Best Aeroplan Credit Cards in Canada 2024

While each Aeroplan credit card will earn you Aeroplan points, it will also earn you some other benefits. However, how these benefits work is based on the type of credit card that you have. Here are some of the best Aeroplan credit cards in Canada. 

What is Aeroplan?

Aeroplan is one of the many frequent flyer programs out there. However, this one is owned by Air Canada and is Air Canada’s loyalty program. These points not only allow you to earn Air Canada benefits, as well as Aeroplan partners. 

Popular Aeroplan Cards

When choosing an Aeroplan card, it’s important to consider the most popular cards or those that consumers consider to be the best. This gives you a good indication of what people look for in a credit card and shows that it may offer some good benefits. Here are some of the popular ones that we found. 

CIBC Aeroplan Visa Card for Students

Due to the fact that this is a student card, there’s no annual fee and no fee for up to 3 additional cards. The purchase interest rate is 20.99%, and the cash interest rate is 22.99%. There’s a minimum credit limit of $1,000 and no income requirements. If you sign up now, you can get up to $200 in value in your first year. You get this by getting up to 10,000 Aeroplan points when you make your first purchase. 

Some other benefits included with the CIBC Aeroplan Visa Card for Students are:

• 1 point for every $1 you spend on eligible gas, grocery, Air Canada and EV charging purchases
• 1 point for every $1.50 you spend on all other purchases
• Aeroplan elite status
• Free SPS card
• Purchase security insurance
• Common carrier accident insurance
• Extended protection insurance
• Auto rental collision and loss damage insurance

TD Aeroplan Visa Infinite Privilege Card

The TD Aeroplan Visa Infinite Privilege Card has an annual fee of $599, a purchase interest rate of 20.99% and a cash advance rate of 22.99%. The cost for each additional card is $199. In order to qualify for this card you need to meet a few eligibility requirements.

• An annual personal income of $150,000 or a household income of $200,000
• Be a Canadian resident
• Be the age of majority in your province/territory

If you sign up and get approved before January 6, 2025, you can earn a great welcome offer. It includes:

• 20,000 points when you make your first purchase with your new card
• 30,000 points when you spend $12,000 in eligible net purchases within 180 days of opening your account
• 30,000 points as a one-time anniversary bonus when you spend $24,000 on eligible net purchases prior to the end of your 12th statement period
• Every 48 months, get a NEXUS rebate
• First free checked bags for up to eight companions on the same reservation
• Unlimited access to maple leaf lounges plus one complimentary guest pass
• 6 complimentary worldwide select airport lounge visits with the Visa Airport Companion Program also 

Other benefits include:

• Priority airport services, including priority boarding, priority baggage handling, priority airport standby and priority airport upgrades
• 2 points for every $1 on eligible purchases made directly with Air Canada
• 1.5 points for every $1 on eligible gas, grocery, travel and dining purchases
• 1.25 points for every $1 dollar spent on all other purchases
• Complimentary upgrade to Avis President's Club
• Complimentary Visa Infinite Concierge
• Global Airport Lounge Access
• Visa Infinite Privilege Airport Benefits
• Purchase security and extended warranty protection
• Mobile device insurance
• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Flight/Trip Delay Insurance
• Common Carrier Travel Accident Insurance
• Delayed and Lost Baggage Insurance
• Hotel Burglary Insurance
• Auto Rental Collision/Loss Damage Insurance
• Emergency Travel Assistance Services

TD Aeroplan Visa Business Card

Another option for a business Aeroplan credit card is the TD Aeroplan Visa Business Card. This card is for business owners who travel a lot and are looking to earn Aeroplan points. You can also receive a special offer when your application is approved. You can earn up to 50,000 bonus aeroplan points with full annual rebates. However, you have to be approved by January 6, 2025. 

