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Published April 4, 2024

13 Best Aeroplan Credit Cards in Canada for 2024

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 2.23 cents per point.

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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.

Joining Air Canada’s Aeroplan loyalty program 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 2.23 cents per point on average, according to NerdWallet analysis. Plus, these cards will reward your loyalty with special perks and benefits that will make your next trip even more enjoyable.

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American Express® Aeroplan®* Reserve Card

Earn up to $2,600 in value within your first 13 months. When you combine the Welcome Bonus offer and the value you get from exceptional travel benefits, you can earn up to $2,600 or more in value within your first 13 months. Terms and conditions apply.

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Best Aeroplan credit cards

Best overall Aeroplan card

American Express® Aeroplan® Reserve Card


$599

21.99% / 21.99%

1.25x-3x Points

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 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13.
  • That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
  • New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024.
  • 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 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.
  • 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.
  • 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.
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
  • 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, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.
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Best for: No income requirements

TD® Aeroplan® Visa Platinum* Card


$89

20.99% / 22.99%

0.67x-1x Points

Up to 20,000 Points
Our Take
Why we like it

The TD® Aeroplan® Visa Platinum* Credit 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
  • There are few ways to earn double points, even during the introductory period.
Product Details
  • Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
  • 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 by September 4, 2024.
  • Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
  • Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
  • To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • 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.
Apply Now

Best for: NEXUS fee rebates

TD® Aeroplan® Visa Infinite* Card


$139

20.99% / 22.99%

1x-1.5x Points

Up to 50,000 Points
Our Take
Why we like it

The TD 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 $10,000 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
  • Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Interest Rates: 20.99% on purchases and 22.99% on cash advances.
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
  • Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • 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.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • 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.
Apply Now

Best for: Priority Airport Services

TD® Aeroplan® Visa Infinite Privilege* Credit Card


$599

20.99% / 22.99%

1.25x-2x Points

Up to 85,000 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
  • Complimentary Visa Airport Companion membership with six airport lounge visits included each year.
  • Tons of airport perks, including priority check-ins, boarding, baggage handling, airport upgrades, and airport standby.


Cons
  • Substantial annual fee.
Product Details
  • Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
  • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
  • 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.
  • †Terms and conditions apply.
  • This offer is not available for residents of Quebec.
  • 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.
Apply Now

Best for: Businesses (TD Bank)

TD® Aeroplan® Visa* Business Card


$149

14.99% / 22.99%

1x-2x Points

Up to 60,000 Points
Our Take
Why we like it

The TD Aeroplan Visa Business Card impresses with its obtainable welcome bonus, low interest rate and increased earn rate on essential business purchases.

Pros
  • A 14.99% interest rate on purchases is unusual for a card packing this many benefits, including a healthy earn rate on business purchases like shipping and internet.
  • Wide range of insurance provided.
  • Travel perks include statement Credits For NEXUS Holders, free checked bags and Maple Leaf Lounge guest pass.


Cons
  • Most travel perks require cardholders to hit spending thresholds before they can be claimed.
  • Smaller businesses may not spend enough to score the full welcome bonus.
Product Details
  • Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
  • Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
  • Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
  • Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
  • Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
  • Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
  • Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
  • $149 annual fee — rebated in the first year.
  • Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
  • One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
  • Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
  • Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
  • Visa SavingsEdge program: save up to 25% on eligible business purchases.
  • Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
  • Toll-free emergency travel assistance services.
  • Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
  • Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
  • Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
  • Purchase security and extended warranty protection.
  • Minimum credit limit of $1,000.
  • Interest rates: 14.99% on purchases, 22.99% on cash advances.

Best charge card

American Express® Aeroplan®* Card


$120

Charge Card

1x-2x Points

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 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 20,000 Aeroplan points when you spend $1,000 in purchases in month 13
  • That’s up to $1,100 or more in value when you combine your welcome bonus points and card benefits.
  • 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
Apply Now

Best for: Business rewards on travel purchases

American Express® Aeroplan®* Business Reserve Card


$599

21.99% / 21.99%

1.25x-3x Points

Up to 90,000 Points
Our Take
Why we like it

The annual fee is no joke, but cardmembers have plenty of reasons to smile thanks to the American Express® Aeroplan®* Business Reserve Card’s strong earn rates, extensive travel benefits and overall convenience.

