Search
  1. Home
  2. Credit cards
  3. 13 Best Aeroplan Credit Cards in Canada for 2022
Published May 12, 2022

13 Best Aeroplan Credit Cards in Canada for 2022

The best Aeroplan credit cards in Canada earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 1.69 cents per point.

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Aeroplan is Air Canada’s loyalty program. Joining Aeroplan is free and there are a handful of ways to earn points, but the easiest way is to sign up for one of the best Aeroplan credit cards.

With one of these travel cards, every purchase earns Aeroplan points, worth 1.69 cents per point on average, according to NerdWallet valuations. Plus, these cards will reward your loyalty with special perks and benefits that will make your next trip even more enjoyable.

 

Best Aeroplan credit cards in Canada

Best overall Aeroplan card

American Express® Aeroplan® Reserve Card

  • Annual Fee
    $599
  • Interest Rates
    19.99% / 21.99%
  • Rewards Rate
    1.25x-3x Points
  • Intro Offer
    Up to 85,000 Points
  • Our Take
    Why we like it

    Comprehensive travel insurance, Air Canada benefits, impressive earn rates and unlimited rewards make the American Express Aeroplan Reserve Card a strong choice for frequent travellers.

    Pros
    • Strong earn rates with unlimited rewards.
    • Air Canada airport benefits, like Maple Leaf Lounge access, a free checked bag, Priority Airport Check-In, Priority Boarding for you and up to eight travel companions.


    Cons
    • A high $599 annual fee.
    • The highest earn rate only applies to Air Canada travel purchases, so this card might not be a good fit if you prefer another airline.
  • Product Details
    • New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:
    • Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first 3 months of Cardmembership.
    • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.
    • New Cardmembers: Earn up to $2,700 in value within your first year. Spend applies to bonus point offers valued at up to $1,700.
    • Eligible cardmembers get a FREE Uber Pass membership for 12 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks.
    • New Cardmembers: Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card.
    • Standard Earn Rate: 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.
    • Earn 2X the points on eligible purchases with Rocky Mountaineer®**. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your Aeroplan Reserve Card.
    • Standard Earn Rate: Earn 1.25X the points on everything else.
    • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
    • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
    • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
    • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
    • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
    • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more.
    • Get more from your travel experience at Toronto Pearson International Airport with:
    • Access to Pearson Priority Security Lane.
    • Complimentary valet service at the Express Park and Daily Park.
    • 15% discount on parking rates at the Express Park and Daily Park.
    • 15% discount on Car Care Services.
    • Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
    • 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. Conditions apply.

Best charge card to earn Aeroplan points

The Platinum Card® from American Express

  • Annual Fee
    $699
  • Interest Rates
    Varies
  • Rewards Rate
    1x-3x Points
  • Intro Offer
    Up to 80,000 Points
  • Our Take
    Why we like it

    This precision-cut and engraved metal Platinum Card boasts a generous intro offer, strong earn rates on rewards, and an impressive array of premium benefits and perks.

    Pros
    • From special reservations to insider tips, you can enhance your travel experiences with complimentary, personalized service from Platinum Concierge — available 24/7.
    • Benefit from a full suite of Platinum-level travel perks, such as worldwide airport lounge access, the Global Dining Collection, and more.


    Cons
    • Unless you plan to travel a lot, it may be difficult to offset the high $699 annual fee.
    • No travel medical coverage for cardmembers over the age of 65.
  • Product Details
    • Unlock special experiences with the Platinum® Card.
    • Earn up to 80,000 Membership Rewards® points - that’s up to $800 in statement credits that can be used towards extra leg room on your next flight, or a weekend away at the spa charged to your Card.
    • New Platinum® Cardmembers, earn 60,000 Welcome Bonus points after you charge $6,000 in net purchases to your Card in your first 3 months of Cardmembership.
    • Plus, earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership
    • Earn 3 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
    • You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service.
    • Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1200 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.
    • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
    • Transfer points 1:1 to several frequent flyer and other loyalty programs.
    • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels + Resorts.
    • Platinum Cardmembers can enjoy access to special events and unique opportunities.
    • Enjoy premium benefits at the Toronto Pearson Airport such as discount on parking.
    • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Radisson Hotel Group Americas, Hertz and Avis.
    • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.
    • 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. Conditions apply.

Second-best charge card to earn Aeroplan points

American Express® Aeroplan®* Card

  • Annual Fee
    $120
  • Interest Rates
    Charge Card
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 50,000 Points
  • Our Take
    Why we like it

    The American Express Aeroplan Card can help you rack up points at an impressive clip, especially if you make regular use of food delivery apps. No pre-set spending limit means freedom and flexibility — just remember to pay down that balance every month.

    Pros
    • Relatively low annual fee.
    • Plenty of opportunities to score double points.


    Cons
    • As a charge card, unpaid balances are subject to a 30% annual interest rate.
    • Perks may not be enough to scratch the “premium” itch for those used to other luxury cards.
  • Product Details
    • New American Express® Aeroplan®* Cardmembers can earn up to 50,000 Aeroplan points:
    • Earn 20,000 Aeroplan points after spending $1,500 in net purchases on your Card within the first 3 months of Cardmembership.
    • Plus, earn 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 30,000 Aeroplan points.
    • New Cardmembers: Earn up to $1,100 in value within your first year. Spend applies to bonus point offers valued at up to $1,000.
    • Eligible cardmembers get a FREE Uber Pass membership for 6 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks.
    • Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*.
    • Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada.
    • Standard Earn Rate: Earn 1X the points on everything else.
    • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.
    • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card.
    • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing.
    • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home.
    • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance.
    • 24/7 Customer Service and Emergency Card Replacement.
    • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic.
    • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month.*
    • *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. Conditions apply.