With this credit card, the purchase interest rate is only 14.99%, while the cash advance rate is 22.99%. The annual fee is $149, and each additional card is $49. As far as points go, you can earn 2 points for every dollar you spend on eligible purchases with Air Canada. You can also earn 1.5 points for every dollar you spend on travel, dining, and other business categories. You’ll earn 1 point for every dollar you spend on all other everyday purchases. 

Other perks included with this card are:

• First checked bag free for up to 9 people on the same flight
• 25% off business expenses with the Visa SavingsEdge Program
• Maple Leaf Lounge One-Time Guest Passes
• Avis Preferred Plus
• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Flight/Trip Delay Insurance
• Common Carrier Travel Accident Insurance
• Auto Rental Collision/Loss Damage Insurance
• Hotel Burglary Insurance
• Emergency Travel Assistance 
• Delayed and Lost Baggage Insurance
• Statement credits for NEXUS holders
• Discounts on Avis and Budget rental cars
• Mobile Device Insurance
• Purchase Security and Extended Warranty Protection

CIBC Aeroplan Visa Business Plus Card

If you want to use a CIBC Aeroplan card but own a business, a good option is the CIBC Aeroplan Visa Business Plus Card. Like a lot of the other Aeroplan cards currently available, this card currently has a welcome offer. You could earn up to $1,600 in offers just to get accepted. 

As far as rates go, this card has an annual fee of $120 that’s rebated for the first year. It also has a purchase interest rate of 19.99% and a cash interest rate of 22.99%. When it comes to points, you can earn:

• 2 points for every $1 spent with Air Canada
• 1.5 points for every $1 spent on eligible travel, transportation, dining and business services
• 1 point for every $1 spent on all other purchases

You can also get some other great benefits, including:

• First checked bag free for you and up to 8 companions
• Up to 4 Maple Leaf One-Time Guest Passes per year
• Extra night free for every 3 nights in a hotel
• Complimentary upgrade to Avis Preferred Plus
• Trip Cancellation Insurance
• Trip Interruption Insurance
• Flight Delay and Baggage Insurance
• Auto Rental Collision and Loss Damage Insurance
• Common Carrier Accident Insurance
• Purchase Security and Extended Protection Insurance

CIBC Aeroplan Visa Infinite Privilege Card

Just like TD, CIBC also offers an Aeroplan Visa Infinite Privilege Card. With their welcome offer, you can receive a total of 60,000 points: 20,000 points when you make your first purchase, 30,000 points when you have  $7,000 or more in eligible net purchases charged in the first 4 months, and 10,000 points in a year if you have at least $15,000 in eligible purchases. You can also get first checked back free for a 2-passenger round trip arriving and departing Air Canada flight in the first year, Maple Leaf Lounge Access, a Nexus application fee rebate and 6 complimentary lounge visits with the Visa Companion Program.

With this card, the annual fee is $599 for the first card and $149 for each additional card up to 9 cards. That said, you can get a primary cardholder rebate of up to $139 annually if you have a CIBC Smart Account. The purchase interest rate is 20.99%, and the cash interest rate is 22.99%. The points you can earn include:

• 1.5 points for every $1 you spend on gas, EV charging, groceries, travel and dining purchases
• 2 points for every eligible dollar spent with Air Canada
• 1.25 points per dollar on all other purchases

The benefits include:

• Out of Province Emergency Travel Medical Insurance
• Trip Cancellation and Trip Interruption Insurance
• Flight Delay and Baggage Insurance
• Hotel Burglary Insurance
• Auto Rental Collision and Loss Damage Insurance
• Purchase Security and Extended Protection Insurance
• Mobile Device Insurance
• Common Carrier Accident Insurance
• First free checked bag for you and up to 8 users with Air Canada
• 6 complimentary lounge visits per year with the Visa Airport Companion Program
• Priority check-in, priority boarding and priority baggage handling for you and up to 8 companions on the same flight

American Express Aeroplan Card

The American Express Aeroplan Card is different from a traditional credit card; it’s actually a charge card, meaning that it has no preset spending limit. It has an annual fee of $120 and a $50 fee for additional cards. When you sign up now, you can earn up to 50,000 bonus Aeroplan points. You’ll earn 30,000 points when you spend $3,000 on your card in the first 3 months and 20,000 points when you spend $1,000 in month 13. 

