Aeroplan credit cards are credit cards that give airline rewards points to Canadians when used. Currently, there are several Aeroplan credit cards competing for your business and offering tempting sign-up bonuses to gain your attention. By applying for any of the following credit cards, you can take advantage of their attractive sign-up bonuses and be able to accumulate even more Aeroplan points.
How Much Are Aeroplan Points Worth?
Aeroplan points vary in value depending on what you use them for. For example, with the CIBC cards you can redeem:
- 6,500 Aeroplan points for a $50 Gift Card which equals $0.008 per point.
- 15,000 Aeroplan points for a One-Way short-haul flight in economy class on Air Canada. Depending on where you go, flights can cost anything between $99 to $800 or more. As such, the value you get for each point ($0.006 – $0.05 per point) will differ.
A good way for you to evaluate the value of your Aeroplan points is by dividing the number of points you redeem against the price of the item you redeem.
Everything you need to know about the new Aeroplan program.
How To Choose The Best Aeroplan Credit Card?
When it comes to choosing the best Aeroplan credit card for your unique needs, these are the top five factors you should consider.
- Bonus size. Always wait for an Aeroplan bonus involving 25,000 miles not only 15,000 points. Waiting for a unique and profitable deal will be worth it.
- Welcome bonuses. Make sure to choose the deal with the lowest spending requirement, if not, make sure you have the time and means to pay off your credit card.
- Is the annual fee waived? While most credit cards that offer Aeroplan rewards charge annual fees, you should always look for deals where the annual fee is waived.
- Can you transfer the points? Take a look at other credit card reward programs that allow users to transfers other types of points into Aeroplan points.
- How do you earn points? Every credit card offers more points on certain spending categories. Depending on how you use your credit card, one may be able to earn you more Aeroplan points than another.
Aeroplan Credit Card Overview
| Annual Fee | APR | Income Requirement | Welcome Bonus | |
| American Express Gold Rewards Card | $150 | 30% AIR | N/A | Earn up to 25,000 Membership Reward points |
| American Express Aeroplan Card | $120 | 30% AIR | N/A | Earn up to 75,000 Aeroplan points |
| American Express Aeroplan Reserve Card | $599 | 19.99% | N/A | Earn up to 150,000 Aeroplan points |
| TD Aeroplan Visa Infinite Privilege Card | $399 | 20.99% | $200,000 household | – Earn up to 50,000 Aeroplan points – A bonus Buddy Pass |
| TD Aeroplan Visa Infinite | $139 | 20.99% | – $60,000 personal – $100,000 household | – Earn up to 20,000 Aeroplan points – A bonus Buddy Pass |
| CIBC Aeroplan Visa Infinite Card | $139 | 20.99% | – $60,000 personal – $100,000 household | – Earn up to 20,000 Aeroplan point – First-year annual fee rebate |
| CIBC Aeroplan Visa Infinite Privilege Card | $599 | 19.99% | – $150,000 personal – $200,000 household | Earn up to 75,000 Aeroplan points |
| CIBC Aeroplan Visa Card | $0 | 19.99% | $15,000 household | Earn up to 10,000 Aeroplan points |
Note: due to the changes Aeroplan is making to their current points system, CIBC, TD and CIBC are making changes to their Aeroplan credit cards. On November 8th TD and CIBC will be relaunching some of their current Aeroplan credit cards with new benefits and enhancements and American Express will be launching three new cards.
Check out more travel credit cards here.
American Express Aeroplan Credit Cards
American Express offers three great Aeroplan credit cards that you can take advantage of right now.
- American Express Aeroplan Card
- American Express Aeroplan Reserve Card
- American Express Gold Rewards Card
American Express Gold Rewards Card
| Annual Fee | $150 |
| APR | 30% |
| Funds Advance Fee | 3% |
| Welcome Bonus | 25,000 Membership Reward points |
While most credit cards provide between 1 to 1.5 points per dollar spent on eligible grocery stores, gas stations, pharmacies, and on certain travel expenses, Amex Personal Gold provides 2 Membership Reward points. All other purchases on your card will earn you 1 Membership Reward point for every dollar spent. Moreover, American Express is currently offering a bonus reward of 25,000 welcome bonus Membership Reward points when you spend $1,500 within the first 3 months of getting your card.
This card is great as it provides great benefits and redemption flexibility. With Amex Personal Gold you can not only redeem your points to shop for electronics, clothes, gifts cards, or cover your purchases made on your card but, you can also transfer your points to any participating Frequent Flyer Program including Aeroplan. At Amex, 1 Membership Reward point is equivalent to 1 Aeroplan point. Moreover, points can be redeemed through the Fixed Points Travel Program which will cover a base price for eligible flights. For example, a flight from Montreal to New York will cover a ticket price of $300 (max) for 15,000 points.
Extra Features
- Travel insurance coverage –Whether your flight is delayed (up to $500 in coverage) or cancelled (up to $1,500 in coverage) you’ll be protected. The Amex Personal Gold card also provides medical insurance up to 5,000,000 million.
