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The Ultimate Aeroplan Credit Card Portfolio
Last Updated: February 5, 2016

 

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PLEASE NOTE: THIS ULTIMATE PORTFOLIO WILL BE UPDATED SHORTLY AS ITEMS BELOW ARE OUT OF DATE


In this feature of Rewards Canada' Ultimate Credit Card Portfolios we look at the ultimate one for earning Aeroplan Points. We have always recommended that you should carry a Visa, a Mastercard and an American Express card in your wallet. The reason why is that there benefits, promotions and earning potential unique to each brand of credit card. We won't go into detail here as you can read all about it in our feature on how to Maximize your Miles and Points but here we outline one card from each brand that will help you build up those Aeroplan Points faster than ever. Ultimately there are various options that could be utilized for an Aeroplan portfolio but we look at one card from each issuing family that won't totally break the bank on annual fees but will provide strong Aeroplan mile earning along with very strong insurance benefits.

What is Rewards Canada's Ultimate Aeroplan Credit Card Wallet? It is the following three cards

Visa - TD® Aeroplan® Visa Infinite* Card

Mastercard - mbna Best Western Mastercard®

American Express - American Express® Gold Rewards Card

The TD Aeroplan Visa Infinite Card is an obvious choice as it is the primary card out there for Aeroplan. You could also get the CIBC version but seeing that TD is the primary issuer for Aeroplan we go with that card. The mbna Best Western Mastercard, seems an odd fit in the mix but it is the only Mastercard in Canada that gives you an Aeroplan option. Best Western Rewards points can be converted to Aeroplan at a rate of 1 BW Rewards Points to 0.3 Aeroplan Points. The final card filling in the American Express spot is the American Express Gold Rewards Card. While Amex has a large Aeroplan card portfolio the American Express Gold Rewards Card is in fact the strongest Aeroplan mile earning card on the market when you use it properly at select merchants.

Related: Which credit card earns the most Aeroplan Points?

How to maximize your Aeroplan earning with these cards

Let's look at category bonuses first. Both the American Express Gold Rewards card gives you extra points at Grocery Stores, Drug Stores and Gas Stations. While the TD Aeroplan Visa Infinite card provides extra on Grocery Stores and Gas Stations. How much extra? The Amex Gold Rewards gives 2 points per dollar while the TD card provides 1.5 points per dollar. So if the retailer you are at in these three categories accepts American Express, put that purchase on the Gold Rewards Card to earn the full 2 Points per dollar. If they don't, then of course put it on the TD Aeroplan card. The other category bonus is travel, the American Express Gold Rewards card offers 2 points per dollar on travel purchases while the TD card offers 1.5 points on Air Canada purchases. You should try to funnel all your travel purchases onto the American Express card if you can.


The only place you'll really look at using the Best Western Rewards Mastercard is at retailers that only accept Mastercard. The best known of those retailers in Canada is Costco. Use your Best Western card here and in reality nowhere else as you'll earn more Points with the other two cards. Can you get better value out of other Mastercards at Costco? Absolutely but if you are only focused on Aeroplan Points, then the BW card is the way to go.

All the other spending you have will be at non-category bonus retailers so those purchases can be put on either your TD Aeroplan Card or the American Express Gold Rewards Card. We would recommend the latter if they accept Amex. Why? You are building a balance in your American Express Membership Rewards account (which of course transfer instantly 1:1 to Aeroplan) but you can utilize Amex's TripFlex feature to pay for your taxes and fees on those Aeroplan award tickets when you redeem for them! That's right, you've now earned tons of Points utilizing these three cards but don't need to boost your Aeroplan balance more so now you can use the flexibility of Amex's Membership Rewards points to cover other travel charges like the fees on Aeroplan award tickets.

Related: Which credit cards can be used to cover award ticket taxes, fees and surcharges?

The Ultimate Aeroplan Credit Card Portfolio:

Card Card Features



TD® Aeroplan® Visa Infinite* Card

Online exclusive
Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.

Annual Fee $139
Additional Cards: $75 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to $1,400 in value† including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by September 5, 2022.

  • 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 $1,500 within 90 days of Account opening†
  • Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†
  • Plus, get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 6, 2022.
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
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.

Apply Now

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.




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.


Apply Now

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).
‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions.
†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.



American Express® Gold Rewards Card


Card Type: Credit Card
Annual Fee: $250 Additional Card Fee: $0 for first additional a card, $50 for all others
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• Unlock Travel Possibilities
•  Earn up to 70,000 Membership Rewards® points - that’s $700 towards a rental car or shopping spree

  • New American Express® Gold Rewards Cardmembers can earn a Welcome Bonus of 50,000 points when you charge $3,000 in purchases to your Card in your first 3 months of Cardmembership. Offer ends September 20, 2022 Welcome Offer:
  • You can also earn a total of 10 points for every $1 on eligible eats & drinks purchases for the first 3 months of Cardmembership (up to 20,000 points). Offer ends September 20, 2022. When your Welcome Offer ends, you will continue to earn at the standard earn rates applicable to your purchases

• Standard Earn Rate: Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
•  Standard Earn Rate: Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
•  The Card is now available in your choice of Gold or Rose Gold metal options
•  Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
•  You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
•  As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM  – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
•  Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
•  Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
•  Transfer points 1:1 to several frequent flyer and other loyalty programs
•  1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
•  Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
•  *American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Apply Now

Related: American Express Gold Rewards Card Review / TD Aeroplan Visa Infinite Card Review

Other Card Options:

You can boost your earning even more if you are willing to pay higher annual fees on some of the cards or add on extra cards. For example if you take on the TD Aeroplan Visa Infinite Privilege Card you'll be able to boost your basic spending earning (non-category bonus) to 1.25 Aeroplan Points per dollar. The same goes for American Express, you can grab the American Express Aeroplan Reserve Card to earn 1.25 Aeroplan Points per dollar on basic spending. Still you can see where the Gold Rewards Card may just come out ahead with it's 2 Points per dollar in its category bonuses. Of course we aren't really taking into consideration the additional benefits that come with the Infinite Privilege or the Amex Reserve card.

Talk to us!

What do you find works best for you for earning the most Aeroplan Points? Do you use these three cards exactly as laid out above or do you use a different combination? Tell us in the comments section below or join the conversation on Facebook and Twitter!

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