The New Aeroplan credit cards compared

Last Updated on January 4, 2023
First posted on November 27, 2020

Here we have the new Air Canada Aeroplan cards compared side by side. You can easily check out all their benefits, point earnings, insurance and more from the four versions of their cards: Premium, Ultra Premium, Entry Level and Small Business.

Premium Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Card Type	Charge Card	Credit Card	Credit Card
Annual Fee	$120	$139	$139
Supplementary Card Fee	$50 with benefits $0 to earn points only	$50	$75
Interest Rate	30% Non Revolving	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$60,000 Personal or $100,000 Household	$60,000 Personal or $100,000 Household

Points Earning	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Welcome Bonus	*New American Express® Aeroplan® Cardmembers can earn up to 50,000 Aeroplan points: New American Express® Aeroplan®* Cardmembers can earn up to 50,000 Aeroplan points:** Earn 35,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first 6 months of Cardmembership Plus, earn 2,500 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first 6 months of Cardmembership. That could add up to 15,000 Aeroplan points	20,000 Aeroplan points and a bonus Buddy Pass for an eligible round-trip flight within North America after spending $1,000 in purchases within the first four months of Cardmembership	Earn up to $1,500 in value† including up to 55,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by May 28, 2023. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† Earn 30,000 Aeroplan points when you spend $5,000 within 180 days of Account opening† Plus, earn an additional 15,000 Aeroplan points when you spend $7,500 within 12 months of Account opening This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	2 points	1.5 points	1.5 points
Travel Purchases per $	1 point	1 point	1 point
Dining / Food Delivery Purchases per $	1.5 points	1 point	1 point
Grocery Purchases per $	1 point	1.5 points	1.5 points
Gas Station Purchases per $	1 point	1.5 points	1.5 points
All other purchases per $	1 point	1 point	1 point
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card

Benefits	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	No	No	Up to $100 every 48 months
Maple Leaf Lounge Access	No	No	No
Other business class lounge Access	No	No	No
Priority check in / boarding / baggage	No	No	No
Priority airport standby	No	No	No
Priority airport upgrades	No	No	No
Annual worldwide companion pass	No	No	No
Rollover status qualifying miles	No	No	No
Rollover eUpgrade credits	No	No	No

Insurance	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $500 total	4 hours up to $500 total	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours up to $500 total	6 hours $500 per person Max $1,000 per occurance	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $500 total	Yes up to $500 per person Max $1,000 per occurance	Yes up to $1,000 per person
Damaged Baggage Insurance	Yes up to $500 total	Yes up to $500 per person Max $1,000 per occurance	No
Trip Cancellation Insurance	None	Yes $1,500 per person up to $5,000 maximum per account	Yes $1,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	None	Yes $2,000 per person	Yes $2,500 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	None	15 Days Up to $5,000,000	21 Days Up to $1,000,000
Travel Medical Insurance 65+	None	3 Days Up to $5,000,000	4 Days Up to $1,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $500 per occurance	Yes Up to $2,500 per occurance	Yes Up to $2,500 per occurance
Purchase Protection	Yes 90 Days Max $1,000 per occurance	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,000 less deductible and depreciation	Yes Up to $1,000 less deductible and depreciation
Link to apply

Ultra Premium Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Card Type	Credit Card	Credit Card	Credit Card
Annual Fee	$599	$599	$599
Supplementary Card Fee	$199 with benefits $0 to earn points only	$149	$199
Interest Rate	19.99% Purchase 21.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$150,000 Personal or $200,000 Household	$150,000 Personal or $200,000 Household

Points Earning	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Welcome Bonus	*New American Express® Aeroplan® Reserve Cardmembers can earn up to 85,000 Aeroplan points:** Earn 55,000 Aeroplan points after spending $6,000 in net purchases on your Card within the first 6 months of Cardmembership Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first 6 months of Cardmembership. That could add up to 30,000 Aeroplan points	Up to 75,000 Aeroplan points Earn 20,000 Aeroplan points when you make your first purchase Earn 25,000 Aeroplan points when you spend $3,000 or more during your first 4 monthly statement periods You can also earn an additional 2,500 Aeroplan points each monthly statement period in which you spend at least $2,000 in your first year.	Earn up to $3,100 in value† including up to 115,000 Aeroplan points and additional travel benefits. Must apply by May 28, 2023. Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card† Earn an additional 60,000 Aeroplan points when you spend $7,500 within 180 days of Account opening† Plus, earn an anniversary bonus of 35,000 Aeroplan points when you spend $12,000 within 12 months of Account opening. This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	N/A	N/A
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	3 points	2 points	2 points
Travel Purchases per $	1.25 points	1.5 points	1.5 points
Dining / Food Delivery Purchases per $	2 points	1.5 points	1.5 points
Grocery Purchases per $	1.25 points	1.5 points	1.5 points
Gas Station Purchases per $	1.25 points	1.5 points	1.5 points
All other purchases per $	1.25 points	1.25 points	1.25 points
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card

