on savings accounts, chequing accounts, online brokers, robo-advisors, life insurance, mortgages and personal loans. If you want to go one step further and take control of your finances, you should download Hardbacon’s mobile app, which links to your bank and investing accounts, helps you plan for your financial goals, create a budget and invest better.