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The Best Aeroplan Credit Cards - March 2024

Last updated: March 5, 2024



Best Aeroplan Credit Cards

As 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.

Quick jump to each of the categories on this page:


Canadian Loyalty Programs

The most well rounded Aeroplan card


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. 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.


TD® Aeroplan® Visa Infinite* Card

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Why this is the most well rounded Aeroplan card

The welcome bonus of 50,000 Aeroplan Points

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!

 


TD Aeroplan Visa Infinite Card Top Airline Credit Card

TD® Aeroplan® Visa Infinite* Card

2024 Top Airline Credit Card
Earn up to $1,200 in value† including up to 50,000 Aeroplan points†
Conditions Apply. Account must be approved by June 3, 2024.

Annual Fee $139 | Additional Cards: $75 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income



Terms & Conditions apply




Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†
  • Plus, share free first checked bags with up to 8 travel companions†

Earning Aeroplan Points

  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more.
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
  • Click here to apply for TD Aeroplan Visa Infinite Card

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

† Terms and Conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.


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Earn Aeroplan Points

The best card for earning the most possible Aeroplan points


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


American Express Cobalt™ Card


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Why is this the best points earning card?

Earn up to 15,000 welcome bonus points in your first year of having the card (equates to 15,000 Aeroplan points)

Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart

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

Top Overall Travel Rewards Credit Card Top Hybrid Travel Credit

American Express Cobalt® Card

2024 Top Overall Travel Rewards Card | 2024 Top Hybrid Travel Rewards Card
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

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

  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3x the points on eligible streaming subscriptions in Canada
  • Earn 2x the points on eligible ride shares, transit & gas in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online 
  • Earn 1x point for every $1 in Card purchases everywhere else
  • Enjoy access to hotel bookings, and up to $100 USD hotel credit  to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
  • 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
  • Click here to apply for the American Express Cobalt Card

Best Ultra Premium Aeroplan Card

The Best Ultra Premium Aeroplan Card


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 TD Aeroplan Visa Infinite Privilege 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.

TD Aeroplan Visa Infinite Privilege
TD® Aeroplan® Visa Infinite Privilege* Card

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Why is this the best Ultra Premium card?

Earn up to a total of 85,000 welcome bonus Aeroplan points when you get the card

Earn 2 points per dollar spent on Air Canada purchases (including Air Canada Vacations)

Maple Leaf Lounge access in North America and Visa Airport Companion membership with 6 annual passes

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!

 


TD Aeroplan Visa Infinite  PrivilegeCard Top Ultra Premium Credit Card

TD® Aeroplan® Visa Infinite Privilege* Card

Canada's Choice for Top Ultra Premium Credit Card 2023
Earn up to $2,900 in value† including up to 85,000 Aeroplan points† and additional travel benefits. .
Conditions Apply. Account must be approved by June 3, 2024.

Annual Fee $599 | Additional Cards: $199 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $150,000 annual personal income or $200,000 annual household income



Terms & Conditions apply




Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†
    Additional Travel Benefits
  • Enroll for NEXUS and once every 48 months get an application fee rebate†
  • Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.†

  • Earn Aeroplan Points on your everyday purchases
  • Take advantage of an extensive suite of travel insurance.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore)

  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.

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

† Terms and Conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.






No Fee Aeroplan card

The Best No Annual Fee Aeroplan Card


You could consider the American Express Green Card as the younger sibling of the American Express Cobalt Card. It is one of only two 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.


American Express Green Card


Apply Now

 


Why is this the best no annual fee card?

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

Recommended reading: Clash of the Credit Cards! American Express® Green Card vs. CIBC Aeroplan® Visa* Card


American Express Green Card

Top No Fee Travel Rewards Credit Card

American Express® Green Card

2023 Top No Fee Travel Rewards Credit Card
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.  That’s $100 towards groceries or concert tickets

Annual Fee: $0 | Additional Card Fee: $0 | Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 25.99% - 28.99% Variable



Terms & Conditions apply




  • 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
  • Click here to apply for the American Express Green Card


Small Business Aeroplan card

The Best Small Business Aeroplan Card


The American Express Aeroplan Business Reserve Card is one of only a few Ultra Premium business cards in Canada. Since it is an Ultre Premium card, not only do you get really good earn rate but you get amazing features,benefits and 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.


American Express® Aeroplan®* Business Reserve Card


Apply Now

 


Why is this the best small business Aeroplan card?

The huge welcome bonus of up to 90,000 Aeroplan points

Earns 3 point per dollar on Air Canada purchases

First checked bag free, Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada

Maple Leaf lounge access plus Priority Pass membership

 


American Express Aeroplan Reserve Card



American Express® Aeroplan®* Business Reserve Card

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

Annual Fee: $599 | Additional Card Fee: $199 for Aeroplan®* Business Reserve Cards to share some of the benefits and earn Aeroplan points faster, $0 for Aeroplan®* Business Reserve No Fee Cards to earn points faster | Annual interest rate 19.99% on purchases



Terms & Conditions apply




Earn up to 90,000 Welcome Bonus Aeroplan®* points

  • Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
  • Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
  • Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
  • Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment



All the cards that earn Aeroplan points

All the cards in Canada that earn Aeroplan points


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)
American Express® Aeroplan®* Reserve Card (C$1 = 1 to 3 Aeroplan Points)
American Express Cobalt Card
(C$1 = 1 to 5 Aeroplan Points)
American Express Green Card (C$1 = 1 Aeroplan Point)
American Express Gold Rewards Card(C$1 = 1 to 2 Aeroplan Points)
CIBC Aeroplan® Visa Infinite* Card (C$1 = 1 to 1.5 Aeroplan Points)
CIBC Aeroplan® Visa Infinite Privilege* Card (C$1 = 1.25 to 2 Aeroplan Points)
CIBC Aeroplan® Visa* Card (C$1 = 0.67 to 1 Aeroplan Point)
Marriott Bonvoy™ American Express®* Card (C$1 = 0.67 to 2.08 Aeroplan Points)
Platinum Card from American Express (C$1 = 1 to 3 Aeroplan Points)
TD® Aeroplan® Visa Infinite* Card (C$1 = 1 to 1.5 Aeroplan Points)
TD® Aeroplan® Visa Platinum* Card (C$1 = 0.67 to 1 Aeroplan Point)
TD® Aeroplan® Visa Infinite Privilege* Card (C$1 = 1.25 to 2 Aeroplan Points)

Source: Complete list of Airline & Hotel loyalty programs that you can earn miles or points in with Canadian Credit Cards


There you have it! The best Aeroplan cards in Canada!

Feel free to explore our site for many more articles, tips and tricks for credit cards and loyalty programs in Canada!

 



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