Benefits	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	Up to $100 every 48 months	Up to $50 every 48 months	Up to $125 every 48 months
Maple Leaf Lounge Access	Yes In North America only (includes Air Canada Cafe)	Yes In North America only (includes Air Canada Cafe)	Yes In North America only (includes Air Canada Cafe)
Other business class lounge Access	Priority Pass Membership	Visa Airport Companion with 6 free lounge visits	Visa Airport Companion with 6 free lounge visits
Priority check in / boarding / baggage	Yes Zone 2 Priority Boarding	Yes Zone 2 Priority Boarding	Yes Zone 2 Priority Boarding
Priority airport standby	Yes	Yes	Yes
Priority airport upgrades	Yes Only if you hold Elite Status	Yes Only if you hold Elite Status	Yes Only if you hold Elite Status
Annual worldwide companion pass	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date
Toronto Pearson Benefits	Yes	No	No
Rollover status qualifying miles	Yes Up to 200,000 miles	Yes Up to 200,000 miles	Yes Up to 200,000 miles
Rollover eUpgrade credits	Yes Up to 50 credits	Yes Up to 50 credits	Yes Up to 50 credits

Insurance	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $1,000 total	4 hours $500 per person Max $1,000 per occurance	4 hours up to $1,000 total
Delayed Baggage Insurance	6 hours up to $1,000 total	6 hours $500 per person Max $1,000 per occurance	4 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $1,000 total	Yes up to $1,000 per person Max $2,500 per occurance	Yes up to $2,500 per person
Damaged Baggage Insurance	Yes up to $1,000 total	Yes up to $1,000 per person Max $2,500 per occurance	No
Trip Cancellation Insurance	Yes $1,500 per person up to $3,000 maximum per account	Yes $2,500 per person up to $10,000 maximum per account	Yes $2,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	Yes $1,500 per person up to $6,000 maximum per account	Yes $5,000 per person up to $25,000 maximum per account	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	15 Days Up to $5,000,000	31 Days Up to $5,000,000	31 Days Up to $5,000,000
Travel Medical Insurance 65+	None	10 Days Up to $5,000,000	4 Days Up to $5,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $85,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $1,000 per occurance	Yes Up to $2,500 per occurance	Yes Up to $2,500 per occurance
Purchase Protection	Yes 90 Days Max $1,000 per occurance	Yes 180 Days Max $60,000 in a lifetime	Yes 120 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 2 years Max $60,000 in a lifetime	Yes Up to 2 years Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,500 less deductible and depreciation	Yes Up to $1,500 less deductible and depreciation
Link to apply

Entry Level Aeroplan Credit Card Comparison

Basics	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Card Type	Credit Card	Credit Card
Annual Fee	$0	$89
Supplementary Card Fee	$0	$35
Interest Rate	19.99% Purchase 22.99% Cash Advance	19.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%
Minimum Income	$15,000 Household	N/A

Points Earning	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Welcome Bonus	10,000 Aeroplan points when you make your first purchase with the card	Earn up to $500 in value† (assuming you add an Additional Cardholder to your account in the first year) as follows: Earn up to 20,000 Aeroplan points. Earn 10,000 points when you make your first purchase with the card and 10,000 points after spending $1,000 in purchases within the first 90 days of account opening. Must apply by May 28, 2023 This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Plus, get an annual fee rebate for the primary and up to 3 additional cardholders for the first year
Renewal Bonus	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	1 point	1 point
Travel Purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Dining / Food Delivery Purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Grocery Purchases per $	1 point	1 point
Gas Station Purchases per $	1 point	1 point
All other purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Elite Qualifying Points	N/A	N/A

