The 7 Best Aeroplan Credit Cards in Canada

An isometric illustration showcasing an airline credit card, designed to provide convenient and rewarding travel benefits.
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    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 Aeroplan credit card on everyday purchases (groceries, gas, and all other purchases). You can, then, exchange your points towards your next trip (flight tickets, hotel stays, car rental, merchandise, etc.) and other Air Canada benefits. Regardless of your lifestyle, you will find the perfect Aeroplan credit card for you. We have gathered the best Aeroplan credit cards in Canada using our credit card comparison tool.

    Why choose an Aeroplan credit card?

    Aeroplan issues some of the best credit cards in Canada. They offer undeniable relevance for frequent travellers and airline rewards enthusiasts. The points you earn can be used to book flights to many destinations around the world, giving you great flexibility in your travel plans.

    Aeroplan is Air Canada’s loyalty program, but it also offers flexible travel options. With Aeroplan credit cards, you can use the points you earn to book flights not only with Air Canada, but also with many other partner airlines. Aeroplan’s network of airline partners includes United Airlines, Lufthansa, Singapore Airlines, Turkish Airlines and many others.

    In addition, Aeroplan credit cards often offer attractive welcome bonuses, enabling cardholders to quickly earn a considerable number of points as soon as they sign up. Some cards also offer additional benefits, such as airport lounge access, travel insurance and upgrade privileges.

    Got close ones who also love travelling? Aeroplan Family Sharing is a way for up to 8 people to pool their Aeroplan points and use them collectively or individually. You don’t have to be related to or share an address with the other members of your Aeroplan “family”. This makes Aeroplan Family Sharing a great way to travel with family and friends, and speeds up the process of earning travel rewards.

    In short, Aeroplan credit cards are relevant for those who love to travel and want to maximize their rewards. They offer generous welcome bonuses and additional travel benefits. In our list, you’ll see that some big banks are in strong competition with each other. The best TD credit cards can be found here, alongside interesting offers from CIBC and American Express. If you’re a regular traveler, having an Aeroplan credit card can certainly help you save money on future trips.

    TD® Aeroplan® Visa Infinite*: Best for Earning Points Quickly

    [Offer productType=”CreditCard” api_id=”631783e23fb86e5793a23a43″ id=”201507″]

    The TD® Aeroplan® Visa Infinite card earns Aeroplan points on 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 with your card and provide your Aeroplan number at over 150 Aeroplan partner brands and more than 170+ online retailers via Aeroplan eStore. You can, then, redeem your points for flights, hotel rooms, car rentals, or merchandise and gift certificates.

    An Aeroplan points calculator is available on the TD website, where you can easily approximate the number of points you can earn during your first year. You can redeem your points any time you want, they never expire. For example, if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases, you could accumulate over 100,000 points in your first year when you include the bonuses.

    Some other benefits of being a cardholder of the TD Aeroplan® Visa® Infinite are the Air Canada travel benefits of saving on baggage fees, the complimentary Visa Infinite Concierge service, the exclusive luxury hotel collection, access to gourmet food 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. For those travelling to the U.S., this card entitles you to a discount on NEXUS membership fees every 48 months.

    EligibilityDescription
    Credit Score (estimated)660
    Annual Income$60,000 personal or
    $100,000 household
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.

    †Terms and conditions apply. 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 any TD product, please click the Apply Now button.

    TD® Aeroplan® Visa Platinum*: Best for Low Annual Fees

    [Offer productType=”CreditCard” api_id=”64d29326c036007448102dec” id=”194645″]

    The TD® Aeroplan® Visa Platinum lets you redeem Aeroplan points earned on everyday purchases for future trips. You can earn 1 point for every $1 spent on Air Canada purchases, gas, groceries, and earn 1 point for every $1.50 spent on all other purchases. You earn twice the points when you pay with your card and provide your Aeroplan number at Aeroplan partners or through the Aeroplan eStore.

    The Aeroplan points calculator available on the TD website predicts an accumulation of 40,000 points in your first year including the welcome bonus if you spend $1,000 on gas, groceries, and Air Canada purchases per month, and $1,000 on all other purchases. 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.

    The TD® Aeroplan® Visa Platinum also comes with travel insurance including flight/trip delay insurance, delay/loss baggage insurance, and more.

    EligibilityDescription
    Credit Score (estimated)660
    Annual IncomeNone
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.

    †Terms and conditions apply. 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 any TD product, please click the Apply Now button.

    TD® Aeroplan® Visa* Infinite Privilege*: Best to Let Yourself be Spoiled

    [Offer productType=”CreditCard” api_id=”5faebd6ecee9031232939393″]

    The TD® Aeroplan® Visa Infinite Privilege lets you earn travel points as you spend. You can earn 2 points for every $1 spent on Air Canada purchases, 1.5 point for every $1 spent on gas, groceries, travel, and dining, and earn 1.25 point for every $1 spent on all other purchases. Like the other TD cards, you earn twice the points when you pay with your card and provide your Aeroplan number at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore.

    Redeem your points whenever you like, they’ll never expire. With approximately 150,000 points, which won’t be too hard to accumulate thanks to the welcome offer, you could book a round-trip business class flight from Vancouver to Tokyo. Other benefits of card membership include Air Canada travel benefits (priority check-in and boarding, priority baggage handling), complimentary Visa Infinite concierge, exclusive collection of luxury hotels, access to gourmet events, tickets to events, and much more.

