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Aeroplan is one of Canada’s most popular loyalty programs since the miles you earn can be used later to redeem flights on Air Canada or any other Star Alliance member. Since people love to travel for cheap or free, one of the most common questions is what are the best Aeroplan credit cards? This should be a straightforward answer, but you need to look at the signup bonus, earn rate, and additional benefits before you apply for a new card. To help you narrow down your choices. I’ve come up with a list of the best Aeroplan credit cards.

CardSign Up BonusAnnual Fee
TD Aeroplan Visa Platinum Card10,000 Aeroplan Points$89 - FYF
TD Aeroplan Visa Infinite Card10,000 Aeroplan Points+ Buddy Pass $139 - FYF
American Express Aeroplan Card15,000 Aeroplan Points+ Buddy Pass $120
American Express Aeroplan Reserve Card65,000 Aeroplan Points$599
American Express Business Platinum Card75,000 Membership Rewards Points$499
American Express Gold Rewards Card30,000 Membership Rewards Points$150

TD Aeroplan Visa Platinum

  • $89 annual fee – First year free
  • 10,000 Aeroplan points after your first purchase
  • Earn 1 Aeroplan point for every $1 spent on gas, groceries or purchases made with Air Canada, including Air Canada Vacations 
  • Earn 1 Aeroplan point for every $1.50 spent on all other purchases
  • Some travel insurance
  • Mobile device insurance
  • Purchase security
  • Extended warranty

The entry-level Aeroplan credit card is the TD Aeroplan Visa Platinum Card. Although the welcome bonus is modest, it’s not bad considering this is a pretty basic card. Plus, the annual fee is waived for the first year.

Unfortunately, the earn rate is not the best and you don’t get any Air Canada travel benefits. This shouldn’t be a surprise since it’s the lowest tier of all the TD Aeroplan credit cards.

With such limited benefits, you’re likely wondering why this card is on the list of the best Aeroplan credit cards in Canada. Well, it has a low minimum income requirement so it is a good card for people who are new to Aeroplan.

TD Aeroplan Visa Infinite Card

  • $139 annual fee – First year free
  • 10,000 Aeroplan points after your first purchase
  • Air Canada Buddy Pass after you spend $1,000 in the first 90 days
  • Earn 1 Aeroplan point per $1 spent on Air Canada, including Air Canada Vacations
  • Earn 1.5 Aeroplan points for every $1 spent on gas, groceries or purchases
  • Earn 1 Aeroplan point for every $1 spent on all other purchases
  • Air Canada Travel Benefits: including eligible Free First Checked Bag (up to 8 people), Status Qualification Boost and Preferred Pricing on flight rewards
  • Aeroplan Elite Status Benefits: Rollover Status Qualifying Miles, Rollover eUpgrade Credits and Priority Airport Upgrades
  • Comprehensive travel insurance package
  • Mobile device insurance
  • Purchase security
  • Extended warranty
  • NEXUS+ application fee reimbursement of up to $100 for the primary cardholder and additional cardholders 

With the TD Aeroplan Visa Infinite Card, you get Aeroplan points and an Air Canada Buddy Pass as part of the welcome bonus. When you purchase a full fare price, you can use the buddy pass for a second ticket where you’d only pay taxes third-party fees. This is an easy way to save hundreds of dollars if someone is travelling with you on the same itinerary.

The TD Aeroplan Visa Infinite card is arguably the best mid-tier Aeroplan credit card for everyday users. The earn rate on gas, groceries, and Air Canada purchases is 1.5 Aeroplan points per $1 spent. All other purchases get you 1 point per $1 spent.

The recently added free checked bags is definitely a huge benefit of this card. You can read my full review of the TD Aeroplan Visa Infinite card here.

American Express Aeroplan Card

  • $120 annual fee
  • 9,000 Aeroplan points + Air Canada buddy pass when you spend $1,500 in the first 3 months
  • 1,000 Aeroplan points, per month, when you spend $500 monthly for the first 6 months
  • Earn 2 points per $1 spent on Air Canada and Air Canada Vacations purchases
  • Earn 1.5 points per $1 spent on dining and food delivery in Canada
  • Earn 1 point per $1 spent on everything else
  • Air Canada Travel Benefits: including eligible Free First Checked Bag (up to 8 people), Status Qualification Boost and Preferred Pricing on flight rewards
  • Some travel insurance
  • Purchase security
  • Extended warranty
  • Access to Amex Invites

Admittedly, the American Express Aeroplan Card isn’t as good as the TD Aeroplan Visa Infinite Card, but the welcome bonus is one of the easiest ways to earn Aeroplan points fast. Plus, you also get a Buddy Pass

The key difference with the American Express Aeroplan Card compared to the TD Aeroplan Visa Infinite Card is the earn rate and included travel insurance. TD has a slight edge. But if you spend a lot on dining and food delivery, then the Amex card may be a better fit.

That means the welcome bonus points you get after meeting the minimum spend requirement can often be worth more than the annual fee. The additional benefits of the card make it one of the best travel credit cards in Canada.

