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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 2021.

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. 

The Best Aeroplan Credit Cards in Canada

Aeroplan Credit CardWelcome BonusAnnual FeeMore Info
TD® Aeroplan® Visa Infinite* Card10,000 Aeroplan points after your first purchase + 10,000 Aeroplan points after you spend $1,000 in the first 90 days. Must be approved by August 16, 2021$139
(Annual fee rebate for the first year if you are approved by August 16, 2021)
Read More
The American Express® Aeroplan®* CardUp to 15,000 Aeroplan points and a bonus Buddy Pass$120Read More
The American Express® Aeroplan®* Reserve CardUp to 65,000 Aeroplan points and a $100 statement credit$599Read More
The Platinum Card®50,000 Welcome Bonus points$699Read More
American Express® Gold Rewards Card25,000 Membership Rewards Points (transferrable to Aeroplan)$150Read More
CIBC Aero Platinum™ Visa* Card5,000 Aeroplan miles$39Read More

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

Comparison of the Best Aeroplan Credit Cards in Canada

TD® Aeroplan® Visa Infinite* Card

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At the top of our list is the TD® Aeroplan® Visa Infinite* Card*, and looking at the perks and points-earning potential, it’s easy to see why. This card offers a generous welcome bonus of 10,000 Aeroplan points after making your first purchase. You’ll earn another 10,000 Aeroplan points after spending $1,000 in the first 90 days bringing the total bonus potential to 20,000. This card has an annual fee of $139, but it’s rebated for the first year for both primary and additional cardholders as part of the current promotion. To take advantage of this limited-time offer, you must be approved by August 16, 2021.

Aside from this excellent promotion, cardholders earn additional points with every dollar spent on your card (1.5:$1 on eligible groceries, gas, 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 points quickly and easily.

The card also carries other travel-related perks including travel and car rental insurance, and exclusive benefits such as a free first checked bag for you and up to 8 travel companions on the same reservation for Air Canada flights, priority check-in and boarding with Air Canada flights, a $100 Nexus fee rebate, and more.

The Details:

  • Annual Fee: $139 (annual fee rebate for the first year if you are approved by August 16, 2021; conditions apply)
  • Income Eligibility: $60,000 personal income or $100,000 annual income
  • Credit Score Requirement: Good to Excellent
  • Welcome Offer: 10,000 Aeroplan points after making your first purchase and another 10,000 (plus a bonus Buddy Pass) after spending $1,000 in the first 90 days. Must be approved by August 16, 2021.
  • Additional Perks: Travel insurance, VIP benefits when travelling on Air Canada flights, $100 Nexus fee rebate, Auto Rental Collision/Loss Damage Insurance, and no Aeroplan points expiry for cardholder
  • 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.


The American Express® Aeroplan®* Card

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The American Express® Aeroplan®* Card makes a great first impression with a generous welcome bonus of up to 15,000 points (which could equal a free flight, according to Air Canada’s points predictor tool) and a bonus Buddy Pass for an eligible round trip. All you have to do is spend $1,500 on your card in the first three months to earn 9,000 points and the pass. The other 6,000 points are awarded in 1,000-point increments as you spend $500 each month in the first six months, which is not a huge sum to spend on an everyday credit card.

But the perks don’t end there: this card comes with some sweet travel insurance coverage and you get a free checked bag for yourself and up to eight companions travelling on the same reservation. You’ll get points anytime you use your card, with the most points for Air Canada® and Air Canada Vacations® (2X the points) or on eligible dining and food delivery in Canada (1.5X the points). You’ll get 1X the points everywhere else you use your card, however, you’ll get double the points when you shop with partners and in the Aeroplan eStore.

The Details: 

  • Annual Fee: $120
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: Good to Excellent
  • Welcome Offer: Up to 15,000 points plus a bonus Buddy Pass (for an eligible round-trip flight in North America).
  • Additional Benefits: Comprehensive insurance, Air Canada travel benefits, access to exclusive American Express benefits
  • Interest on Purchases: 30%| Interest on Cash Advances: 30%

Learn more about the American Express® Aeroplan®* Card


American Express® Aeroplan®* Reserve Card

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If you like the perks of the American Express® Aeroplan®* Card and you travel quite a bit, consider the American Express® Aeroplan®* Reserve Card. While the fee is $599 per year, it’s easy to see how the benefits, points-earning potential and welcome bonus are worth it.

If you use this card to pay for your everyday purchases (especially travel), you’ll quickly accumulate some serious points. Get 3 points per $1 spent on Air Canada and Air Canada Vacations, 2 points per $1 on eligible dining and food delivery card purchases, and 1 point per $1 spent on everything else. Plus you’ll get 2X the points if you shop at an Aeroplan partner or in the Aeroplan eStore.