Pros
  • Serious bonus point potential in the first six months.
  • Relatively low interest rate.
  • Strong earn rates on eligible Air Canada travel purchases, hotel bookings and car rentals, even after the 6-month even after the introductory period ends. Plus, premium travel perks and benefits, like airport lounge access and priority upgrades, to make sure your next trip goes smoothly.


Cons
  • High annual fee.
  • Earning the Annual Worldwide Companion Pass may not be possible for all businesses.
  • The purchase interest rate rockets to 24.99% if you miss a payment.
Product Details
  • Earn up to 90,000 Welcome Bonus Aeroplan®* points.
  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.
  • Earn Aeroplan points that you can redeem in a variety of ways.
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.
  • Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
  • Leverage your cash flow with the option of carrying a balance or paying in full each month.
  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.
  • Unlock business travel possibilities to make every work trip one to look forward to.
  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight.
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions.
  • 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).
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice.
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services.
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade.
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card.
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club.
  • 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, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.
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Best for: Corporations

American Express® Aeroplan®* Corporate Reserve Card


$699

N/A

1x-1.5x Points

N/A
Our Take
Why we like it

The American Express®* Aeroplan® Corporate Reserve Card earns two types of rewards: Aeroplan points and cash back. It also comes with a host of premium travel perks, like priority check-in, priority boarding, priority baggage handling, airport lounge access and annual companion passes.

Pros
  • Earn Aeroplan points and cash back on eligible Air Canada purchases.
  • Luxurious travel perks.
  • Comprehensive insurance coverage.


Cons
  • Steep $699 annual fee.
  • No way to earn more than 1 Aeroplan point per $1 spent through the card itself.
Product details
  • Earn 1.5% cash back annually on eligible Air Canada purchases charged to your Card when your company is enrolled in Air Canada for Business.
  • Earn 1 Aeroplan point for every $1 in business purchases to redeem for flights, hotels, merchandise and more.
  • Enjoy an elevated travel experience with priority airport services, premium benefits, Maple Leaf Lounge™ access and more.
  • Everyday corporate spend can add up to status qualifying miles – getting you to Aeroplan Elite™* Status faster.
  • Get a companion Air Canada economy class ticket up to a maximum base fare of $599 CAD (excludes taxes, fees, charges and surcharges). Conditions apply.
  • Enjoy Priority Check-In for you and with up to eight companions when you traveling on the same reservation for any trip originating on an Air Canada flight.
  • Get your bags on the carousel first when you arrive at your destination with special Priority Baggage Handling priority bag tags ffor you and up to eight others travelling on the same reservation. This applies to travel originating on an Air Canada flight.
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible purchases charged to your Card.

Best for: No annual fee

CIBC Aeroplan® Visa Card


$0

20.99% / 22.99%

0.67x-1x Points

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, electric vehicle charging, 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, electric vehicle charging, 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.

Best for: Free checked bags

CIBC Aeroplan® Visa Infinite Card


$139

20.99% / 22.99%

1x-1.5x Points

Up to 45,000 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
  • Earn 10,000 Aeroplan points when you make your first purchase. Earn 20,000 Aeroplan points when you spend $4,000 or more during the first 4 monthly statements periods. Earn 15,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods. Offer applies to new cardmembers only.
  • 1.5x Aeroplan points for every dollar spent on gas, electric vehicle charging, 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 for: Luxurious travel perks

CIBC Aeroplan® Visa Infinite Privilege Card


$599

20.99% / 22.99%

1.25x-2x Points

Up to 110,000 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
  • Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. 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, electric vehicle charging, 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.

Best for: Students

CIBC Aeroplan® Visa Card for Students


$0

20.99% / 22.99%

0.67x-1x Points

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, electric vehicle charging, 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, electric vehicle charging, 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.