Some of the benefits for American Express Aeroplan Cardmembers include;

• First checked bag free on Air Canada flights for up to 9 people
• Exclusive access to AMEX experiences
• 2x the points on eligible purchases with Air Canada
• 1.5X the points of eligible dining and food delivery purchases
• 1x the points on everything else
• Flight Delay Insurance
• Baggage Delay Insurance
• Lost or Stolen Baggage Insurance
• Hotel Burglary Insurance
• Car Rental Theft and Damage Insurance
• $500,000 Travel accident insurance
• Travel Emergency Assistance
• Purchase Protection Plan
• Buyer Assurance Protection Plan

CIBC Aeroplan Visa Infinite Card

Another CIBC credit card that offers some great travel benefits is the CIBC Aeroplan Visa Infinite Card. Just like with their other Aeroplan cards, they also have some welcome bonuses if you sign up now. These include:

• 10.000 Aeroplan points when you make your first purchase
• 20,000 Aeroplan points when you spend $5,000 or more in your first 4 months
• 10,000 points if you spend $10,000 or more in the first 12 months
• Free first-checked bag for up to 2 people on a round-trip flight with Air Canada in the first year
• One-time annual fee rebate for the primary cardholder and up to 3 additional users

The annual fee for this card is $139, and each additional cardholder is $50. The purchase interest rate is 20.99% and the cash interest rate is 22.99%. You can get up to $139 back in annual fees if you have a CIBC Smart Account. In order to qualify for this card, you have to meet the requirements of a personal income of $60,000 or a household income of $100,000. Other benefits included with this card are:

• 1.5 points for every $1 spent on gas, EV charging, grocery, and Air Canada purchases,  including Air Canada Vacations
• 1 point for every $1 on all other purchases
• 24-hour complimentary concierge services
• Complimentary upgrade to Avis Preferred Plus
• Out-of-Province Travel Medical Insurance
• Trip Cancellation and Trip Interruption Insurance
• Flight Delay and Baggage Insurance
• Hotel Burglary Insurance
• Auto Rental Collision and Loss Damage Insurance
• Purchase Security and Extended Protection Insurance
• Mobile Device Insurance
• Common Carrier Accident Insurance

TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card is good for those who have a personal income of at least 60,000 per year or a household income of $100,000 annually. The annual fee is $139, the purchase interest is 20.99% and the cash interest is 22.99%. If you’re approved for this card by January 6, 2025, then you can also be eligible for the special offer, which includes the following:

• 10,000 points on your first purchase
• 15,000 points when you $7,500 within 180 days of opening your account
• 15,000 points when you spend $12,000 in 12 months
• NEXUS rebate fee once every 48 months
• Annual rebate for the first year
• 1.5 points for every $1 spent on gas, grocery and Air Canada purchases  including vacation packages
• 1 point for every $1 spent on all other purchases
• Complimentary upgrade to Avis Preferred Plus
• Complimentary Visa Infinite Concierge
• Visa Infinite Luxury Hotel Collection
• Visa Infinite Dining Series
• Visa Infinite Wine Country Program
• Visa Infinite Entertainment Access
• Visa Infinite Troon Golf
• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Flight/Trip Delay Insurance
• Delayed and Lost Baggage Insurance
• Common Carrier Travel Accident Insurance
• Emergency Travel Assistance Services
• Auto Rental Collision/Loss Damage Insurance
• Hotel Burglary Insurance
• Mobile Device Insurance
• Purchase Security and Extended Warranty Protection
• TD Payment Plans