Best for Amex Membership Rewards point transfers

American Express® Gold Rewards Card

  • Annual Fee
    $250
  • Interest Rates
    20.99% / 21.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    Up to 50,000 Points
  • Our Take
    Why we like it

    The American Express Gold Rewards Card should get the attention of travellers looking for comfort and flexibility. Points can be used for an impressive array of items and can be transferred to other rewards programs. The new rose gold design is an eye-catcher, too.

    Pros
    • Travel in comfort: room and rental car upgrades, access to airport lounges and credits for hotel amenities like dining and spa treatments.
    • The 50,000-point intro offer, when transferred to Aeroplan, is enough for a trip from Vancouver to Brisbane, Australia — or another one-way economy flight between the North America and Pacific zones, up to 7,500 miles.


    Cons
    • Travellers 65 or older won’t be covered by the card’s emergency medical insurance.
    • If you travel often, you could burn through your four complimentary visits to Plaza Premium Lounges fairly quickly.
  • Product Details
    • Earn up to 50,000 Membership Rewards® points - that’s $500 in statement credits towards your next flight or dinner out with friends that has been charged to the Card.
    • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 40,000 points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership.
    • Plus, earn an additional 10,000 points when you make a purchase between 14 and 17 months of Cardmembership.
    • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
    • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
    • The Card is now available in your choice of Gold or Rose Gold metal options.
    • Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
    • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
    • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
    • Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
    • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
    • Transfer points 1:1 to several frequent flyer and other loyalty programs.
    • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
    • Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
    • American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
    • To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Second-best for Amex Membership Rewards point transfers

American Express Cobalt® Card

  • Annual Fee
    $155.88
  • Interest Rates
    20.99% / 21.99%
  • Rewards Rate
    1x-5x Points
  • Intro Offer
    Up to 30,000 Points
  • Our Take
    Why we like it

    The American Express Cobalt Card boasts high rewards rates on everyday spending, a generous welcome bonus, comprehensive travel insurance coverage, flexible point redemption and plenty of specialty perks to keep things interesting all year long.

    Pros
    • Earn 150,000 points in the first year by spending up to $30,000 on eats, drinks and groceries. Combined with the 30,000 point intro offer, you could earn 180,000 points in your first year, which you could redeem for travel and more.
    • Easily transfer the points you earn to popular airline and hotel loyalty programs, such as Aeroplan and Marriott Bonvoy.


    Cons
    • Airport lounge access isn’t provided, which may disappoint some frequent travellers.
    • No travel medical coverage for cardmembers over the age of 65.
  • Product Details
    • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.
    • 30,000 points is enough for:
    • $300 in statement credits redeemed towards purchases charged to your Card or
    • $225 in American Express® Prepaid Cards.
    • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery.
    • Earn 3x the points on eligible streaming subscriptions in Canada.
    • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B.
    • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases.
    • Transfer points 1:1 to several frequent flyer and other loyalty programs.
    • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events.
    • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences.
    • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply.

Best TD Bank Aeroplan card

TD® Aeroplan® Visa Infinite Privilege Card

  • Annual Fee
    $599
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1.25x-2x Points
  • Intro Offer
    105,000 Points
  • Our Take
    Why we like it

    The TD Aeroplan Visa Infinite Privilege Card comes with strong travel insurance and perks, plus healthy earn rates on everyday purchases.

    Pros
    • Comprehensive travel insurance includes medical benefits for ages 65 and older.
    • Complimentary Priority Pass membership with six airport lounge visits included each year.


    Cons
    • A high annual fee and a $200,000 household annual income requirement.
    • Accelerated earn rates are limited to $100,000 annual spend.
  • Product Details
    • Intro offer details: Earn a welcome bonus of 20,000 Aeroplan points after making your first purchase. Earn up to 85,000 Aeroplan points when you spend $1,000 each month for the first 10 months after opening your account. Plus, enroll for NEXUS and once every 48 months get an application fee rebate, share free first checked bags, and get access to Maple Leaf Lounges. Must apply by May 29, 2022.
    • 2x Aeroplan points on Air Canada and Air Canada Vacation purchases.
    • 1.5x Aeroplan points on gas, groceries, travel and dining.
    • 1.25x Aeroplan points on everything else, or after $100,000 annual spend in the bonus categories listed above.
    • Earn twice the points when you present your Aeroplan number at over 150 participating Aeroplan partner brands and at 170 online retailers and pay with your card.
    • Earn 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks Rewards account. Plus, earn 50% more Stars at participating Starbucks locations.
    • Redeem Aeroplan points online at AirCanada.com or via the app for flights, vacation packages, hotels, experiences, gift cards and more.
    • $599 annual fee.
    • Receive an Annual Worldwide Companion Pass — either for $99 or no additional cost after spending $25,000 on your card.
    • Priority Check-In, Priority Boarding, Priority Baggage Handling and Priority Airport Standby for you and up to eight travel companions on the same Air Canada flight.
    • Complimentary Priority Pass membership with six airport lounge visits included each year. Access to a Maple Leaf Lounge is also included.
    • Get a free Uber Pass membership for 12 months. Offer ends September 7, 2022.
    • Access to up to $5,000 in emergency cash advances.
    • 13 types of insurance provided, including 31-day travel medical benefits — up to $5 million in coverage for ages 65 and younger. Ages 65 and older are covered for the first four days of a trip.
    • Preferred rates: 19.99% for purchases, 22.99% for cash advances.
    • To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Second-best TD Bank Aeroplan card

TD® Aeroplan® Visa Infinite Card

  • Annual Fee
    $139
    Waived first year
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    1x-1.5x Points
  • Intro Offer
    50,000 Points
  • Our Take
    Why we like it

    The TD Bank Aeroplan Visa Infinite Card provides access to exclusive food, golf and drink experiences, making it an excellent choice for shoppers with a taste for the finer things. The $7,500 spending target in the first year should put the introductory point offers within reach for many cardholders.