Best for: Businesses (CIBC)

CIBC Aeroplan® Visa* Business Plus Card


$120

19.99% / 22.99%

1x-2x Points

Up to 60,000 Points
Our Take
Why we like it

In addition to a solid earn rate on Air Canada purchases, the CIBC Aeroplan Visa Plus card helps businesses earn Aeroplan points on items and services they’ll inevitably spend money on, like shipping, internet and phone services.

Pros
  • Strong earn rates on Air Canada purchases and when buying common business items.
  • Achievable bonuses, like an Air Canada Buddy Pass and 10,000 bonus points earned after your first purchase.
  • Broad selection of travel insurance included, plus perks like four complimentary
  • Maple Leaf Lounge™ One-Time Guest Passes per year.


Cons
  • Smaller businesses may not spend enough to score the full 60,000 welcome bonus.
  • Capitalizing on the highest earn rates won’t be possible if you don’t fly with Air Canada frequently.
Product Details
  • Intro offer: Earn 10,000 points after making the first purchase, 20,000 points by spending $3,000 during the first four months, and 30,000 points by spending $35,000 during the first year. Plus, an annual fee rebate for the first card and each additional cardholder.
  • Receive an Air Canada Buddy Pass, good for a $0 base fare anywhere Air Canada flies in North America, when $3,000 is charged to the account in the first four monthly statement periods.
  • Free first checked bag for two travellers for each flight when a round-trip Air Canada flight is taken in the first year.
  • Maple Leaf Lounge access: up to four passes worth $25 each for every $10,000 in eligible spend.
  • $120 annual fee — rebated in the first year.
  • $50 annual fee for each additional card — first year rebate for up to three cards.
  • Add up to 15 cardholders to consolidate business expenses and earn points faster.
  • Earn 2 Aeroplan points for every dollar spent directly with Air Canada, including through Air Canada Vacations. After $80,000 in net annual card purchases, Aeroplan points are earned at the regular rate.
  • Earn 1.5 Aeroplan points for every dollar spent on shipping, internet, cable, phone services, travel and dining.
  • Earn 1 Aeroplan point for every dollar spent on all other purchases.
  • Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan estore.
  • Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.
  • Book flight rewards using fewer points when booking through the Rewards Officer.
  • Fraud alerts and zero liability protection if a card is stolen or used for fraudulent purchases.
  • Travel insurance: trip cancellation insurance (up to $1,000 per insured person per trip to a maximum of $5,000), trip interruption/trip delay insurance (up to $2,000 per insured person per trip), flight delay insurance (up to $500 per occurrence), stolen/lost/delayed baggage insurance (up to $500 per insured person to a maximum of $1,000 per occurrence), car rental collision and loss damage insurance (on cars with a suggested retail price of less than $65,000), common carrier accident insurance (up to $500,000 per insured person), purchase security and extended warranty protection.
  • Free Uber Pass for six months.
  • Access to Visa Spend Clarity for Business, a web-based reporting solution for expense management.
  • Preferred rates: 19.99% on purchases, 22.99% on cash advances.
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American Express® Aeroplan®* Reserve Card

Earn up to $2,600 in value within your first 13 months. When you combine the Welcome Bonus offer and the value you get from exceptional travel benefits, you can earn up to $2,600 or more in value within your first 13 months. Terms and conditions apply.

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Methodology: How we evaluate cards

NerdWallet Canada selects the best Aeroplan credit cards based on overall consumer value as well as their suitability for specific kinds of consumers. Factors in our evaluation methodology include each card’s earning rates, rewards structure (such as flat-rate or bonus categories), annual fee, redemption options, promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as insurance, loyalty bonuses or the ability to choose one’s own rewards categories.