American Express Aeroplan Reserve Card

  • $599 annual fee
  • Primary offer – 35,000 Aeroplan points + $100 statement credit when you spend $3,000 in the first 3 months
  • Alternative offer – 10,000 Aeroplan points + $100 statement credit when you spend $3,000 in the first 3 months
  • 5,000 Additional Aeroplan points, per month, when you spend $1,000 monthly for the first 6 months
  • Earn 3 points per $1 spent on Air Canada and Air Canada Vacations purchases
  • Earn 2 points per $1 spent on dining and food delivery in Canada
  • Earn 1 point per $1 spent on everything else
  • Air Canada travel benefits
    • Free first checked bag for up to 8 people travelling on the same reservation on Air Canada flights
    • Maple Leaf Lounge and Air Canada Café access within North America
    • Annual Worldwide Companion Pass (when you spend $25,000 each year)
    • Priority Airport services at Pearson International Airport
  • Aeroplan Elite Status Benefits: Rollover Status Qualifying Miles, Rollover eUpgrade Credits and Priority Airport Upgrades
  • Travel insurance 
  • Access to Amex Invites
  • $199 for additional users (can share some benefits) or $0 just to earn points

For those who aren’t interested in the buddy pass and would prefer more points, the American Express Aeroplan Reserve Card is likely the best choice for you since the welcome bonus is points based.

Why would you choose points over a Buddy Pass? With your Aeroplan points, you can use them for premium or business seats. You can also use them with Aeroplan partner airlines. If you do want the Buddy Pass, you can actually choose it as your welcome bonus, but you need to call in before you apply.

As for the card benefits, the earn rate is excellent. You get all the new Air Canada travel benefits and a great travel insurance package.

American Express Business Platinum Card

  • $499 Annual fee
  • 75,000 Membership Rewards points welcome bonus when using a referral link
  • Earn 1.25 points for every $1 spent
  • Marriott Bonvoy Gold Elite Status
  • 55 interest free days
  • Unlimited airport lounge access
  • Comprehensive travel insurance package
  • Buyer’s assurance
  • Purchase protection

If you’re looking for the best sign up bonus in Canada, then check out the American Express Business Platinum Card which gives you 75,000 points when you charge $7,000 to your card in the first three months of card membership when using a referral link. Yes, that’s a lot of money you need to spend, but 75,000 points can get you pretty far if you book your flights via the Amex Fixed Travel Program.

More importantly, you can transfer your American Express Membership Rewards points to Aeroplan at a 1:1 which is why this card is one of the best Aeroplan credit cards in Canada.

Note that you don’t get any Air Canada benefits with this card, so you should only consider it if you want to earn a lot of Aeroplan points fast. The earn rate is a straight 1.25 points per $1 spent, so business owners who charge a lot of expenses can rack up the points easily. You do get unlimited Prioity Pass lounge access with the which is why this is one of the best credit cards with lounge access.

American Express Gold Rewards Card

  • $150 Annual fee 
  • 25,000 American Express Membership Rewards points welcome bonus after charging $1,500 in purchases
  • 5,000 additional points when you add an additional cardholder to your account at the time of application.
  • Earn 2 points per $1 spent on grocery, gas, pharmacy, and travel
  • Earn 1 point per $1 spent on all other purchases
  • Comprehensive travel insurance package included
  • 1 Free supplementary card ($50 value)

You also earn Membership Rewards points with the American Express Gold Rewards card, so this is a good choice if you want to earn a quick 30,000 Aeroplan points (after you convert your points).

If you use a referral link and add a secondary user, the sign up bonus is worth up to 30,000 points. You get 25,000 points when you charge $1,500 to your card in the first 90 days and another 5,000 points when you add another user. Without a referral link, you just get 25,000 points.

Marriott Bonvoy American Express Card 

  • $120 annual fee
  • 50,000 Marriott Bonvoy points welcome bonus or 51,000 with a referral link
  • Earn 5 Marriott Bonvoy points for every $1 on eligible card purchases at participating Marriott Bonvoy properties
  • Earn 2 Marriott Bonvoy points for every $1 on all other purchases
  • Free annual night award that can be redeemed at participating Marriott Bonvoy properties worldwide, with a redemption value up to 35,000 points
  • 15 Elite Night credits each calendar year
  • Marriott Bonvoy Silver Elite status
  • Marriott Bonvoy Gold Elite status when you spend $30,000 on your card each year
  • Complimentary in-room, premium internet access while staying at participating Marriott Bonvoy hotels

Wait, isn’t this a list of Aeroplan credit cards? Why is the Marriott Bonvoy American Express Card on this list when it earns hotel points? If you didn’t know, you can transfer your Marriott Bonvoy points to various airlines including Aeroplan. The transfer ratio is 3:1 so for every Marriott Bonvoy point you transfer, you get 1 Aeroplan mile. Admittedly, this may not sound like a good deal, but when you transfer 60,000 Marriott Bonvoy points, you get 5,000 extra Aeroplan Miles for a total of 25,000 Aeroplan Miles. That’s basically a 20% bonus. Even with the extra miles, some people may not think it’s worth it, but you need to look at it from your specific perspective. The ability to transfer points to Aeroplan is handy if you’re short a few thousand points to get a free flight. Getting the Marriott Bonvoy Amex is also good if you’re trying to accumulate Aeroplan Miles quickly.