    Pros
    • A low annual fee and unique perks, including 10% off car rentals at Avis and Budget.
    • Earn points twice when you provide your Aeroplan number.


    Cons
    • Opportunities for earning more than 1.5x the points are rather limited.
    • Some perks, like a once-every-four-years NEXUS rebate, might not blow your hair back.
  • Product Details
    • Intro offer details: 10,000 Aeroplan points when you make your first purchase, another 20,000 when you spend $1,500 in the first 90 days of card membership and an additional 20,000 if you spend $7,500 within the first 12 months. To qualify for the intro offer, you’ll have to apply for your card before September 5, 2022.
    • 1.5x Aeroplan points for every dollar spent on eligible gas, grocery and direct purchases made through Air Canada and Air Canada vacations, up to $80,000 in annual spending.
    • 1x Aeroplan points on all other purchases.
    • Earn 50% more points at Starbucks when you link your TD card with your Starbucks Rewards account.
    • 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 through the Aeroplan eStore. Check your Aeroplan program for full details.
    • Points can be redeemed for flight rewards with Air Canada and its partner airlines, hotel and car rentals, flight upgrades and merchandise in the Aeroplan eStore.
    • $139 annual fee, but you can get your first year’s fee refunded if you make your first purchase within the first three months after opening your account. You’ll have to add any additional cardholders by September 6, 2022, too.
    • Free first bag check-in for you and up to eight fellow travellers on the same reservation when flying with Air Canada, Air Canada Rouge or Air Canada Express.
    • Complimentary Visa Infinite Concierge service.
    • Access to exclusive gourmet events and discounts through the Visa Infinite Dining Series and the Visa Infinite Wine Country program.
    • Elevated Troon Rewards Silver Status at more than 95 golf courses and a 10% discount on green fees, merchandise and lessons at participating golf courses.
    • Save at least 10% off the lowest available base rates when you rent a vehicle through Avis or Budget.
    • 13 types of insurance provided, including 21-day travel medical coverage of up to $1 million. If you or your spouse are aged 65 or older, you’re covered for the first four days of your trip.
    • Preferred rates: 19.99 for purchases, 22.99% for cash advances.
    • No foreign transaction fees.
    • To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

Third-best TD Bank Aeroplan card

TD® Aeroplan® Visa Platinum Credit Card

  • Annual Fee
    $89
  • Interest Rates
    19.99% / 22.99%
  • Rewards Rate
    0.67x-1x Points
  • Intro Offer
    20,000 Points
  • Our Take
    Why we like it

    The TD Aeroplan Visa Platinum Card may be too short on bells and whistles for some credit card veterans, but those seeking a straightforward, affordable introduction to the Aeroplan universe should find what they’re looking for.

    Pros
    • A low annual fee, which can be refunded in the first year if you make a purchase in the first three months.
    • The mobile device insurance included should bring peace of mind to some users.


    Cons
    • A lack of perks, relatively slight insurance options and a modest credit limit of $1,500 may leave some consumers wanting more.
    • There are few ways to earn double points, even during the introductory period.
  • Product Details
    • Intro offer details: Apply by May 29, 2022, and receive 10,000 Aeroplan points when you make your first purchase. You can earn another 10,000 points if you spend $1,000 in the first 90 days after opening your account.
    • 1x Aeroplan point for every dollar spent on eligible gas, grocery and Air Canada purchases, including Air Canada Vacations, up to a maximum annual spend of $80,000.
    • 1x Aeroplan point for every $1.50 you spend on all other purchases.
    • Earn points twice when you pay with your card and provide your Aeroplan number at more than 150 Aeroplan partner brands and over 170 online retailers via the Aeroplan eStore.
    • Link your Starbucks Rewards account with your TD card and earn 50% more Aeroplan points at Starbucks. Plus, earn 50% more Stars at participating Starbucks locations.
    • Points can be redeemed for flights, hotel and car rentals, as well as merchandise, gift cards and more in the Aeroplan.
    • $89 annual fee.
    • Enroll by September 7, 2022 and get a free Uber Pass membership for three months.
    • Save 10% off the lowest available base rates when you rent a car through participating Avis or Budget locations.
    • 10 types of insurance provided, including $1,000 in mobile device insurance.
    • Preferred rates: 19.99% for purchases, 22.99% for cash advances.
    • To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

Best CIBC Aeroplan card

CIBC Aeroplan® Visa Infinite Privilege Card

  • Annual Fee
    $599
    Annual fee rebate available
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.25x-2x Points
  • Intro Offer
    75,000 Points
  • Our Take
    Why we like it

    The CIBC Aeroplan Visa Infinite Privilege card is loaded with enough attractive features — solid travel perks, an annual Companion Pass, low interest rates on major purchases — to make the high cost of entry worth it for some consumers.

    Pros
    • A generous introductory offer.
    • Lounge access and priority status for you and your fellow travellers can bring comfort and enhanced convenience to a long day of travel.


