What’s the best Aeroplan credit card? The results are in! We scoured the market and rounded-up the best Aeroplan credit cards in Canada for 2020.
Aeroplan is Canada’s most popular travel rewards program, so it’s no surprise that Canadian frequent flyers want to know: what is the best Aeroplan credit card? Here at Young and Thrifty, we’ve looked at the competition and compiled a guide to the best Aeroplan cards on the market. 

What is the Best Aeroplan Credit Card in Canada?

Fasten your seat belts!

The best Aeroplan credit card in the Canadian market for 2020 is: The TD® Aeroplan® Visa Infinite* Card

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This year’s winner was selected for its beautiful balance of a winning welcome offer* (hello, 15,000 Aeroplan Miles*) with an affordable annual fee of $120. Plus, because it’s an Aeroplan card, double your miles with spends at participating partner sites and online retailers via the Aeroplan store. All you have to do is pay with your Aeroplan credit card and present your Aeroplan membership card. If you apply by September 8, 2020, new cardholders can earn a welcome bonus of 15,000 Miles (the equivalent of 1 economy short-haul roundtrip flight reward), but also get an annual fee rebate for the first year for both the primary and first additional cardholder.

The Details:

  • Annual Fee: $120 (annual fee rebate for the first year if you apply by September 8, 2020)
  • Income Eligibility: $60,000 personal income or $100,000 annual income
  • Credit Score Requirement: Good to Excellent
  • Welcome Offer: 15,000 Aeroplan Miles (Conditions apply. Must apply by September 8, 2020.)
  • Additional Perks: Travel insurance, VIP benefits when travelling on Aeroplan flight rewards operated by Air Canada, and no Aeroplan Miles expiry for cardholders
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the TD® Aeroplan® Visa Infinite* Card

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

Why Choose an Aeroplan Credit Card?

Canadian credit cardholders are always looking for ways to get more out of their regular spends, and for travel enthusiasts, the Aeroplan Miles Rewards Program is a natural choice.

Simply by using an Aeroplan card, you can earn miles redeemable towards flights, hotels, car rentals, vacation packages, event tickets, and merchandise.

Best of all, when you make purchases at Aeroplan-affiliated partners with your Aeroplan credit card and present your Aeroplan membership card, you’ll earn twice the Miles!

In fact, Aeroplan points are so valuable that the best Aeroplan card might not even be an Aeroplan credit card.

This is why we’ve included a few products on this list of credit cards that allow you to transfer your reward points from other loyalty programs into Aeroplan miles. After all, it’s all about getting you on your next journey faster.

Best Aeroplan Credit Cards in Canada 2020

Aeroplan Credit CardWelcome BonusAnnual FeeMore Info
TD® Aeroplan® Visa Infinite* Card15,000 (Conditions apply. Must apply by September 8, 2020)$120
(Annual fee rebate for the first year if you apply by September 8, 2020)
Read On
American Express® AeroplanPlus®* Gold Card<15,000$120Read On
CIBC Aero Platinum™ Visa* Card5,000$39Read On
The Platinum Card®25,000 Membership Rewards® points (transferable to Aeroplan)$699Read On

TD® Aeroplan® Visa Infinite*: *This offer is not available for residents of Quebec. For Quebec residents, please click here.

TD® Aeroplan® Visa Infinite*Card

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Our 2020 top pick is the TD® Aeroplan® Visa Infinite* Card*. This card offers a generous welcome bonus of 15,000 Aeroplan Miles* after your first purchase charged to your card. That’s the equivalent of 1 economy short-haul roundtrip flight reward! This card has an annual fee of $120, but it’s rebated for the first year for both the primary and first additional cardholder as part of the current promotion. To take advantage of this limited-time offer, you must apply by September 8, 2020.

Aside from this excellent promotion, cardholders earn additional miles with every dollar spent (1.5:$1 on groceries, gas, drugstore, and AirCanada.com; 1:$1 on everything else). Purchases made at participating Aeroplan partners and online retailers via the Aeroplan eStore earn double the rewards when you pay with your Aeroplan credit card and present your Aeroplan membership card, so cardholders can rack up their miles quickly and easily. The card also carries other travel-related perks including travel and auto insurance, and exclusive benefits like a complimentary first checked bag, priority check-in and boarding on Air Canada flights, and an annual one-time guest pass to the Air Canada Maple Leaf lounge.