- Shopping insurance – With Amex Personal Gold, you can be credited up to $1,000 dollars for the items (if eligible) stolen.
Eligibility Requirements
In order to apply, you must be a Canadian resident who is at least the age of majority in your province. You must also have a credit file to be eligible for the Amex Personal Gold card.
American Express Aeroplan Card
| Annual Fee | $120 |
| APR | 30% |
| Funds Advance Fee | 3% |
| Welcome Bonus | Up to 75,000 Aeroplan points |
The American Express Aeroplan card comes with an annual fee of $120. You can earn 1.5 points per dollar on dining and food delivery purchases, 2 points on Air Canada purchases and 1 point on all other purchases. Those who open an American Express Aeroplan card will be eligible to earn up to 15,000 welcome bonus Aeroplan points, plus a bonus Buddy Pass.
This card also comes with some great features and benefits. You’ll have access to exclusive Amex experiences, the ability to reach Aeroplan elite status quickly, and you’ll have financial flexibility with the no pre-set spending limit.
Extra Features
- Travel insurance coverage –This card offers seven types of travel insurance including flight or baggagedelay insurance, car rental theft and damage insurance, travel accident and emergency assistance insurance and more.
- Shopping Insurance – You’ll also be insured against accidental damage or theft to items you’ve purchased on the card.
Eligibility Requirements
- To apply, you must be a Canadian resident with a credit file.
American Express Aeroplan Reserve Card
| Annual Fee | $599 |
| APR | 19.99% |
| Funds Advance Fee | 21.99% |
| Welcome Bonus | Earn up to 150,000 Aeroplan points |
The American Express Aeroplan Reserve credit card has a hefty fee of $599 but you’ll have the Aeroplan Elite status. Moreover, you’ll have access to different types of insurances that can protect you from flight delays, lost baggage, car rental theft, and more. They also provide several extra benefits like the annual worldwide companion pass. If you travel a lot and have credit card expenses that exceed $25,000, you will enjoy this card’s benefits.
Moreover, when you join you’ll have the ability to earn a welcome bonus of 35,000 Aeroplan points and a $100 Statement Credit. Simply spend $3,000 within the first three months of opening an account to earn it. Furthermore, you’ll have the opportunity to earn an additional 30,000 points. During the first six months of opening the account, every billing cycle you spend $1,000, you’ll earn receive 5,000 Aeroplan points. In general, you can earn 3x points on Air Canada purchases, 2x on food, and 1x points on everything else.
Extra Features
- Travel insurance – This card offers a wide varity of tracel insurance options.
- Airport benefits – Access airport lounges with Priority Pass, the Pearson Priority Security Lane, complimentary valet at Toronto Pearson International Airport, and more.
Eligibility Requirements
- To apply, you must be a Canadian resident with a credit file.
- Must be the age of majority in your province
Additional Reading
TD Aeroplan Credit Cards
TD offers four great Aeroplan credit cards. They all offer great ways to earn Aeroplan points as well as access to different benefits and perks. Here are two of its best offers.
- TD Aeroplan Visa Infinite Privilege Card
- TD Aeroplan Visa Infinite
TD Aeroplan Visa Infinite Privilege Card
| Annual Fee | $599 |
| APR | 20.99% |
| Funds Advance Fee | 20.99% |
| Welcome Bonus | up to $2,800 in value including up to 105,000 Aeroplan points and additional travel benefits if you apply by January 3, 2023 |
With the TD Aeroplan Visa Infinite Privilege Card, you will receive a credit limit of at least $10,000. To qualify, you must be a Canadian resident who is of age and have an annual household income of $200,000. The card has a hefty annual fee of $599, but it comes with a great welcome bonus and a variety of travel and insurance protection benefits. You can receive up to 50,000 Aeroplan points by doing the following:
- Earn 25,000 with a single purchase after receiving your card
- Earn another 25,000 by keeping your account active and in good standing for 90 days
While this card is expensive and is not the best option for everyone, but those who can afford it will benefit.
Extra Features
- Nexus rebate – If you enroll for NEXUS, you’ll get a application fee rebate of $100 every 48 months.
- Airport perks – Acces Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades.
Eligibility Requirements
- $200,000 annual household income.
- Must be a Canadian resident
- Must be the age of majority in your province
TD Aeroplan Visa Infinite
| Annual Fee | $139 |
| APR | 20.99% |
| Cash Advance Rate | 20.99% |
| Welcome Bonus | up to $1,400 in value including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits if you apply by January 3, 2023 |
TD Aeroplan Visa Infinite is a credit card with a great welcome bonus of 10,000 Aeroplan points. Groceries, gas, and Air Canada purchases will earn you 1.5 Aeroplan points per dollar spent. All other purchases will give you 1 Aeroplan point per dollar spent. However, you can earn twice as much when you make purchases through the Aeroplan eStore. You can redeem your Aeroplan points to purchase merchandise, rent cars, book flights, hotels, and vacation packages. If you’re feeling generous, you can also donate your Aeroplan points.