    Cons
    • A high annual fee and steep income requirements.
    • Qualifying for the annual Companion Pass requires a level of spending some cardholders may not be on board with.
  • Product Details
    • Intro offer details: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 25,000 if you spend $3,000 or more during your first four monthly statement periods, and 30,000 more (2,500 points per month) if you charge at least $2,000 to your card each month in the first year. This offer only applies to newly approved card accounts.
    • 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
    • 1.5x Aeroplan points on gas, groceries, travel and dining, up to annual $100,000 spend.
    • 1.25x Aeroplan points on other purchases.
    • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
    • Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
    • $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
    • An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
    • Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
    • Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
    • Save up to 25% on car rentals at participating Avis and Budget locations.
    • Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
    • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
    • 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
    • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
    • To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.

Second-best CIBC Aeroplan card

CIBC Aeroplan® Visa Infinite Card

  • Annual Fee
    $139
    Annual fee rebate available
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    1.5x-1x Points
  • Intro Offer
    20,000 Points
  • Our Take
    Why we like it

    While it’s a little light on exclusive perks, the CIBC Aeroplan Visa Infinite card offers an interesting collection of benefits that should be more than enough to keep many users satisfied.

    Pros
    • An admirable amount of insurance coverage considering the card’s relatively low annual fee.
    • Families can combine their Aeroplan points.


    Cons
    • Few opportunities to earn double points on purchases, even during the introductory period.
    • Beyond the free first checked bag allowance and access to Visa Infinite’s lineup of food, beverage and luxury hotel offers, juicier travel perks are in short supply.
  • Product Details
    • Intro offer details: Earn 10,000 Aeroplan points when you make your first purchase, Spend $1,000 or more during your first four monthly statement periods and earn another 10,000 points and a Buddy Pass, which can be used to cover the base fare of any North American Air Canada flight (economy class only). Offer applies to new cardmembers only.
    • 1.5x Aeroplan points for every dollar spent on gas, groceries and direct Air Canada purchases, including Air Canada Vacations, up to a maximum annual spend of $80,000.
    • 1x Aeroplan point for every dollar you spend on all other purchases.
    • Earn points twice by providing your Aeroplan number at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
    • Points can be redeemed for flights, car rentals and hotel bookings, as well as merchandise and gift cards available in the Aeroplan eStore.
    • $139 annual fee, which can be reduced each year if you have a CIBC Smart Plus account.
    • Access to Visa Infinite offers, including exclusive benefits at luxury hotels, gourmet restaurants and wineries in British Columbia, Ontario and Sonoma Valley.
    • Car rental discounts of up to 25% at participating Avis and Budget locations worldwide.
    • The Aeroplan Family Sharing plan allows Aeroplan members in the same household to combine their points and speed up the delivery of their next flight reward.
    • Primary cardholders hoping to reach Aeroplan Elite Status can receive 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases.
    • Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
    • 13 types of insurance provided, including 15-day travel medical benefits (three days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
    • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
    • To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. You must also be a Canadian resident of the age of majority in the province or territory where you live who has not declared bankruptcy in the last seven years.

Best no-fee Aeroplan card

CIBC Aeroplan® Visa Card

  • Annual Fee
    $0
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    0.67x-1x Points
  • Intro Offer
    10,000 Points
  • Our Take
    Why we like it

    Most cards make you choose between low fees or valuable travel rewards, but the CIBC Aeroplan Visa offers both.

    Pros
    • An attractive intro offer that could be enough for a one-way economy class flight in North America.
    • Your Aeroplan membership will help you earn points twice as fast at Aeroplan partners and retailers in the Aeroplan eStore when you pay with your Aeroplan credit card.


    Cons
    • To get the best value, you’ll have to be loyal to Air Canada and the Aeroplan rewards program.
    • Earn rate on included categories is lower than some other no-fee cards.
  • Product Details
    • 1x Aeroplan points per dollar on gas, groceries and Air Canada travel purchases, up to $40,000 annual spend.
    • 1x Aeroplan points per $1.50 spent on all other purchases, including gas, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
    • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
    • Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
    • $0 annual fee.
    • Primary Aeroplan credit cardholders may get access to preferred pricing, which means you can book flight rewards for even fewer points.
    • Get three free months of Uber Pass for discounts on rides, meals and more.
    • Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time.
    • Use the CIBC Pace It feature to make installment payments on large purchases.
    • Four types of insurance are provided: car rental collision and loss damage insurance, purchase security and extended protection insurance, and common carrier travel accident insurance.
    • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
    • To be eligible, $15,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Second-best no-fee Aeroplan card

American Express® Green Card

  • Annual Fee
    $0
  • Interest Rates
    20.99% / 21.99%
  • Rewards Rate
    1x-2x Points
  • Intro Offer
    10,000 Points
  • Our Take
    Why we like it

    The American Express Green Card has a simple rewards program with an accelerated earn rate on hotel and rental car bookings, and it’s easy to transfer your points to other loyalty programs for maximum redemption value. Oh, and the card itself is made from 99% recycled plastic.

    Pros
    • No limits on rewards spending, and more ways to redeem your points than other no-fee rewards credit cards on this list.
    • Cardholders who enjoy VIP treatment will enjoy access to a multitude of perks through American Express Experiences.


    Cons
    • Reward earn rates are lower than some other no-fee credit cards.
    • Lacks some of the travel perks and insurance options offered by other cards.
  • Product Details
    • Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card.
    • As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership.
    • Earn 1x the points on Card purchases.
    • Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
    • With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada.
    • Transfer points 1:1 to several frequent flyer and other loyalty programs.
    • 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. Conditions apply.

Best Aeroplan card for students

CIBC Aeroplan® Visa Card for Students

  • Annual Fee
    $0
  • Interest Rates
    20.99% / 22.99%
  • Rewards Rate
    0.67x-1x Points
  • Intro Offer
    10,000 Points
  • Our Take
    Why we like it

    Credit card beginners can use the CIBC Aeroplan Visa Card for Students to accumulate travel rewards thanks to a solid earn rate and a generous welcome bonus.