The Details:

  • Annual Fee: $120 (annual fee rebate for the first year if you apply by September 8, 2020)
  • Income Eligibility: $60,000 personal income or $100,000 annual income
  • Credit Score Requirement: Good to Excellent
  • Welcome Offer: 15,000 Aeroplan Miles (Conditions apply. Must apply by September 8, 2020.)
  • Additional Perks: Travel insurance, VIP benefits when travelling on Aeroplan flight rewards operated by Air Canada, and no Aeroplan Miles expiry for cardholders
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the TD® Aeroplan® Visa Infinite* Card

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


American Express® AeroplanPlus®* Gold Card

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If you’re looking to rack up Aeroplan Miles quickly, the American Express® AeroplanPlus®* Gold Card is a good option.

Cardholders earn 1 Aeroplan Mile per $1 in card purchases up to $10,000, and 1.25 Aeroplan Miles for every additional $1 in card purchases over $10,000 annually.

You also get two free supplementary cards (a $100 value), which can help boost earning opportunities, and Aeroplan Miles double when you pay with the credit card and flash your Aeroplan number at over 150 Aeroplan Partner brands. As a welcome bonus, new cardholders get 15,000 bonus Aeroplan Miles after spending $1,500 in the first three months of card membership.

It comes with other VIP perks too, such as comprehensive travel insurance, a buyer’s assurance/purchase protection plan, and access to American Express Invites™. All things considered, it makes the $120 annual fee worth it.

The Details:

  • Annual Fee: $120
  • Income Eligibility: None
  • Credit Score Required: N/A
  • Welcome Offer: 15,000 bonus Aeroplan Miles when you spend $1,500 in the first 3 months
  • Additional Perks: Travel insurance, American Express Invites™, and buyer’s assurance/purchase protection plan
  • Purchase APR: 30%
Learn more about the American Express® AeroplanPlus®* Gold Card.

CIBC Aero Platinum™ Visa* Card

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The most accessible Aeroplan credit card on the list, the CIBC Aero Platinum™ Visa* Card has a low minimum personal income of $15,000 and costs only $39 per year.

Members receive a welcome gift of 5,000 miles and can accumulate more at a 1:$1.5 ratio; purchases at partners earn twice. Auto rental collision and damage insurance is also included, as well as purchase protection.

The Details:

  • Annual Fee: $39
  • Income Eligibility: Minimum household income of $15,000
  • Credit Score Requirement: Fair to Good
  • Welcome Offer: 5,000 Aeroplan miles
  • Additional Perks: Auto rental collision and damage insurance, purchase protection
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the CIBC Aero Platinum™ Visa* Card

The Platinum Card®

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If you’re a frequent traveler, you’ll love the premium perks offered by this card. The Platinum Card® from American Express has an amazing welcome bonus and incredible points-earning potential that you can easily redeem towards eligible travel purchases charged to the card.

New cardholders receive a welcome bonus of 25,000 Membership Rewards® points. How it works: you get 25,000 points after spending $2,000 in purchases in the first 3 months of card membership. That’s enough to redeem for a $250 statement credit towards eligible travel purchases charged to the card!

It’s not the only selling point: you’ll also get a $200 Annual Travel Credit that can be used towards any single travel booking of $200 or more charged to your Platinum Card through American Express Travel Online or through Platinum Card® Travel Service.

Members also get comprehensive travel insurance coverage and free access to more than 1,200 airport lounges worldwide as well as discounts and other valuable perks at hotels. Finally, consider that you’ll earn:

  • 3 points for every $1 in card purchases on eligible dining in Canada
  • 2 points for every $1 in card purchases on eligible travel
  • 1 point for every $1 in all other card purchases
  • 1 additional Membership Rewards® point for every $1 you charge to your Platinum Card® on eligible hotel or car rental bookings made with American Express Travel

With this card, you can transfer points to various airline frequent flyer programs like Aeroplan or Marriott Bonvoy. All things considered, these perks could justify the sky-high $699 annual fee.

Special Promotion: American Express recently announced double the rewards and points on The Platinum Card®. Until July 20, 2020, cardholders earn double rewards points on all card purchases; and if you choose to pay (or partially pay) for any purchase charged to your Platinum Card® with points through the Use Points for Purchases program, you’ll reap twice the value. For instance, you’ll earn 6 points per $1 spent on eligible restaurant and food delivery services, which works out to a whopping 12% cash back. That’s an enticing deal.

The Details:

  • Annual Fee: $699
  • Income Eligibility: N/A
  • Credit Score Required: Good to Excellent
  • Welcome Offer: 25,000 Membership Rewards® points
  • Additional Perks: $200 travel credit
  • Purchase APR: 30%
Learn more about the The Platinum Card®.