Benefits	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes
Free first checked bag	No	No
Share Air Canada Travel Benefits with additional cardholders	No	No
NEXUS Fee Rebate	No	No
Maple Leaf Lounge Access	No	No
Other business class lounge Access	No	No
Priority check in / boarding / baggage	No	No
Priority airport standby	No	No
Priority airport upgrades	No	No
Annual worldwide companion pass	No	No
Rollover status qualifying miles	No	No
Rollover eUpgrade credits	No	No

Insurance	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Common Carrier Travel Accident Insurance	$100,000	$500,000
Flight Delay Insurance	No	4 hours up to $500 per person
Delayed Baggage Insurance	No	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	No	Yes up to $1,000 per person
Damaged Baggage Insurance	No	No
Trip Cancellation Insurance	No	No
Trip Interruption Insurance	No	No
Travel Medical Insurance up to 64 years old	No	No
Travel Medical Insurance 65+	No	No
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	No	Yes Up to $2,500 per occurance
Purchase Protection	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,000 less deductible and depreciation
Link to apply

Small Business Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Card Type	Credit Card	Credit Card	Credit Card
Annual Fee	$599	$180	$149
Supplementary Card Fee	$199 with benefits $0 to earn points only	$50	$49
Interest Rate	16.99% Purchase 21.99% Cash Advance	12.99% Purchase 14.5% & up Cash Advance	14.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$35,000 Personal	N/A

Points Earning	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Welcome Bonus	*Earn up to 85,000 Welcome Bonus Aeroplan® points** Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first three months of Cardmembership. Plus, earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.	Up to 20,000 Aeroplan points on your first purchase and a bonus Buddy Pass for an eligible round-trip flight within North America after spending $3,000 in purchases within the first four months of Cardmembership	Earn up to $1,450 in value† including up to 30,000 Aeroplan points, no annual fee for the first year, and additional travel benefits. Must apply by March 6, 2022. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† Earn 2x the Aeroplan points for the first 3 months up to 20,000 Aeroplan points† Earn a Bonus Buddy Pass† that can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass when you spend $1,000 within 90 days of Account opening, and you have a whole year to use it† Get an annual fee rebate for the first year†. Must apply by March 6, 2022. This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	3 points	2 points	2 points
Travel Purchases per $	2 points (Hotels & Car rentals)	1.5 points	1.5 points
Dining / Food Delivery Purchases per $	1.25 points	1.5 points	1.5 points
Internet / Cable / Phone Purchases	1.25 points	1.5 points	1.5 points
Grocery Purchases per $	1.25 points	1 point	1 point
Gas Station Purchases per $	1.25 points	1 point	1 point
All other purchases per $	1.25 points	1 point	1 point
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card

Benefits	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	No	No	Up to $100 every 48 months
Maple Leaf Lounge Access	Yes In North America only (includes Air Canada Cafe)	Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year	Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year
Other business class lounge Access	Priority Pass Membership	No	No
Priority check in / boarding / baggage	Yes Zone 2 Priority Boarding	No	No
Priority airport standby	Yes	No	No
Priority airport upgrades	Yes Only if you hold Elite Status	No	No
Annual worldwide companion pass	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	No	No
Toronto Pearson Benefits	Yes	No	No
Rollover status qualifying miles	Yes Up to 200,000 miles	No	No
Rollover eUpgrade credits	Yes Up to 50 credits	No	No

Insurance	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $1,000 total	4 hours up to $500 total	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours up to $1,000 total	6 hours $500 per person Max $1,000 per occurance	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $1,000 total	Yes $500 per person Max $1,000 per occurance	Yes up to $1,000 per person
Damaged Baggage Insurance	Yes up to $1,000 total	Yes $500 per person Max $1,000 per occurance	No
Trip Cancellation Insurance	Yes $1,500 per person up to $3,000 maximum per account	Yes $1,000 per person up to $5,000 maximum per account	Yes $1,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	Yes $1,500 per person up to $6,000 maximum per account	Yes $2,000 per person	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	15 Days Up to $5,000,000	None	15 Days Up to $2,000,000
Travel Medical Insurance 65+	None	None	4 Days Up to $2,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $1,000 per occurance	No	Yes Up to $2,500 per occurance
Purchase Protection	Yes 90 Days Max $1,000 per occurance	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	No	Yes Up to $1,000 less deductible and depreciation
Link to apply

† Terms and Conditions apply.

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