Extra Features
- Insurance coverage – Provides classic travel protection such as medical insurance, flight delays insurance, trip cancellation insurance, baggage insurance, and car rental insurance.
- Nexus Rebate – If you enroll for NEXUS, you’ll get a application fee rebate of $100 every 48 months.
- Annual fee – Your annual fee will be waived for the first year you sign-up.
Eligibility Requirements
- You are a permanent Canadian resident
- You have reached the age of majority in your province
- You need a personal income of at least 60,000 or a household income of $100,000
CIBC Aeroplan Credit Cards
CIBC offers six great Aeroplan credit cards that offer easy ways to earn Aeroplan points and have access to travel benefits, insurance, and additional perks. Of the six, these two have some of the best features.
- CIBC Aeroplan Visa Infinite Card
- CIBC Aeroplan Visa Infinite Privilege Card
- CIBC Aeroplan Visa Card
CIBC Aeroplan Visa Infinite Card
| Annual Fee | $139 |
| APR | 20.99% |
| Cash Advance Rate | 20.99% |
| Welcome Bonus | Up to 20,000 Aeroplan points and a first-year annual fee rebate |
With the CIBC Aeroplan Visa Infinite Card, you can earn 1.5 points per dollar spent on gas, groceries, and travel purchases through Air Canada. You can earn twice as much with purchases made through the Aeroplan eStore. All other purchases will earn you 1 point on every dollar spent. It also comes with a generous welcome bonus of 10,000 points when you make your first purchase and a one-time one-time Bonus Companion Pass/Buddy Pass when you spend at least $3,000 during the first 4 months of opening your account.
Extra Perks
- Insurance coverage – Provides classic travel protection such as medical insurance, flight delays insurance, trip cancellation insurance, baggage insurance, mobile insurance, and purchase protection.
- Annual fee rebate – When you open an account, get your first-year annual fee waived.
Eligibility Requirements
- You are a Canadian citizen
- You have reached the age of majority in your province
- You need a household income of at least 100,000 or $60,000 for individuals.
- You haven’t declared bankruptcy in the last 7 years
CIBC Aeroplan Visa Infinite Privilege Card
| Annual Fee | $599 |
| APR | 19.99% |
| Cash Advance Rate | 22.99% |
| Welcome Bonus | Up to 75,000 Aeroplan points |
With the CIBC Aeroplan Visa Infinite Privilege Card, you can earn 1.5 points per dollar spent on gas, groceries, dining, and travel (2 points if you make travel purchases through Air Canada). All other purchases will earn you 1 point on every dollar spent. Similar to the CIBC Aeroplan Visa Infinite Card, it also comes with a generous welcome bonus where you can earn 20,000 points and a one-time one-time Bonus Companion Pass/Buddy Pass.
Extra Perks
- Insurance coverage – Provides classic travel protection such as medical insurance, flight delays insurance, trip cancellation insurance, baggage insurance, mobile insurance, mobile device insurance, car rental insurance, and purchase protection.
- Annual fee rebate – Get up to $139 dollars off your annual fee if you have a CIBC Smart™ Plus Account.
Eligibility Requirements
- You are a Canadian citizen
- You have reached the age of majority in your province
- You need a household income of at least 200,000 or 150,000 for individuals.
- You haven’t declared bankruptcy in the last 7 years
CIBC Aeroplan Visa Card
| Annual Fee | $0 |
| APR | 19.99% |
| Cash Advance Rate | 22.99% |
| Welcome Bonus | Up to 10,000 Aeroplan points |
For a more affordable option, the CIBC offers an Aeroplan card with no annual fee. With this card, you’ll earn 1 point per dollar for all purchases and 2 points per dollar for purchases made through the Aeroplan eStore. You can also earn a welcome bonus of 10,000 when you open an account. All you have to do is make a purchase. Unlike many other credit cards, despite having no fee it comes with additional benefits such as car rental collision and damage insurance, common carrier accident insurance, and purchase security and extended protect
Eligibility Requirements
- You are a Canadian citizen
- You have reached the age of majority in your province
- You need a household income of at least 15,000
- You haven’t declared bankruptcy in the last 7 years
What is Credit Card Churning? Read here.
Aeroplan FAQs
What is Aeroplan?
How much are Aeroplan points worth?
Do Aeroplan points expire?
Can I book a flight with any airline using Aeroplan points?
Bottom Line
If you travel frequently or are looking to make it a priority, Aeroplan points are a great way to offset the cost of airfare. Any of the above Aeroplan credit cards can help you accumulate Aeroplan points even faster, especially those that offer bonus sign-up miles. Be sure to consider your spending habits, personality, and income when choosing your Aeroplan card. Additionally, check the minimum income and spending requirement as that can affect your ability to get the card and its bonuses.