The cardholder benefits are extensive, including access to Air Canada Maple Leaf LoungesTM; Air Canada Priority Airport Services such as priority check-in, boarding, and baggage handling; and special perks at Pearson International Aiport, plus comprehensive travel insurance, an annual buddy pass, and more.

However, it’s the welcome bonus that seals the deal. Get up to 65,000 points plus a $100 statement credit when you spend $3,000 on your card within the first three months (35,000 Aeroplan points and the statement credit). Plus if you spend $1,000 on your card each month for the first six months you could earn up to a total of 30,000 points. The winning combination of perks, insurance, and welcome bonus makes this card a very attractive option, justifying the robust fee.

The Details:

  • Annual Fee: $599
  • Minimum Income Eligibility Requirement: N/A
  • Credit Score Required: N/A
  • Welcome Offer: Earn up to 65,000 Aeroplan points and a $100 Statement Credit
  • Additional Benefits: Comprehensive insurance, access to select Air Canada lounges and Priority Airport services, Annual Worldwide Companion Pass, access to exclusive American Express benefits
  • Interest on Purchases: 19.99%| Interest on Cash Advances: 21.99%

Learn more about the American Express® Aeroplan®* Reserve 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 50,000 Welcome Bonus points (worth about $500).How it works: you get 50,000 points after spending $3,000 in purchases to your card in the first 3 months of card membership. That’s enough to redeem for a $500 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. For Aeroplan, you can transfer your Membership Rewards Points to Aeroplan points at a rate of 1:1. All things considered, these perks could justify the sky-high $699 annual fee.

The Details:

  • Annual Fee: $699
  • Income Eligibility: N/A
  • Credit Score Required: Good to Excellent
  • Welcome Offer: 50,000 Welcome Bonus points when you charge $3,000 in purchases to your Card in the first three months of Cardmembership
  • Additional Perks: $200 travel credit
  • Purchase APR: 30%
Learn more about The Platinum Card®.

American Express® Gold Rewards Card

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If you like to pay off your balance in full every month, consider the American Express® Gold Rewards Card. For frequent travellers, the welcome bonus is enticing: if you spend $1,500 in purchases in the first 3 months, you’ll get 25,000 Membership Rewards Points (worth roughly $250). Most purchases earn you 1 point per $1, but you can accelerate your earnings with certain categories of spending. Specifically, eligible travel, grocery, drugstore, and gas purchases will earn you points twice as fast at a rate of 2 points per $1.

The points you accumulate can be used in a number of ways, such as towards purchases and flight rewards. However, you can also transfer your Membership Rewards Points into Aeroplan points at a rate of 1:1. This means the more you spend on your card, the closer you are to that next Aeroplan flight reward.

The Details:

  • Annual Fee: $150
  • Income Eligibility: N/A
  • Credit Score Requirement: Good to Excellent
  • Welcome Offer: 25,000 Membership Rewards Points when you spend $1,500 in purchases within the first 3 months
  • Additional Perks: Auto rental and travel insurance coverage, hotel credits, and AMEX Front of the Line® perks
  • Purchase APR: 30%
Learn more about the American Express® Gold Rewards 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

About the Aeroplan Miles Rewards Program

The Aeroplan Rewards Program is a rewards system owned by Air Canada, a leading Canadian airline. Your accumulated points can be redeemed for travel rewards, such as flights on Air Canada and its partner airlines, hotels, car rentals, vacation packages, and event tickets.

Additionally, there is merchandise available through the Aeroplan program. You can also donate your points to select charities or transfer them to up to eight people in your family group, free of charge.

As an Aeroplan credit card holder, Aeroplan points 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 was completely overhauled and relaunched on November 8, 2021.  Read more about the Aeroplan program changes.

Why Get an Aeroplan Credit Card?

The fastest way to earn Aeroplan Miles is to get an Aeroplan credit card. When you make purchases at Aeroplan-affiliated partners with your Aeroplan credit card and present your Aeroplan membership card, you’ll earn twice the points. There are even credit cards that allow you to transfer your reward points from other loyalty programs into Aeroplan points. After all, it’s all about getting you on your next journey faster.

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 points in the fastest way possible. With over 150 partner brands and over 150 online retailers, it’s super easy to earn Aeroplan points 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.

If you want to earn AIR MILES quickly, consider adding an AIR MILES credit card to your wallet.

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

Final Words: What is the Best Aeroplan Credit Card in Canada?

Comparing all the options, our choice for the best Aeroplan credit card in Canada is the TD® Aeroplan® Visa Infinite* Card. It has a winning welcome offer*, excellent perks, and an affordable annual fee that’s rebated for the first year. Plus, the earn rate is excellent, and if you use the card strategically, you can accumulate points quickly and easily.

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!