TD Aeroplan Visa Platinum Card

The TD Aeroplan Visa Platinum Card is another Aeroplan card from TD that has a special offer upon approval, but it has no income requirements. When you’re approved for the card by January 6, 2025, you can get:

• 10,000 Aeroplan points when you make your first purchase
• 10,000 Aeroplan points when you spend $1,000 within 90 days
• First-year annual fee rebates

The everyday benefits included with this card are:

• 1 point for every $1 you spend on eligible grocery, gas, and Air Canada purchases
• 1 point for every $1.50 you spend on all other purchases
• Delayed and Lost Baggage Insurance
• Flight/Trip Delay Insurance
• Common Carrier Travel Accident Insurance
• Auto Rental Collision/Loss Damage Insurance
• Emergency Travel Assistance Services
• Hotel/Motel Burglary Insurance
• Save with Avis and Budget Rent a Car
• Mobile Device Insurance
• Purchase Security and Extended Warranty Protection

American Express Aeroplan Business Reserve Card

If you’re in the market for an American Express Aeroplan card but have a business and are looking to unlock business travel possibilities, a good option is the American Express Aeroplan Business Reserve Card. This card has an annual fee of $599 for the primary cardholder and $199 for each additional card that earns points. The purchase interest rate is 21.99%, as is the cash interest rate. 

The points you can earn with this card are:

• 3x the points on Air Canada purchases
• 2x the points on eligible hotel and car rentals
• 1.25x the points on everything else

Other Benefits Include:

• Employee Card Misuse Protection
• Travel Emergency Assistance
• Out of Province/Country Emergency Medical Insurance
• Flight Delay Insurance
• Baggage Delay Insurance
• Lost or Stolen Baggage Insurance
• Hotel Burglary Insurance
• Car Rental Theft and Damage Insurance
• $500K Travel Accident Insurance
• Trip Cancellation Insurance
• Trip Interruption Insurance
• Purchase Protection Plan
• Buyer Assurance Protection Plan
• Maple Leaf Lounge Access
• Priority Pass
• Toronto Pearson International Airport Benefits
• Pearson priority security lane access
• Free first checked bag
• Priority Check-In
• Priority Boarding
• Priority Baggage Handling
• Priority Airport Standby
• Priority Airport Upgrades
• Access to American Express Experiences

Why Choose An Aeroplan Credit Card?

An Aeroplan credit card is a great idea for those who fly frequently with Air Canada and other airlines that use Aeroplan miles. Plus, if you already have an Aeroplan Membership Card then you can earn double the points. Having a credit card as well as an Aeroplan Membership Card also gets you closer to elite status. 

If you have a TD Aeroplan credit card, you can earn 1,000 status-qualifying miles for every $5,000 or $10,000 purchase you make. Other credit cards will have different requirements. No matter which one you have, though, you’ll be able to use those points for free flights and travel expenses, reducing how much you spend on travel. Depending on how much you spend on your credit card, you can also get one annual worldwide companion pass. 

Another perk that many people miss is the Air Canada travel benefits. With Aeroplan, you can get same-day standby. This means that you can waitlist for an earlier flight than the one you have booked and get a same-day ticket. You can also use your membership rewards points as monetary payment for flight purchases or use your flight rewards for partial redemption. How many Aeroplan points you need to purchase a flight depends on the flight. Some take fewer points, while others cost more. 

Final Thoughts

When it comes to Aeroplan credit cards, you don’t only have to consider what benefits the cards offer but also which cards you qualify for. You should also consider what the minimum limits are on these cards and how that compares to what you intend to use the card for. Ideally, with credit cards, you want to stick to a balance of 30% of your total limit or lower, so you usually don’t want a low-limit credit card if you’re looking to keep a good credit score while you earn points. 

When it comes to Aeroplan credit cards, though, you can’t really go wrong with which one you choose. They all have great earning potential for points and travel-related insurance benefits. Each one of these co-branded Aeroplan credit cards shows great potential for those who love to travel.