    Pros
    • The welcome bonus has no strings attached or hoops to jump through — simply make a purchase a receive 10,000 Aeroplan points.
    • Your Aeroplan membership will help you earn points twice as fast at Aeroplan partners and retailers in the Aeroplan eStore when you pay with your Aeroplan credit card.


    Cons
    • The higher 20.99% interest rate could be a problem for students learning how to use their first credit card.
    • To get the best value, you’ll have to be loyal to Air Canada and the Aeroplan rewards program.
  • Product Details
    • 1x Aeroplan points per dollar on gas, groceries and Air Canada travel purchases, up to $40,000 annual spend.
    • 1x Aeroplan points per $1.50 spent on all other purchases, including gas, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
    • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
    • Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
    • $0 annual fee.
    • Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
    • Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
    • Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
    • Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
    • Receive preferred pricing when paying for flights with your Aeroplan points.
    • Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
    • Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
    • Use the CIBC Pace It feature to make installment payments on large purchases.
    • Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
    • Preferred rates: 20.99% for purchases, 22.99% for cash advances.
    • To be eligible, you must have full-time status in a college or university.
Back to Top

Methodology to identify the Aeroplan credit cards

NerdWallet Canada selects the best Aeroplan credit cards based on overall consumer value as well as their suitability for specific kinds of consumers.

Our evaluation is weighted by three main factors: 50% rewards value, 25% intro offer, and 25% fees and interest.

  • Rewards value considers earning rates, rewards structure, promotional rates and spending categories.
  • Intro offer considers the welcome bonus value, promotional interest rates, and any waived fees.
  • Fees and interest consider the annual fee, additional costs such as foreign transaction fees, and interest rates for purchases, balance transfers and cash advances.

Other noteworthy features, such as insurance, special perks and extra benefits, earn unofficial bonus points. Only cards that earn Aeroplan points, or earn points that can be transferred to Aeroplan at a 1:1 ratio, were considered.

Summary of the best Aeroplan credit cards:

Best overall Aeroplan credit card

  1. American Express® Aeroplan®* Reserve Card

Best charge cards to earn Aeroplan points

  1. American Express Platinum Card®
  2. American Express® Aeroplan®* Card

Best credit cards for Amex Membership Rewards point transfers

  1. American Express® Gold Rewards Card
  2. American Express Cobalt® Card

Best TD Bank Aeroplan credit cards

  1. TD® Aeroplan® Visa Infinite Privilege Card
  2.  TD® Aeroplan® Visa Infinite Card
  3. TD® Aeroplan® Visa Platinum Credit Card

Best CIBC Aeroplan credit cards

  1. CIBC Aeroplan® Visa Infinite Privilege Card
  2. CIBC Aeroplan® Visa Infinite Card

Best no-fee Aeroplan credit cards

  1. CIBC Aeroplan® Visa Card
  2. American Express® Green Card

Best Aeroplan card for students

  1. CIBC Aeroplan® Visa Card for Students

 

Back to Top

 

Guide to Aeroplan credit cards and rewards in Canada

By Barry Choi

Aeroplan credit cards are rewards cards that earn Aeroplan points. These points are specific to Air Canada’s loyalty program, but since Aeroplan has more than 45 airline partners, you’re not restricted to using your points just on Air Canada flights. In addition, you can use your points on hotels, car rentals and even merchandise.

What is an Aeroplan credit card?

Aeroplan credit cards work like other Canadian credit cards but earn Aeroplan points.

Aeroplan has partnered with multiple financial institutions and offers co-branded Aeroplan credit cards to the public. While every Aeroplan credit card allows you to earn Aeroplan points, there are typically some minor differences, including:

  • Annual fee.
  • Welcome bonus.
  • Earn rate.
  • Insurance.
  • Benefits specific to Air Canada.
  • Travel perks.
  • Additional benefits.

Primary cardholders will get access to all of their Aeroplan credit card features. Some benefits, such as travel insurance and checked bags, can be shared by any travelling companions on the primary cardholder’s itinerary. Occasionally, supplementary cardholders can also enjoy the card’s benefits even if they’re not travelling with the primary cardholder.

The benefits don’t carry over if an Aeroplan credit cardholder uses their card to purchase a ticket for someone else. For example, your parents won’t get free checked bags, even if you paid for their ticket with your Aeroplan credit card that offers the benefit.

Back to the top of this section

Is an Aeroplan credit card worth it?

If you like to travel, there are a lot of good reasons to get an Aeroplan credit card.

  • Air Canada is Canada’s largest airline, so it may be easier to find a route to your final destination.
  • There would be only a few ways for you to earn Aeroplan points without a co-branded Aeroplan card — and none of them are as easy as earning points on every purchase.
  • Many Aeroplan credit cards come with generous welcome bonuses. For example, you might get 50,000 Aeroplan points after meeting the minimum spend requirement. That’s enough points for multiple round-trip flights within North America, depending on the distance.
  • Aeroplan credit cards come with Air Canada-specific benefits, which makes them a fan favourite for many travellers. For example, you could get free checked bags, access to Maple Leaf Lounges, and priority check-in and boarding.
  • Depending on the card, you may also get travel insurance, mobile device insurance, purchase security and an extended warranty.

Assuming you fly Air Canada regularly, or you like the idea of earning points for cheaper travel later, then getting an Aeroplan credit card is ideal.

Back to the top of this section

Types of Aeroplan credit cards

There are two types of credit cards that earn Aeroplan points: co-branded Aeroplan cards that earn Aeroplan points and rewards credit cards that earn points that can be transferred to the Aeroplan loyalty program.