The regular welcome bonus is 50,000 Marriott Bonvoy points when you spend $1,500 in the first three months of card membership. However, you can get 51,000 points when you use a referral link, but then you need to spend $3,000 in the first three months. You need to decide for yourself which is the better offer for your individual circumstances.

What is Aeroplan?

Aeroplan is the loyalty program for Air Canada which is Canada’s #1 airline. Since Air Canada is a member of Star Alliance, you’re able to use your Aeroplan Miles with more than a dozen airlines. Besides flights, you can also use your Aeroplan miles for hotels, car rentals, vacation packages and merchandise. There’s no doubt that Aeroplan is one of the best travel rewards programs in Canada

How much are Aeroplan miles worth?

Since every Aeroplan redemption is different, the value of Aeroplan Miles varies. To find out the exact value of your Aeroplan Miles, take the ticket price, subtract the taxes and fees, then divide by the number of miles it takes for that redemption.

For example, let’s say you’re flying from Toronto to Los Angeles. The ticket costs $575 but $140 is in taxes. To get redeem the flight on Aeroplan, it’ll cost you 25,000 Aeroplan Miles. To calculate the value of your Aeroplan Miles, you would use the following formula ($575 – $140) ÷ 25,000. That works out to $0.0174. That’s a great value as most people accept that the average value of 1 Aeroplan Mile is $0.012. If you’re getting less than $0.012 per Aeroplan Mile, you’re better off paying cash and saving your points.

Do Aeroplan miles expire?

Yes, your miles will expire if there’s no account activity in 12 consecutive months. The easiest way to make sure they don’t expire is to earn, redeem, donate or transfer your Air Miles sometime during those 12 months. Don’t forget, Aeroplan has an estore where you can shop with hundreds of merchants and earn Aeroplan Miles.

Aeroplan vs. Air Miles

Quite often people what’s the difference between Aeroplan and Air Miles. Heck, some people assumed they were the same program but they’re not. While both popular programs in Canada, Aeroplan is exclusive to Air Canada while Air Miles allows you to redeem your miles on just about any airline. You might already be thinking that Air Miles is the better program, but it’s not that simple.

Air Miles uses a redemption chart based on where you’re flying from, where you’re flying to and the season. That means getting good value for your points can be tricky. In addition, earning Air Miles can be hard. Yes, there are quite a few Air Miles credit cards and they have plenty of partners, but the earn rate is not nearly as good as Aeroplan. 

That said, Air Miles gives you the option to earn cash miles which can be redeemed for store credit directly with merchants. This is a handy feature, but if you want that kind of reward, you’re likely better off with one of the best cash back credit cards in Canada

How to choose the best Aeroplan credit card

With so many Aeroplan credit cards available, it may not be easy to choose the perfect one for you. Look at the following factors and picking the best Aeroplan credit card will be easy.

  • Sign up bonus – For people getting their first Aeroplan credit card, the sign up bonus can be important. Quite often the welcome bonus will give you enough Aeroplan Miles for a free flight so that’s a good enough incentive to apply right away.
  • Annual fee – The best Aeroplan credit cards all have an annual fee, but some people don’t like the idea of paying a yearly fee for their credit card. Remember, as long as you’re getting more value and rewards out of your card than what you pay for your annual fee, you’re coming out ahead
  • Earn rate – Aeroplan credit cards have different earn rates so it would make sense to choose a card that gives you the most Aeroplan Miles based on your spending
  • What your future travel plans are – If you plan on using Aeroplan Miles in the future, you should choose your credit cards accordingly. A card that offers your 25,000 Aeroplan Miles is great for flights within North America, but if you want to go international, you may want to apply for more than one card.
  • Additional benefits – Besides the ability to earn Aeroplan Miles, you’ll also want to see what other benefits come with the card. Airport lounge access, travel insurance and hotel status are important to some people. Using your Aeroplan Miles for free flights may happen only once a year, but you can use your benefits all the time.

Final thoughts

Getting one of the best Aeroplan credit cards in Canada makes sense if you like to travel as it can save you a fair amount of money. Even if you don’t travel that often, using an Aeroplan credit card can still be a good idea since you can save your points over time and make a redemption when you do decide to take a trip. That said, like any loyalty program, Aeroplan can devalue their miles at any time, so don’t hold onto your points for too long. If you can make a redemption that’s worth it, do it.

The Best Aeroplan Credit Cards

3 Comments

  1. Malkeet Singh on November 4, 2019 at 5:00 AM

    The problem with American Express card is that not all merchants accepts the Amex Card.That way,you loose a lot of points yearly.I had to cancel my Amex card and switched to CIBC Aeroplan card.Which is the same as TD card.

  2. Susan on January 30, 2020 at 2:19 PM

    TD Infinite card will be raising the interest rates to 24% and charging a compound interest on revolving credit owning.

    • Barry Choi on January 31, 2020 at 12:05 AM

      Yes, that was a recent unfortunate announcement.

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