Canada’s best Aeroplan credit cards
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Updated: March 05, 2024
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Aeroplan credit cards are a popular pick among Canadians, especially those who are frequent flyers.
But which Aeroplan credit card offers the best value? Which is best suited to your specific needs? This Aeroplan credit card comparison guide will answer those questions and help you choose the best Aeroplan card for your lifestyle.
Below is a quick comparison of the sign-up bonus, annual fee, point accumulation and travel insurance offered by some of the Aeroplan credit cards currently on the market. Although not officially Aeroplan credit cards, we have included American Express credit cards that allow you to transfer your Amex Membership Rewards points to Aeroplan at a 1:1 ratio. This gives cardholders significant flexibility to book through Aeroplan or Amex at their own discretion.
Best Aeroplan credit cards in Canada at a glance
Aeroplan credit card | Annual fee | Get started |
---|---|---|
TD® Aeroplan® Visa Infinite* Card |
Annual fee: $139
Welcome bonus: Earn up to $1,200 in value† including up to 50,000 Aeroplan points†. Conditions Apply. Account must be approved by June 3, 2024. |
Apply now |
American Express Cobalt® Card |
Annual fee: $155.88 ($12.99 monthly fee)
Welcome bonus: Earn up to 15,000 Membership Rewards® points in the first year (conditions apply) |
Apply now |
American Express® Aeroplan®* Card |
Annual fee: $120
Welcome bonus: Up to a total of 40,000 Aeroplan points (conditions apply) |
Apply now |
The Platinum Card® by American Express |
Annual fee: $799
Welcome bonus: Earn 70,000 Membership Rewards® points (conditions apply) |
Apply now |
American Express® Aeroplan®* Reserve Card |
Annual fee: $599
Welcome bonus: Up to 85,000 Aeroplan points (conditions apply) |
Apply now |
American Express® Green Card |
Annual fee: $0
Welcome bonus: 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of card membership (conditions apply) |
Apply now |
†Terms and conditions apply.
The TD® Aeroplan® Visa Infinite* Card offer is not available for residents of Quebec. For Quebec residents, please click here.
As you will notice in the above chart, the TD® Aeroplan® Visa Infinite* Card may not necessarily offer the top Aeroplan sign-up bonus in Canada; regular American Express cards might offer great deals in terms of sign-up bonuses after you convert your Amex Membership Rewards points to Aeroplan points.
That being said, it’s up to you to determine the best Aeroplan credit card for your needs and lifestyle. To help with your decision, here is a breakdown of the different card options and issuers for Aeroplan Canada.
Best Aeroplan credit card in Canada
TD Aeroplan Visa Infinite*
1.5 points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)†
1 point Earn 1 point for every $1 you spend on all other purchases†
2x Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†
50% Earn 50% more Aeroplan points at Starbucks when you link your card to your account.†
1 NEXUS application fee rebate every 48 months†
1st checked bag free for you and up to 8 travel companions†
$139 Annual Fee Additional cardholder is $75.†
20.99% Purchase APR APR for purchases 20.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
22.99% Balance Transfer Rate APR for balance transfers 22.99%†
2.50% Foreign Transaction Fee Foreign transaction fee: 2.50%†
Excellent Recommended Credit Score
$60,000 Required Annual Personal Income
$100,000 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
Earn up to $1,200 in value† including up to 50,000 Aeroplan points†. Conditions Apply. Account must be approved by June 3, 2024.
Learn moreBest credit card for Aeroplan points
Amex Cobalt
5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
3x the points on eligible streaming subscriptions in Canada
2x the points on eligible ride shares, transit & gas in Canada
1x additional point on eligible hotel and car rental bookings via American Express Travel Online
1x point for every $1 in Card purchases everywhere else
$100 USD up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
$155.88 Annual Fee 12.99/mo
20.99% Purchase APR
21.99% Cash Advance APR
21.99% Balance Transfer Rate
2.50% Foreign Transaction Fee
Fair Recommended Credit Score
$0 Required Annual Personal Income
$0 Required Annual Household Income
Best Aeroplan credit card promotion
American Express Aeroplan
2x the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
1.5x the points on eligible Dining and Food Delivery purchases in Canada
1x the points on everything else
$120 Annual Fee
0.00% Purchase APR Charge Card
2.50% Foreign Transaction Fee
Good Recommended Credit Score
$0 Required Annual Personal Income
Best Aeroplan rewards credit card
Amex Platinum
2x Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x points for every $1 in Card purchases on eligible travel
1x point for every $1 in all other Card purchases
$799 Annual Fee Includes $200 annual travel credit and $200 annual dining credit
20.99% Purchase APR The Preferred rate of 20.99% applies to your Flexible Payment Option balance.
