Being one of Canada's largest, most popular and best known loyalty programs, Air Canada Aeroplan garners a lot of attention. That's even the case here with Rewards Canada readers as one of the more common questions we receive is what is the best Aeroplan credit card to get since there are so many options? That's why we've created this page to narrow down those options for you. It still doesn't come down to one card however but the choices are definitely thinned out. What it will come down to is what you are trying to achieve with Aeroplan. Are you looking to solely earn as many Aeroplan points as possible? We list that here. Are you looking to earn points but also want to receive benefits for flying with Air Canada? Done, you'll want the most well rounded Aeroplan card. Are you looking to earn Aeroplan points but don't want to pay an annual fee? That's listed here. Want to enjoy lots of elite status type travel benefits? Go for the ultra premium card. Finally want to be able to earn Aeroplan points at Costco? We list the only card in Canada that will do that for you.
Quick jump to each of the categories on this page:
The most well rounded Air Canada Aeroplan credit card in Canada is the TD Aeroplan Visa Infinite Card. It has an excellent welcome bonus in place right now of up to 50,000 Aeroplan points and the first year annual fee waived on primary and additional cards. Those 50,000 points are worth, at a minimum, $750. The card also has decent Aeroplan earn rates, provides Aeroplan award flight preferred pricing, gives you your first checked bag free on Air Canada flights, has a good insurance benefits package and more. Like we said this the most well rounded Aeroplan card in Canada.
The welcome bonus of 50,000 Aeroplan Points coupled with no annual fee in the first year provides huge value
Aeroplan Miles are very valuable when redeeming for business class and first class flights
A strong earn rate is offered on this card of 1 to 1.5 Aeroplan Miles per dollar spent
Extra benefits like preferred pricing on Aeroplan award flights, first checked bag free on Air Canada flights & more!
Annual Fee $139
Limited Time Offer
This offer is not available for residents of Quebec. For Quebec residents, please click here.
† Terms and Conditions apply.
If you are solely about earning as many Aeroplan points as possible this is the card you want. The American Express Cobalt Card will earn you the most Aeroplan points hands down. The card earns Membership Rewards points which can be transferred on a 1:1 basis to Aeroplan which means its 1 to 5x points earn rates translate to 1 to 5 Aeroplan points per dollar spent. No other card in Canada earns 5 Aeroplan points per dollar and the categories where it earns 5x points are eats and drinks. That is grocery stores, restaurants, bars, coffee shops and even food delivery. Take it from us, this is the card the Rewards Canada family uses the most. Mom, dad and both kids all have the Cobalt Card in our wallets. We also have a complete feature called Which credit card earns the most Aeroplan Points which you should also read as it shows you earn rates across various categories. The Cobalt Card takes top spot in 5 out of 7 of those categories. Ideally you would want to also get an actual Aeroplan co-brand card (like the TD Aeroplan card above) since the co-brand cards give you a discount on Aeroplan reward flights. By having the Cobalt Card and an Aeroplan co-brand card not only do you maximize you earning but you also maximizing your redeeming. Want to see all the places you can earn 5x points with the Cobalt Card? Simply visit our American Express Cobalt™ Card Confirmed Multiplier Locations page
Earn up to 30,000 welcome bonus points in your first year of having the card (equates to 30,000 Aeroplan points)
Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart
Hint: Use Instacart to bypass Costco, Loblaws, Real Canadian Superstore, and other Loblaw family of stores non-acceptance of American Express
Earns 3x Points per dollar on select streaming services
Earns 2x Points on travel, gas and transit
Convert points to Air Canada Aeroplan on a 1:1 basis (Points transfer almost instantaneously)
American Express Cobalt® Card
2022 Overall Top Travel Rewards Card
2022 Top Hybrid Travel Rewards Card
2022 Top Cash Back Card
This is the best overall credit card in Canada!
Monthly Fee $12.99/month of Cardmembership ($155.88 annually) Additional Cards: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances
• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
• Transfer points 1:1 to several frequent flyer and other loyalty programs
For some people getting a credit card is less about the rewards and more about the benefits. That's where Ultra Premium cards come into play. Not that they are poor in the earn department, no in fact most Ultra Premium Cards have very good earn rates but just not as high as cards like the Cobalt Card. So that's where this card comes in, not only will the American Express Aeroplan Reserve Card earn you a decent amount of points but it will give you a lot of great extras when you fly with Air Canada. Priority check in, Priority Boarding, Priority Baggage Handling and one of the most coveted benefits: Air Canada Maple Leaf Lounge access plus a Priority Pass membership to access lounges in airports where Air Canada may not have a lounge. That's only a short list of the benefits. There's much more including first checked bag free, strong insurance coverage and so forth.
Earn up to a total of 85,000 welcome bonus Aeroplan points when you get the card
Earn 3 points per dollar spent on Air Canada purchases (including Air Canada Vacations
Maple Leaf Lounge access in North America and Priority Pass membership
Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date
Priority Check-in, Priority Boarding, Priority Baggage Handling, First checked bag free and more!
• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:
You could consider the American Express Green Card as the younger sibling of the American Express Cobalt Card. It is one of only three cards in Canada that you can earn Aeroplan points with and not pay an annual fee. We consider this one the best as it has the best earn rates out of those three cards. The card earns 1 Membership Rewards point per dollar spent on all purchases and since you can convert those points to Aeroplan on a 1:1 basis it effecitively earns 1 Aeroplan point per dollar spent.
Provides the utmost in rewards flexibility with a trio of travel redemption options and redeem for any purchase made on the card (ie cash back)
Earns 1 point per dollar on all spending.
The welcome bonus of 10,000 points is equivalent to 10,000 Aeroplan points
American Express® Green Card
Card Type: Credit Card
Annual Fee: $0
Additional Card Fee: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%
• Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
•As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 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
There is one Mastercard in Canada that you can earn Aeroplan points with - well not directly but similar to the Amex cards above the MBNA Best Western Mastercard allows you to convert the points earned into Aeroplan points. The card earns Best Western Rewards points whichcan be converted to Aeroplan at a 5 to 1 ratio. That works out to 0.2 Aeroplan points per dollar spent except at Best Western Hotels where it works out 1 Aeroplan point per dollar. Not ideal but it's an option to fill that spot in your wallet for the merchants that only accept Mastercard - namely Costco. And considering it has no annual fee there's no carrying costs associated with it.
It's a Mastercard so you can use it at Costco
Earns 1 to 5 Best Western Rewards Points per dollar spent which translates to 0.2 to 1 Aeroplan points
The welcome bonus of 20,000 points works out to 4,000 Aeroplan points
It has not annual fee
mbna Best Western Mastercard®
• Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
• Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
• Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
• You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
• No limit to the Best Western Rewards® points that can be earned using the credit card in a year
• Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.
• Standard Annual Interest Rates of 19.99% on standard purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
• No annual fee
• Minimum Credit Score: 680
• This offer is not available for residents of Quebec. For residents of Quebec, please click here.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button.
✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
Finally here is a list of all the cards in Canada the either earn Aeroplan points directly or provide options to convert to Aeroplan:American Express® Aeroplan®* Card (C$1 = 1 to 2 Aeroplan Points)
There you have it! The best Aeroplan cards in Canada!