Both groups feature American Express and Visa credit cards. While both types of cards are widely accepted globally, it’s worth noting that some retailers, such as Costco and No Frills, only accept Mastercard.

Co-branded Aeroplan cards

Since Aeroplan and Air Canada are not banks, they need to partner with financial institutions to issue co-branded credit cards. This is a very normal practice for loyalty programs as it allows members and cardholders to earn points on every purchase and get additional benefits.

Banks that offer Aeroplan branded credit cards

TD, CIBC and American Express are the three financial institutions that Aeroplan has partnered with to provide their co-branded credit cards. Each bank offers multiple cards with different benefits and earn rates on rewards.

TD Aeroplan credit cards
CIBC Aeroplan credit cards
American Express Aeroplan credit cards
Advantages and disadvantages of co-branded Aeroplan cards

Having an Aeroplan credit card could lead to cheaper travel, but that doesn’t mean you should rush into things. Like any financial decision, you need to look at the pros and cons of being a cardholder before making a decision.

Advantages
  • Only one card has no annual fee.
  • You’ll earn Aeroplan points on every purchase.
  • You may get benefits specific to Air Canada.
  • Additional benefits may be included, such as insurance and a NEXUS rebate.
  • Aeroplan points can also be used for flights, hotels, car rentals and merchandise.
  • You can use Family Sharing to combine your points with family members.
Disadvantages
  • Some cards have a high annual fee.
  • If you don’t fly Air Canada or its partners often, the benefits may have limited use.
  • Aeroplan points can be devalued at any time.
  • Aeroplan uses dynamic pricing, so peak times will require more points.
  • You can’t transfer your Aeroplan points to other loyalty programs.

Transferable rewards credit cards that earn Aeroplan points

Co-branded Aeroplan credit cards will always be the easiest way to earn Aeroplan points. However, there are a few other credit cards and loyalty programs where you can transfer your points to Aeroplan as needed.

As long as the conversion ratio between programs is worth it, this flexibility can be appealing.

Loyalty programs with Aeroplan conversion options

These loyalty programs earn points that can be converted into Aeroplan points. The conversion ratio shows how many points from one program equal one Aeroplan point. For example, Marriott Bonvoy’s 3:1 ratio means three Marriot Bonvoy points equal one Aeroplan point.

  • ALL – Accor Live Limitless points, 2:1 ratio.
  • American Express Membership Rewards points, 1:1 ratio.
  • Best Western Rewards points, 5:1 ratio.
  • Choice Privileges points, 5:1 ratio.
  • Coast Rewards points, 1:1 ratio.
  • Hilton Honors points, 10:1 ratio.
  • IHG Rewards Club points, 5:1 ratio.
  • Marriott Bonvoy points, 3:1 ratio.
  • Radisson Rewards points, 10:1 ratio.
  • Shangri-La Golden Circle Award Points, 1:1 ratio.
  • Wyndham Rewards points, 5:1 ratio.

Transfers are typically made online or by phone and are complete within 24 hours.

How to transfer Amex points to Aeroplan

With American Express Membership Rewards, you can transfer your points to Aeroplan at a 1:1 ratio. So, 1,000 Membership Rewards points would get you 1,000 Aeroplan points. Some people prefer to collect Membership Rewards points over Aeroplan since you can use your Membership points for any type of travel purchase.

If you see a flight redemption on Aeroplan that’s appealing, you could just transfer the number of Membership Rewards points required and then immediately make the booking. By doing this, you’re never tying up your points into a single loyalty program.

American Express has multiple credit cards that earn Membership Rewards points, including:

How to transfer Marriott Bonvoy points to Aeroplan

Marriott Bonvoy, the loyalty program of Marriott International, allows you to transfer your points to Aeroplan at a 3:1 ratio.

Admittedly, that conversion ratio is not very good, but it can be improved. When you transfer 60,000 Marriott Bonvoy points to Aeroplan, you get 5,000 bonus points, for a total of 25,000 Aeroplan points. That effectively makes your conversion ratio 2.4:1, which can be useful if you need some additional Aeroplan points quickly to make a redemption.

The Marriott Bonvoy American Express Card is the only personal credit card in Canada that directly earns you Marriott Bonvoy points. They also have a business version of the card available.

Back to the top of this section

Co-branded Aeroplan cards vs. transferable rewards cards

In most cases, the differences between co-branded and transferable rewards cards are minimal.

 Co-branded cardTransferable rewards card
Best forPeople who fly a specific airline regularlyPeople who prefer flexible rewards
Points earnedSpecific to the co-brandCan be used for any travel and sometimes transferred to other loyalty programs
Value of pointsVaries by redemptionVaries by redemption
Earn rateUsually an increased earn rate for purchases specific to the co-branded loyalty program and for some categoriesIncreased earn rate can differ by category
Airline benefitsDepending on the card, you may get free checked bags, priority boarding, lounge access and moreYou may get general travel benefits, such as lounge access or a NEXUS rebate
Additional benefitsDepends on the card, but usually travel-focusedDepends on the card, but usually travel-focused

How to get an Aeroplan credit card

Getting an Aeroplan credit card is easy since you can apply for all of them online.

If you’re interested in a TD or CIBC Aeroplan credit card, you can walk into one of their branches to start the application process. Note that you don’t have to be a TD or CIBC customer to apply for one of their Aeroplan credit cards.

In addition, you’ll sometimes find pop-up events at the mall or airport where you can sign up for a card on the spot.

Eligibility

There are certain eligibility requirements you’ll need to satisfy to be approved for an Aeroplan credit card. The requirements may differ by card.

Age

Financial institutions typically require the primary cardholder to be the age of majority in their province/territory of residence. However, it’s possible for people under that age to have access to an Aeroplan credit card if they’re added as a supplementary cardholder to a user that’s already been approved.

