Best Aeroplan credit cards in Canada

Our extensive Aeroplan credit card guide will help you choose the best Aeroplan card for your lifestyle and travel plans, and let your everyday spending get you closer to your next trip sooner.

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The best Aeroplan credit cards can get you flying fast. Here are our picks to earn the most points with every purchase.

What's the best Aeroplan credit card for value and annual fee? Which Aeroplan card is best suited to your specific needs? Below is a quick comparison of the sign-up bonus, annual fee, point accumulation and travel insurance offered by some of the best Aeroplan credit cards currently on the market.

Some on our list below aren't even Aeroplan-branded credit cards. We've included American Express credit cards that allow you to transfer your Amex Membership Rewards points to Aeroplan at a 1:1 ratio. This gives you significant flexibility to book through Aeroplan or Amex at your own discretion. 

Top 3 best Aeroplan credit cards in Canada

TD® Aeroplan® Visa Infinite* Card

Apply Now

Up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†.

$139 Annual Fee

Excellent Recommended Credit Score

$60,000 Required Annual Personal Income

American Express® Aeroplan®* Card

Apply Now

Earn up to 30,000 Welcome Bonus Aeroplan®* points

$120 Annual Fee

Good Recommended Credit Score

$0 Required Annual Personal Income

CIBC Aeroplan® Visa* Card

Apply Now

Join and get up to $200 in value in your first year!† Earn 10,000 Aeroplan points!†

$0 Annual Fee

Fair Recommended Credit Score

  • Why you can trust Money.ca's best Aeroplan credit card picks

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    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology. We used this methodology to review over 125 cards to compile our best credit cards in Canada awards list.

Best Aeroplan in Canada

Best Aeroplan credit card in Canada, overall

up to $1,300

Welcome Bonus

$436

First Year Value

$0

Annual Value

Welcome Bonus: Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply.

Learn More Apply Now On TD's Secure Site
  • Why we picked it

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    Up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†.

    On a typical day, you can earn 1.5 Aeroplan points† on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)† made with your card, and 1 Aeroplan point per $1 spent on all other eligible purchases.

    Points can be redeemed for flight seats with no blackouts or restrictions, as well as car rentals and hotel rooms, merchandise, experiences, or gift certificates. Cardholders can earn more Aeroplan points when the card is used at partner brands: Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†.

    Additional perks: First checked bag free for cardholder and companions (up to eight, when travel originates on an Air Canada flight)†, travel medical insurance†, trip cancellation/interruption insurance†, flight/trip delay insurance†, emergency travel assistance† and more.

    Minimum income $60,000personal or $100,000 household.

    This offer is not available for residents of Quebec. For Quebec residents, please click here.  

    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. Sponsored Content.

    †Terms and conditions apply.

Best for Aeroplan points

Best non-Aeroplan credit card for earning Aeroplan points

up to 15,000 points

Welcome Bonus

$679.02

First Year Value

$529.02

Annual Value

Welcome Bonus: Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*

Learn More Apply Now On American Express' Secure Site
  • Why we picked it

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    Accelerated earn rates: 5 points per $1 spent at eligible stand-alone grocery stores, on food delivery services, and at restaurants, coffee shops and bars (up to $2,500); 3 points per $1 spent on eligible streaming services; and 2 points per $1 spent at eligible stand-alone gas stations, on travel (flights, rail transit, hotels, etc.), and on local commuter transit (subway, taxis, ridesharing services, etc.)

    Membership Rewards points earned by the Amex Cobalt card can be transferred to Aeroplan 1:1. And given that the Cobalt earns a massive 5x points on eligible dining and groceries in Canada(spend cap applies), it is indirectly one of the fastest-earning Aeroplan cards on the market. New cardholders can also nab a bundle of bonus points in their first year—Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*.

    The only significant drawback for the American Express Cobalt® Card is that, as an Amex, it isn’t accepted by as many merchants as Visa or Mastercard are. Before applying for the Cobalt it’s smart to review which merchants take Amex. If the grocery stores, gas stations, and eateries that you frequent aren’t on the list, you might consider applying for a Visa Aeroplan card instead.