2.50% Foreign Transaction Fee
Excellent Recommended Credit Score
Best Aeroplan credit card sign up bonus
Amex Aeroplan Reserve
3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
2X the points on eligible Dining and Food Delivery purchases in Canada
1.5X the points on everything else
$599 Annual Fee
20.99% Purchase APR
21.99% Cash Advance APR on funds advances
2.50% Foreign Transaction Fee
Good Recommended Credit Score
$0 Required Annual Personal Income
Welcome Offer
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
Learn moreBest Aeroplan credit card no annual fee
Amex Green card
1 MR point Earn 1 Membership Rewards point per $1 spent.
1 bonus point Earn 1 additional MR point for every dollar charged to your card with Amex Travel Online.
$0 Annual Fee No annual fee
20.99% Purchase APR
21.99% Cash Advance APR
Good Recommended Credit Score
Best Aeroplan cards by network
Visa
There is currently one Aeroplan Visa card that really stands out in Canada: the TD® Aeroplan® Visa Infinite* Card, primarily due to a strong sign-up bonus. Note that these Aeroplan Visa credit cards offer the possibility to “earn points twice” with Aeroplan partners†, making it easy to get more points fast.
Mastercard
At this time, there is no Aeroplan Mastercard on the market. Should this change,we will update its users as to any available options.
Choosing the best bonus
With so many great cards on the market, you may have trouble choosing the best card for you. Here are three things to consider when comparing rewards card bonuses.
1. Size of the bonus: A big bonus can seriously defray a card’s annual fee. The Platinum Card’s sign-up bonus, when transferred to Aeroplan, can potentially be enough for a roundtrip flight from Vancouver to Dubai, well worth the card’s $799 price tag in the first year.
2. Annual fee waiver/rebate: If the sign-up bonus doesn’t outweigh the annual fee, look for a card that offers a first-year annual fee waiver or rebate. With no annual fee in the first year, the issuer is begging you to try out their card risk free. The best part is that at the end of the year, you can decide whether or not to cancel your card, but the Aeroplan points will remain yours.
3. Transferability: Many Canadians only look at Aeroplan branded credit cards and miss out on other rewards cards that exchange points with Aeroplan 1:1. We love those hybrid cards because they give cardholders the flexibility to take advantage of other huge sign-up bonuses, sometimes 25,000 points or more, and then transfer those points to an Aeroplan account free.
4. Other uses: Consider your overall lifestyle when deciding on a bonus reward card, too. If you love to travel, a card with great travel insurance, like the TD® Aeroplan® Visa Infinite* Card, may benefit you most. If you stay in hotels often for work, you may find The Platinum Card® from American Express appealing with its complimentary perks at over 1,000 hotels worldwide.
Make the most out of your Aeroplan cards
We can breakdown the costs, perks, and requirements of these Aeroplan credit cards, but ultimately, you should choose the one that best meets your lifestyle and income. Each of these cards offers great benefits, and it’s up to you to decide which will give you the best bonus.
So why choose an Aeroplan card? Aeroplan has multiple credit card partners, making it easy to earn Aeroplan points. Then, when you are ready, you can use your Aeroplan points to book flights with Air Canada and Star Alliance members. Alternatively, you can use your points to redeem merchandise or gift cards. Learn more from the Aeroplan section in our Canadian loyalty rewards program comparison or Compare travel loyalty programs from Aeroplan vs. Air Miles vs. Avion
FAQs about Aeroplan credit cards
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.
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