Calculate Annual Aeroplan Rewards’ Value

For each of the credit cards above, calculate the Aeroplan rewards value you can earn based on your personal spending categories:

About the Aeroplan Miles Rewards Program

The Aeroplan Miles program is a rewards system with a focus on travel with Air Canada, a leading Canadian airline. Your accumulated miles can be redeemed for travel rewards, such as flights on Air Canada and their partner airlines, hotels, car rentals, vacation packages, and event tickets.

Additionally, there is merchandise available through the Aeroplan program. You can also donate your Miles to select charities or transfer them to another member.

Aeroplan miles never expire, so anything you earn on flights or through an Air Canada Aeroplan card can be used to travel or for merchandise now or in the future.

One consideration: the Aeroplan program is being completely overhauled and relaunched in 2020. Right now, we don’t know how that will affect the rewards system, so it may be a factor if you’re applying for an Aeroplan credit card. However, some expect an increase in choice and competition (read: offers for the consumer) to flow from any changes, so the impending 2020 overhaul may be a good thing.

Aeroplan vs. AIR MILES

You may be wondering: what’s the difference between Aeroplan and AIR MILES? Here’s the low-down: they’re entirely different rewards programs, with different rewards systems.

When comparing Aeroplan vs. AIR MILES, Aeroplan is the travel rewards program that allows you to earn the most miles in the fastest way possible. With over 150 partner brands and over 150 online retailers, it’s super easy to earn Aeroplan miles when shopping for everyday items.

AIR MILES is one of the most popular loyalty programs in Canada. With an AIR MILES Collector Card, you can turn everyday purchases – like gas and groceries – into free flights, car rentals, event tickets, hotel stays, electronics, and so much more. Here’s how it works: when shopping at participating partner stores, flash your AIR MILES card at the check-out counter and automatically earn AIR MILES for your purchases.

While it’s fairly easy to collect Miles, it can take much longer to accumulate enough points to redeem them: generally, one AIR MILE is worth anywhere between $0.12 and $0.194. However, what’s unique about AIR MILES is that you can directly pay with AIR MILES at some partner retailers, which is handy for everyday purchases like groceries. Like Aeroplan, AIR MILES has an online shop (AirMilesShops.ca) where you can earn extra points through purchases, but their retail partner list isn’t as extensive.

RELATED: Aeroplan vs AIR MILES: Which Should You Choose? 

Best AIR MILES Credit Card on the Market

Pro-tip: if you’re an avid AIR MILES collector, you can maximize your points-earning potential by getting an AIR MILES credit card. The best credit card on the market is the BMO® AIR MILES®† World Elite®* Mastercard®.*

BMO® AIR MILES®† World Elite®* Mastercard®

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Upon sign up with BMO® AIR MILES®† World Elite®* Mastercard® , you get 2,000 AIR MILES Bonus Miles – that alone justifies signing up. Plus, you get 1 AIR MILE for every $10 in credit card spends anywhere, and you’ll earn Miles twice at AIR MILES partners when you present your AIR MILES Card. The $120 annual fee for this card may seem steep, but the good news is that it’s waived for the first year.

The Details:

  • Annual Fee: $120 (waived for first year)
  • Income Eligibility: $80,000 individual or $150,000 household income
  • Credit Score Requirement: Excellent
  • Welcome Bonus: 2,000 AIR MILES Bonus Miles
  • Additional Perks: Travel insurance, Mastercard Airport Experiences provided by LoungeKey
  • Purchase APR: 19.99% | Cash Advance APR: 22.99%
Learn more about the BMO® AIR MILES®† World Elite®* Mastercard®

Final Words: Is an Aeroplan Card the Right Credit Card For You?

With so many travel rewards programs to choose from, you might be wondering if carrying an Aeroplan card is right for you. The ability to earn easily (and to convert points from other programs) along with the flexibility to buy flights or redeem merchandise partly explains why Aeroplan is Canada’s most popular travel rewards program.

If you’re hoping to put your everyday spending to work towards your next vacation, an Aeroplan credit card might be just the thing.

The Best Credit Cards by Category:

This post was not sponsored. The views and opinions expressed in this review are purely my own.

Article comments

2 comments
Michael wallace says:

Hi ,I am having difficulty disabling the cash advance option on my TD card ,I have called customer relations and had opposite responses .Can you give me advice

Lisa Jackson says:

Hi Michael,

We are unable to advise on this. Please trying calling your customer service line again, and if it is still a problem, go into your local TD Bank. Best of luck!