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.

Best welcome offer

Best Aeroplan credit card promotion

30k Aeroplan®* pts

Welcome Bonus

$842

First Year Value

$0

Annual Value

Welcome Bonus: 30,000 Aeroplan®* points* after spending $3,000 on your Card within the first 3 months as a new Cardmember.*

Learn More Apply Now On American Express' Secure Site
  • Why we picked it

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    New American Express® Aeroplan®* Cardmembers can earn an impressive haul of Aeroplan points: Earn up to 30,000 Welcome Bonus Aeroplan®* points. Conditions apply.

    While it's not the "largest Aeroplan welcome bonus" it has the best welcome bonus relative to its annual fee.

    With the American Express® Aeroplan® standard earn rates, you’ll earn 2x Aeroplan points on eligible Air Canada®* and Air Canada Vacations®* purchases, 1.5x Aeroplan points on eligible dining and food delivery purchases in Canada and 1x Aeroplan point on all other purchases..

    Additional perks: Free checked bag (for up to nine people traveling together); status upgrades; flight/baggage delay, hotel burglary, and travel accident insurance

    Charge card: As a charge card there is no pre-set spending limit, however, cardholders must pay off their balance in full each month or risk a hefty interest charge

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.


     

Best Aeroplan rewards

Best Aeroplan credit card for rewards

up to 100k pts

Welcome Bonus

$931

First Year Value

$231

Annual Value

Welcome Bonus: Earn 70,000 Membership Rewards® points* after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember.*

Learn More Apply Now On American Express' Secure Site
  • Why we picked it

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    With the best Aeroplan credit card welcome bonus of up to 100k pts (transferable to Aeroplan 1:1) and no minimum income requirement, you can start flying almost immediately.

    Earn 70,000 Membership Rewards® points after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember. That’s $700 towards your next flight.

    Plus, earn 30,000 points* when you make a purchase between 14 and 17 months of Cardmembership.* That’s $300 towards dinner out with friends.

    *Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.

    While the $799 annual fee may be steep, it's softened by the .

    Add to that unlimited airport lounge access, you've got some great rewards for a non-Aeroplan Aeroplan credit card.

    The Platinum Card® does come with some great perks that may make up for it if you’re a frequent traveller. Some of these incentives include exclusive discounts and other complimentary perks including: premium status at the Toronto Pearson Airport granting security bypass and valet services; plus the earn rates granting the ability to earn 2X points on dining and food delivery purchases in Canada and 2X points on travel from eligible flights, hotels, tours and morel.

    Plus, with The Platinum Card®, you can take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. With 10 different types of travel insurance coverage and annual credits at some of Canada’s best restaurants, this might be the best Aeroplan bonus card on the market.

    Finally, cardholders will earn 1X point on everything else. You can also earn bonus points whenever Amex approves a friend that you referred to the card and spend these points at a wide array of partner programs like Marriott International, Hilton Hotels and Resorts®, Hertz®, and Avis®.

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.

Best sign up bonus

Best Aeroplan credit card sign up bonus

up to 85k pts

Welcome Bonus

$3,011

First Year Value

$411

Annual Value

Welcome Bonus: Earn 60,000 Aeroplan®* points* after spending $7,500 on your Card within the first 3 months as a new Cardmember.*

Learn More Apply Now On American Express' Secure Site
  • Why we picked it

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    Earn up to 85,000 Welcome Bonus Aeroplan®* points

    Earn 60,000 Aeroplan®* points* after spending $7,500 on your Card within the first 3 months as a new Cardmember.*

    Plus, earn 25,000 Aeroplan®* points* when you spend $2,500 in month 13.*

    *Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.

    Cardholders will earn the highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*,

    Standard Earn Rate: Earn 2x the points on eligible dining and food delivery purchases in Canada and 1.25x the points on everything else. Plus, you can double dip when you shop with Aeroplan partners and the card also includes a bunch of travel perks and benefits including Air Canada®* Travel benefits and comprehensive travel insurance.

    Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling, including your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.

    Enjoy access to select Air Canada Maple Leaf Lounges* and Air Canada Café in North American for you and a guest, with same day ticket on a departing Air Canada or Star Alliance flight. .

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.

Best no fee Aeroplan

Best Aeroplan credit card no annual fee

earn 10,000 pts

Welcome Bonus

$460

First Year Value

$360

Annual Value

Welcome Bonus: 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*

Learn More Apply Now On American Express' Secure Site
  • Why we picked it

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    The American Express® Green Card is one of the few no annual fee credit cards that can earn a high number of Aeroplan points for everyday spending—though technically it’s not an Aeroplan credit card per se. It earns 1x the points on Card purchases; those points can then be converted to Aeroplan 1:1.

    Amex of course isn’t as widely accepted by retailers as, say, Visa. But since the American Express® Green Card has no annual fee, it’s relatively risk free to apply for it and test it out for a while to find out how often the card is accepted where you shop rather than turned down.

    Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.

Best CIBC Aeroplan

Best Aeroplan card from CIBC

up to 70k pts

Welcome Bonus

$1,953

First Year Value

$753

Annual Value

Welcome Bonus: Get a total of up to 70,000 Aeroplan® points (up to $1,400 in travel value†)

Learn More Apply Now On CIBC's Secure Site
  • Why we picked it

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    If you're with Aeroplan, you want the most bang for your buck and the 60,000 welcome points is pretty sweet to get you kickstarted.

    This CIBC Aeroplan Visa comes stacked with free first checked bag, so you 're not moving items from one suitcase to the other in the middle of the airport.

    After security (Get a NEXUS(TM) Application Fee rebate: a $100 value†), you can enjoy Maple Leaf Lounges access (a $550 value) and because you're a worldwide traveller, don't restrict your lounge privileges to only Canada, this card also gives you 6 complimentary passes to over 1,200+ lounges globally.

The information for the CIBC Aeroplan® Visa Infinite Privilege* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

Best Aeroplan Visa or MC

Best Aeroplan cards by network

Aeroplan Visa

There is currently one Aeroplan Visa card that really stands out in Canada: the TD® Aeroplan® Visa Infinite* Card, primarily due to a strong sign-up bonus. Note that these Aeroplan Visa credit cards offer the possibility to “earn points twice” with Aeroplan partners†, making it easy to get more points fast.

Aeroplan Mastercard

At this time, there is no Aeroplan Mastercard on the market. Should this change,we will update its users as to any available options.

Choosing the right card

Choosing the best Aeroplan credit card bonus

With so many great Aeroplan cards on the market, you may have trouble choosing the best card for you. Here are three things to consider when comparing Aeroplan credit card rewards bonuses.

1. Size of the bonus: A big bonus can seriously defray a card’s annual fee. The Platinum Card’s sign-up bonus, when transferred to Aeroplan, can potentially be enough for a roundtrip flight from Vancouver to Dubai, well worth the card’s steep price tag in the first year.

2. Annual fee waiver/rebate: If the sign-up bonus doesn’t outweigh the annual fee, look for a card that offers a first-year annual fee waiver or rebate. With no annual fee in the first year, the issuer is begging you to try out their card risk free. The best part is that at the end of the year, you can decide whether or not to cancel your card, but the Aeroplan points will remain yours.

3. Transferability: Many Canadians only look at Aeroplan branded credit cards and miss out on other rewards cards that exchange points with Aeroplan 1:1. We love those hybrid cards because they give cardholders the flexibility to take advantage of other huge sign-up bonuses, sometimes 25,000 points or more, and then transfer those points to an Aeroplan account free.

Maximizing your points

Make the most out of your Aeroplan cards

We can breakdown the costs, perks, and requirements of these Aeroplan credit cards, but ultimately, you should choose the one that best meets your lifestyle and income. Each of these cards offers great benefits, and it’s up to you to decide which will give you the best bonus.