Credit score

Financial institutions don’t typically reveal the exact credit score required to be approved for a credit card, but, at a minimum, you should have a credit score of 600 before applying. If you’re applying for a premium or top-tier credit card, you may need an even higher credit score.

Income

Some Aeroplan credit cards have a minimum personal or household annual income requirement for you to be approved.

  • Entry (basic Visa) – $15,000 household income requirement.
  • Core (Visa Infinite) – $60,000 personal or $100,000 household income requirement.
  • Premium (Visa Privilege) – $150,000 personal or $200,000 household income requirement.

American Express doesn’t list their minimum income requirements to be approved. In addition, CIBC offers an Aeroplan Visa Card for Students that have no minimum annual income requirement.

Back to the top of this section

How to choose the best Aeroplan credit card

With so many Aeroplan credit cards available, choosing one can be difficult. Start narrowing down your choices by looking at what each credit card offers and how they line up with your lifestyle.

Pick the right Aeroplan credit card tier

The Aeroplan credit card tiers are often your first consideration as it’s a quick way to determine what’s the best match for your needs. Generally, the tiers can be broken down into the following features

  • Entry: low annual income requirement and limited or no airline benefits.
  • Core: reasonable annual income requirement, the annual fee often waived for the first year, basic airline benefits, and additional perks, such as travel insurance.
  • Premium: high annual fee and income requirement, plus lots of airline and additional benefits.

If you’re not sure if an annual fee is worth it, stick to the entry-level cards or any premium card that waives the annual fee for the first year. While premium cards have a high annual fee, frequent flyers may find it worth paying since they get many Air Canada and travel benefits.

Compare key features

Besides the tier, there are a few other features you’ll want to compare:

  • Annual fee. Paying a higher fee is only worth it if you can maximize your points or get value out of the benefits.
  • Intro offer or welcome bonus. The sign-up offers available are constantly changing. Some cards have better deals than others, so do your research.
  • Earn rate. Each Aeroplan credit card has slightly different earn rates for specific categories, so choose one that best aligns with your spending.
  • Additional benefits. Higher-tier Aeroplan credit cards come with more benefits.
  • Insurance coverage. Some Aeroplan credit cards offer slightly better insurance than others. Read the cardholder agreement for the policy details.

Back to the top of this section

How to use your Aeroplan credit card

You’ll earn points every time you use your Aeroplan credit card to make a purchase, but there are a few tricks you can incorporate to maximize your earning potential.

How to earn the most Aeroplan points

  • Charge everything. Since every purchase you make earns you Aeroplan points, you should charge everything you can to your card. Just make sure you pay the full balance every month.
  • Double dip. You can earn double the Aeroplan points at participating merchants. Just show your Aeroplan card when checking out and then use your Aeroplan credit card as the method of payment.
  • Use the eStore. Aeroplan has an eStore that’s partnered with 200+ retailers. All you need to do is click the partner retailer via the Aeroplan eStore. All eligible purchases made will earn you extra Aeroplan points.
  • Look for the big offers. The quickest way to earn Aeroplan points will always be the sign-up bonuses.

How to earn Aeroplan Elite Status

Aeroplan also has Elite Status tiers: 25K, 35K, 50K, 75K and Super Elite (100K).

To earn higher status, you need to meet the requirements based on the following criteria:

  • Status Qualifying Miles (SQM) are earned based on the distance you fly.
  • Status Qualifying Segments (SQS) are earned based on flight segments you cover.
  • Status Qualifying Dollars (SQD) are earned based on how much you spend on flight tickets.

The more you fly and spend with Air Canada, the higher your tier. For example, to get to 25K status, you need to earn 25,000 SQM or 25 SQS. Plus, you need to spend $3,000 in SQD.

The increased status gives you perks, such as free eUpgrade credits, seat selection, lounge passes, priority boarding and more.

Core and Premium Aeroplan credit cardholders will earn 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $10,000 of purchases.

Back to the top of this section

How the Aeroplan rewards program works

Aeroplan points can be used on any available seat on Air Canada and Aeroplan partner flights. Points can also be used for hotels, car rentals and even merchandise, but those typically have a lower redemption value.

Aeroplan uses a zone-based chart for flight redemptions, and how many points it takes for a free flight is affected by the destination, departing airport, and the number of miles flown. In addition, Aeroplan uses dynamic pricing to adjust the cost of Air Canada flights depending on demand.

Partner airlines use a fixed points system instead of a dynamic schedule, which means they may cost you fewer points. However, partner reward flights have significantly fewer seats available and charge a $39 booking fee.

Aeroplan does not include surcharges when booking with points. Stopovers of up to 45 days can be added for 5,000 points on select itineraries. Note that stopovers are not allowed for Canada or U.S. itineraries.

Aeroplan’s Family Sharing plan allows groups of up to eight Aeroplan members to pool points and share Elite Status. This allows for quicker redemptions since all the groups’ points are combined. The plan can include immediate and extended family members and even friends.

Back to the top of this section

Aeroplan points value

Aeroplan uses dynamic pricing, so the value of your points will change depending on your redemption. That said, NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights.

Based on our analysis, the value of 1 Aeroplan point is worth 1.69 cents.

More specifically, you can expect to get around

  • 1.69 cents in value per Aeroplan point for economy class awards on Air Canada, and
  • 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.

Based on this data, if the value of your redemption is worth at least 1.69 cents per point, then you should book your flight on points. If the value you’re getting falls below this threshold, you’re better off paying cash and saving your points.