    Summary of the best Aeroplan credit cards

    Card NameCategoryAnnual FeeIntro offer
    American Express® Aeroplan®* Reserve CardBest overall Aeroplan card.$599.Up to 85,000 Points.
    TD® Aeroplan® Visa Infinite CardBest for: NEXUS fee rebates.$139.Up to 50,000 Points.
    American Express® Aeroplan®* CardBest charge card.$120.Up to 50,000 Points.
    TD® Aeroplan® Visa Infinite Privilege* CardBest for: Priority Airport Services.$599.Up to 85,000 Points.
    TD® Aeroplan® Visa Platinum* CardBest for: No income requirements. $89.Up to 20,000 Points.
    American Express® Aeroplan®* Business Reserve CardBest for: Business rewards on travel purchases. $599.Up to 90,000 Points.
    CIBC Aeroplan® Visa Infinite Privilege Card.Best for: Luxurious travel perks.$599.Up to 110,000 Points.
    CIBC Aeroplan® Visa Infinite CardBest for: Free checked bags.$139.Up to 45,000 Points.
    CIBC Aeroplan® Visa CardBest for: No annual fee.$0.10,000 Points.
    CIBC Aeroplan® Visa Card for StudentsBest for: Students.$0.10,000 Points.
    CIBC Aeroplan® Visa* Business Plus CardBest for: Businesses (CIBC).$120.Up to 60,000 Points.
    TD® Aeroplan® Visa* Business CardBest for: Businesses (TD Bank).$149.Up to 60,000 Points.
    American Express® Aeroplan®* Corporate Reserve CardBest for: Corporations.$699.N/A.

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    Guide to Aeroplan credit cards and rewards in Canada

    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 50 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:

    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.

    Is an Aeroplan credit card worth it?

    If you like to travel, there are many reasons to get an Aeroplan credit card.

    If you fly Air Canada regularly, or want to earn points for travel discounts, an Aeroplan credit card may be a practical choice.

    Aeroplan vs. Air Miles

    The Aeroplan and Air Miles programs earn points that can be redeemed for numerous perks, including flight tickets, car rentals, vacation packages, merchandise, gift cards and more. 

    When comparing your card options, consider these differences:

    AeroplanAir Miles
    Number of available credit cards.13.6.
    Credit card issuers.
  • American Express.

  • CIBC.

  • TD Bank.
  • BMO.
    		•
    Credit card networks.
  • American Express.

  • Visa.
  • Mastercard.
    		•
    Number of partner airlines.52.19.
    Average value per point, according to NerdWallet analysis.2.23 cents.11.35 cents.
    Special perks.Air Canada benefits, including free checked bags, priority boarding, lounge access, and eUpgrades.25% discount on flights (conditions apply), free Boingo Wi-Fi around the world with select Air Miles Mastercard credit cards.
    Co-branded cardholder benefits.Higher earn rate on Air Canada purchases and Preferred Pricing discounts on flights.Earn Miles twice at participating Air Miles partners.
    Are points transferable to other loyalty programs?Yes.No.

    How to choose the best Aeroplan credit card

    Narrow down your choices by reviewing card benefits, annual fees, insurance coverage, and earn rates to find the card that best fits your lifestyle. 

    Pick the right Aeroplan credit card tier

    Aeroplan credit card tiers can help you determine the best card for your needs. Generally, Aeroplan cards can be categorized into the following tiers: 

    If you’re not sure if an annual fee is worth it, stick to the entry-level cards. Or, try a premium card that waives the annual fee for the first year. While premium cards have a high annual fee, the Air Canada travel benefits could be worthwhile for frequent fliers. 

    Compare key features

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

    Which Aeroplan cards offer lounge access?

    If lounge access is an important factor, these Aeroplan cards all offer airport lounge entry:

    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 include 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, 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 typical 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

    Co-branded Aeroplan credit cards are available through American Express, CIBC, and TD. 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
    Pros and cons of co-branded Aeroplan cards

    Having a co-branded 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.

    Pros
    Cons

    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 other credit cards and loyalty programs that allow you to transfer points to an Aeroplan account.

    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. Amex Membership Rewards’ 1:1 ratio means one Membership Rewards point equals one Aeroplan point.

    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 you want to book, you could transfer the number of Membership Rewards points required and book the flight once the points have been processed. 

    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.

    This conversion ratio is less competitive than a 1:1 ratio, but the overall value 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 could be useful if you find yourself in need of additional Aeroplan points to make a redemption.