    The TD® Aeroplan® Visa Infinite Privilege card also comes with travel insurance including travel medical, trip cancellation/interruption, theft and baggage delay/loss. Among the many features of this card are exclusive benefits at Billy Bishop Toronto Airport, Vancouver Airport, Ottawa Airport and Montréal-Trudeau International Airport. At these four airports, you benefit from rapid passage through international and national security checkpoints. In Vancouver, you can get priority limousine and cab service, as well as reserved parking spaces (in Ottawa too). At the Ottawa, Vancouver and Montréal-Trudeau airports, you’ll also get a discount of up to 20% on parking.

    EligibilityDescription
    Credit Score (estimated)725
    Annual Income$150,000 personal or
    $200,000 household
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.
    Minimum credit limit of $10,000.

    †Terms and conditions apply. 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 any TD product, please click the Apply Now button.

    CIBC Aeroplan Visa Card: Best for Students

    Annual Fee: None

    Interest Rate: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents)

    The CIBC Aeroplan Visa card for students 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.

    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 for students has no annual fee and any additional CIBC Aeroplan Visa (up to 3) is free. 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.

    EligibilityDescription
    Credit Score (estimated)600
    Annual IncomeNone
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.
    Minimum credit limit of $1,000.

    American Express Aeroplan Card: Best for Flexibility

    [Offer productType=”CreditCard” api_id=”60dd1b25125e5019eaa05c6c” id=”146104″]

    The American Express Aeroplan earns Aeroplan points as you spend using your card. You can earn 2x 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. As with other Aeroplan cards, you can double your points at Aeroplan partners and online retailers.

    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 absence of pre-established spending limits on purchases gives you greater financial flexibility. However, no pre-set spending limit does not mean unlimited purchasing power. That would be too good to be true! Your purchases are authorized based on factors such as your credit history, account history and personal resources.

    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. You also get a free checked bag for you and eight other people.

    EligibilityDescription
    Credit Score (estimated)700
    Annual IncomeNone
    OtherBe a Canadian resident, have a Canadian credit file, and have reached the age of majority in your province or territory.

    CIBC Aeroplan Visa Infinite Privilege: Best for High-Spenders

    Annual Fee: $599

    Interest Rate: 20.99% on purchases, 22.99% on cash advances (21.99% for Quebec residents)

    The CIBC Aeroplan Visa Infinite Privilege elevates your trip with premium travel benefits and rewards. You can earn 2 points for every $1 spent with Air Canada, 1.5 points for every $1 spent on gas, groceries, travel and dining and 1.25 points for every $1 spent on all other purchases. You can also earn twice the points when you pay at over 150 Aeroplan partners and more than 170 online retailers via Aeroplan eStore. This makes it one of the most advantageous cards in terms of points accumulation. However, to cover the annual fee, you need to use it a lot.

    You 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. Finally, free first baggage check-in, check-in, boarding and priority baggage handling are available to you, your authorized users and up to eight companions every time you travel with Air Canada.

    These incredible advantages explain why the CIBC Aeroplan Visa Infinite Privilege has an annual fee of $599. 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.

    EligibilityDescription
    Credit Score (estimated)725
    Annual Income$150,000 personal or
    $200,000 household
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.

    CIBC Aeroplan Visa Business Card: Best for Businesses

    Annual Fee: $180

    Interest Rate: as low as 12.99% on purchases, as low as 14.50% on cash advances

    The CIBC Aeroplan Visa Business card lets you manage your business expenses all while earning points and airport experiences. You earn 2 Aeroplan points for every $1 you spend on Air Canada, 1.5 points for every $1 you spend on travel, such as airlines, hotels, car rentals, cruise lines, travel agencies or tour operators, buses or bus lines, as well as 1.5 points for Internet, cable, telephone services, transportation and food services, and 1 point for every $1 you spend on all other purchases.

    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. Earn twice the points when you shop at over 150 Aeroplan partners and over 170+ online retailers through the Aeroplan eStore. 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.

    If you notice a suspicious transaction, you can contact CIBC quickly by submitting a digital dispute. Log in to Online Banking or Mobile Banking, then select the transaction you don’t recognize. Then select “Report an issue” and follow the instructions to submit your dispute.

    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, go from Toronto to Los Angeles with one round-trip business class ticket.

    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. A “Business Plus” version of this card is also available, which has a $120 annual fee. Your credit approval is based on your business.

    EligibilityDescription
    Credit Score (estimated)660
    Annual Income$35,000 per person
    OtherBe a Canadian resident and have reached the age of majority in your province or territory.

    FAQs on Aeroplan credit cards

    What is the best Aeroplan credit card in Canada?

    The TD Visa Infinite Aeroplan card is a top choice! Its benefits range from extensive insurance coverage to privileges and perks, which will make your travel very comfortable.

    How to link an Aeroplan credit card to my Aeroplan account?

    If you do not yet have an Aeroplan account, please create one. Then go to your credit card provider’s website to link your account. Take note of your Aeroplan account number.

    Can I have two Aeroplan credit cards?

    It’s allowed, but it’s not the best way to earn points. To collect points faster, try Aeroplan Family Sharing.

    Are Aeroplan credit cards worth it?

    Aeroplan credit cards are rarely free. They’re worth it if you like to travel a lot. Be sure to read the description of each card’s benefits before ordering one.

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    Meagen Seatter is a freelance journalist for Hardbacon. She's been using credit cards to travel-hack her way around the world since 2019. In addition to freelance work, she writes for Investing News Network, a global publication reporting on the latest investment news, developments, and trends. She studies online at Athabasca University and currently resides in Vancouver, British Columbia.