So why choose an Aeroplan card? Aeroplan has multiple credit card partners, making it easy to earn Aeroplan points. Then, when you are ready, you can use your Aeroplan points to book flights with Air Canada and Star Alliance members. Alternatively, you can use your points to redeem merchandise or gift cards. Learn more from the Aeroplan section in our Canadian loyalty rewards program comparison or Compare travel loyalty programs from Aeroplan vs. Air Miles vs. Avion

Summary of cards

Best Aeroplan credit cards in Canada at a glance: Full list

To help with your decision, here is a summary of the different card options and issuers for Aeroplan Canada.

Aeroplan credit card Annual fee Get started
TD® Aeroplan® Visa Infinite* Card
Annual fee: $139 (Additional cardholder is $75† ; Get an annual fee rebate for the first year†)

Welcome bonus: Up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†.
Apply now
American Express Cobalt® Card Annual fee: $155.88 ($$12.99/month)

Welcome bonus: Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
Apply now
American Express® Aeroplan®* Card Annual fee: $120

Welcome bonus: Earn up to 30,000 Welcome Bonus Aeroplan®* points
Apply now
The Platinum Card® by American Express Annual fee: $799

Welcome bonus: Earn up to 100,000 Membership Rewards® points* – that’s up to $1,000 in value.
Apply now
American Express® Aeroplan®* Reserve Card Annual fee: $599

Welcome bonus: Earn up to 85,000 Welcome Bonus Aeroplan®* points*
Apply now
American Express® Green Card Annual fee: $0

Welcome bonus: 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Apply now
CIBC Aeroplan Visa Infinite Privilege Annual fee: $599

Welcome bonus: Get a total of up to 70,000 Aeroplan® points (up to $1,400 in travel value†)
Get started

Terms and conditions apply. TD® Aeroplan® Visa Infinite* Card annual fee rebate: To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.

As you will notice in the above chart, the TD® Aeroplan® Visa Infinite* Card may not necessarily offer the top Aeroplan sign-up bonus in Canada; regular American Express cards might offer great deals in terms of sign-up bonuses after you convert your Amex Membership Rewards points to Aeroplan points. That being said, it’s up to you to determine the best Aeroplan credit card for your needs and lifestyle. 

Aeroplan credit card FAQs

  • Is it worth getting an Aeroplan credit card?

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    Whether an Aeroplan credit card is worth it depends on your spending habits and travel goals. If you frequently fly with Air Canada or its partners and can take advantage of the rewards, benefits like free checked bags, and airport lounge access, it can offer good value and enhance your travel experience.

  • What's the fastest way to get 100k Aeroplan points?

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    The fastest way to earn 100k Aeroplan points is through credit card sign-up bonuses and strategic spending. Opt for a credit card with a high welcome bonus, meet the minimum spending requirement, and use the card for daily purchases, especially in categories that earn bonus points, to accumulate points quickly.

  • How much is 50,000 Aeroplan points worth?

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    The value of 50,000 Aeroplan points varies depending on how they're redeemed but is roughly estimated between $750 to $1,000 when used for flights or upgrades within Air Canada's network. Maximizing value often involves booking long-haul flights or business class upgrades.

  • How much is 100,000 Aeroplan points worth?

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    The value of 100,000 Aeroplan points can range between $1,500 to $2,000, depending on redemption choices. Utilizing points for long-haul or business class flights often yields the highest value, whereas other redemption options like merchandise or gift cards might offer less value per point.

  • Does Aeroplan 25k get lounge access?

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    Aeroplan 25K status does not automatically provide lounge access. It offers benefits such as priority check-in and boarding, but lounge access requires a higher status level or holding a qualifying Aeroplan credit card that includes lounge access as a benefit.

Contact American Express for the most up-to-date referral bonus figures.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.


 


Hannah Logan Freelance Contributor

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

Tyler Wade Personal finance content strategist & writer

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

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