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

    Co-branded Aeroplan cards vs. transferable rewards cards

    In most cases, the differences between co-branded and transferable rewards cards are minimal, but we generally think: 

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

    How to get an Aeroplan credit card

    You can apply for an Aeroplan credit card online by visiting the website of the card provider and filling out an online application.

    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. You don’t have to be a TD or CIBC customer to apply for one of their Aeroplan credit cards.

    You may also find pop-up events at the mall or airport where you can sign up for a card on the spot.

    Eligibility

    Eligibility requirements for Aeroplan credit cards may differ by card and provider.

    Age

    Financial institutions typically require the primary cardholder to be the age of majority in their province/territory of residence. People under the age of majority may be able to access 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.

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

    How do I know if my card is linked to my Aeroplan profile?

    When you apply for an Aeroplan credit card, you should receive a letter or email from Aeroplan with your new account information. To ensure your credit card has been linked to the program, log in to your Aeroplan account and check to see whether you are designated as a credit card holder. 

    You can also check whether your credit card has been linked to your Aeroplan profile by looking at your monthly credit card statement. If properly linked, the number of Aeroplan points you’ve accumulated should be included in each statement.

    Can I have more than one Aeroplan credit card? 

    Yes, you can have more than one Aeroplan credit card at a time. In fact, there’s no limit to the number of credit cards you can carry, assuming you’re approved for each card. 

    Having more than one Aeroplan credit card gives you the opportunity to take advantage of different welcome bonuses and earn rates, but tread lightly: keeping up with multiple credit cards takes diligence and responsibility. Missed payments and other credit missteps could negatively impact your credit score and strain your finances.

    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

    How to earn Aeroplan Elite Status

    Aeroplan also has Elite Status tiers: 25K, 35K, 50K, 75K and Super Elite (100K).  An increased status gives you perks, such as free eUpgrade credits, seat selection, lounge passes, priority boarding and more.

    To earn higher status, you’ll need to earn more than just Aeroplan points. Instead, you’ll need to meet different requirements based on how much you fly with Air Canada. These qualification requirements include:

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

    Certain Aeroplan credit cardholders will earn Aeroplan Elite Status qualification boosts — 1,000 Status Qualifying Miles and one Status Qualifying Segment — every time they exceed certain spending goals: it takes $5,000 eligible annual spend for Premium cardholders and $10,000 for Core cardholders.

    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.

    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 2.23 cents.

    More specifically, you can expect to get around

    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 fly the more points it costs. In addition, the range you see within a zone refers to dynamic pricing. So, during off-peak travel plans, you need fewer points to fly. For peak travel dates, expect to pay more.

    Keep in mind that peak travel dates aren’t the only thing that affects dynamic pricing. Time of day 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 somewhat intimidating, Aeroplan has a points predictor tool that will show you roughly how many points it’ll cost you to fly between destinations. That said, this tool only offers a range, so you 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, and the cash price is $500. You can pay that $500 outright, 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.

    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.

    Aeroplan credit card reviews

    Not sure which Aeroplan credit card is right for you? Read NerdWallet’s in-depth reviews of the following cards:

    Other ways to earn Aeroplan points

    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. Available flights will show the number of Aeroplan points required for redemption, plus applicable taxes. You can filter your search by departure time, stops, airline and more.

    By default, redemptions shown are for one-way flights, so you 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 conducted through aircanada.com.

    How to get the best value for Aeroplan redemptions

    Since 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 an easy way to get the best value for your points.

    Other ways to make the most of Aeroplan redemptions:

    Frequently asked questions about Aeroplan credit cards in Canada

    Does Aeroplan have a cancellation policy?

    Fees for cancelling through Aeroplan vary by the class of your seat, type of fare and when you cancel.

    Do Aeroplan points expire?

    Aeroplan points expire after 18 months of account inactivity. Account activity can be maintained by earning, redeeming, donating and transferring your points. If you have an Aeroplan credit card and use it regularly, your points will be safe.

    » MORE: When do travel rewards expire?

    Article Sources

    Works Cited
    1. Air Canada, “Aeroplan Flight Reward Chart,” accessed April 18, 2022.

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    About the Author

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    Shannon Terrell

    Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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