Aeroplan rewards chart

Aeroplan flight rewards chart

Aeroplan is broken into four zones: North America, Atlantic, Pacific and South America. The points required to fly within or to another zone are based on distance, carrier and demand.[1]

Within North America

Aeroplan chart Within North America

Between North America and Atlantic zones

Between North America and Atlantic zones

Between North America and Pacific zones

Between North America and Pacific zones

Between North America and South America zones

Between North America and South America

These redemptions are for one-way flights. As you can see, the farther you’re flying, the more points it’ll cost you. In addition, the range you see within a zone refers to dynamic pricing. So, during off-peak travel plans, the number of points required would be on the lower end of the scale. For peak travel dates, expect to pay towards the higher end.

Keep in mind that peak travel dates aren’t the only thing that affects dynamic pricing. A more popular time, such as 10 a.m. vs. 8 a.m., may also cost more points.

When using partner airlines, you pay a fixed number of points based on distance.

How Aeroplan points are calculated

While the zone charts are a bit intimidating, Aeroplan does have a points predictor tool that will show you roughly how many points it’ll cost you to fly between destinations. That said, this tool just shows you the range, you’d have to search your exact dates to find out what it’ll really cost you.

In addition, this points predictor tool doesn’t calculate the value of your points for you. To do that, you’d use the following formula:

(Ticket price – taxes) X 100 /points required for a redemption = Cost per point

For example, let’s say you want to fly round-trip from Toronto to Vancouver. The cash price is $500, or you can redeem 25,000 Aeroplan points and pay $75 in taxes to get the flight for free. Your formula would be as follows:

($500 – $75) X 100 / 25,000 = 1.7 cents per point

In this example, the value exceeds our estimated value of 1.69 cents per point, so the redemption is worth it.

Back to the top of this section

How to earn Aeroplan points

Earning Aeroplan points is easy since there are multiple ways to do so. Maximizing your earn rate, however, does require a little bit of work and planning.

Using Aeroplan credit cards

Using one of the best Aeroplan credit cards will always be the easiest way to earn Aeroplan points. Not only will you earn points on every purchase you charge to your card, but you’ll often get a generous welcome bonus when you sign up. Many Aeroplan credit cards also have an increased earn rate for different categories, so you can get points quickly.

Other ways to earn Aeroplan points

  • Transfer partners. American Express Membership Rewards and Marriott Bonvoy points can be transferred to Aeroplan.
  • Aeroplan partners. You can earn Aeroplan points through partner merchants, such as Uber, LCBO, Starbucks, Home Hardware and The UPS Store.
  • Aeroplan eStore. The Aeroplan eStore has hundreds of partner retailers, including Adidas, AliExpress, Amazon, Casper and Indigo.
  • Promotions and special offers. Aeroplan will often run contests or spend challenges where you can earn additional points.
  • Converting the Buddy Pass. Although not currently available, in the past, Aeroplan has allowed members to convert their Buddy Pass to 30,000 Aeroplan points.
  • Purchasing points. Aeroplan also allows you to buy points, but the cost is usually more than the estimated value.

Back to the top of this section

How to redeem Aeroplan points

Redeeming Aeroplan points is easy since everything is done via aircanada.com. When searching for flights, you’ll see an option to use your points. When you select that, all available flights will show the number of Aeroplan points required for redemption and the taxes you would need to pay. You can then filter your search by departure time, stops, airline and more.

Don’t forget, the redemptions shown are for one-way flights, so you’d need to select your departure and return flight to see the full price. If your itinerary is complex or you need to add a stopover, you’ll likely have to call Aeroplan directly to have an agent piece together your itinerary.

Hotels, car rentals and merchandise redemptions are also done directly via aircanada.com

Back to the top of this section

How to get the best value for Aeroplan redemptions

Since the value of one Aeroplan point is worth at least 1.69 cents, any redemption above that is considered a good value. Our data shows that a business class flight has an average value of 2.81 cents per point, so that’s another easy way to get the best value for your points.

There are a few strategies for getting the best value out of Aeroplan redemptions. Some tips include:

  • Try to book with partner airlines whenever possible since they use a fixed amount of points and often offer a better value.
  • Since Aeroplan uses distance bands, there are a few sweet spots that’ll get you the best value. For example, Vancouver to Tokyo and Montreal to Casablanca.
  • If you have a core or premium Aeroplan credit card, you get better rates for Aeroplan reward flights.

Back to Top

  • FAQs for Aeroplan Credit Cards in Canada

    • Does Aeroplan have a cancellation policy?

      Aeroplan does have a change and cancellation policy. How much you’ll pay in fees depends on the class of your seat, type of fare and when you’re cancelling, but all of your points will be refunded. If you’re just changing your flight, the point difference will either be debited or credited from your account.

    • Do Aeroplan points expire?

      Aeroplan points only expire if there has been no activity in your account for 18 months. Maintaining activity is easy since it refers to earning, redeeming, donating and transferring your points. If you have an Aeroplan credit card and use it regularly, you’d be earning points every month, so there’s no fear about your points expiring.

Article Sources

DIVE EVEN DEEPER

10 Best Cash Back Credit Cards in Canada for 2022

Compare the best cash-back credit cards in Canada across categories like no-fee, flexible rewards options and premium perks.

8 Best Rewards Credit Cards in Canada for 2022

Compare the best rewards credit cards in Canada across numerous rewards categories, including travel, cash back and more, to find the ideal card for your spending preferences.

8 Best Travel Credit Cards in Canada for 2022

Explore the best travel credit cards in Canada for daily spending, flexible travel rewards, big welcome bonuses and more.

9 Best No-Fee Credit Cards in Canada for 2022

Compare Canada's best no-fee credit cards across categories like travel perks, cash back, welcome bonuses, and more.