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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.
|Card||Sign Up Bonus||Annual Fee|
|American Express Platinum card||60,000 - $5,000 Spend||$699|
|American Express Business Platinum||75,000 - $7,000 Spend||$499|
|American Express Gold Rewards card||25,000 - $1,500 Spend||$150|
|TD Aeroplan Visa Infinite card||15,000 - First purchase||$120 - FYF|
American Express Platinum Card
- $699 annual fee
- 60,000 Sign up bonus (when using a referral link)
- Earn 3 points per $1 spent on dining
- Earn 2 points per $1 spent on travel
- Earn 1 point per $1 spent on all other purchases.
- $200 Annual travel credit
- Unlimited airport lounge access
- Special benefits at Toronto Pearson
- Hotel status upgrades
- Fine Hotels & Resorts benefits
- Exclusive dining experiences with the Global Dining Collection
- Emergency medical, flight delay/cancellation, lost/delayed luggage insurance
Although you don’t earn Aeroplan points directly with the American Express Platinum card, the American Express Membership Rewards points you get can be transferred to Aeroplan at a 1:1 ratio. That means the 60,000 welcome bonus points you get with my referral link after charging $5,000 to your card in the first three months is enough for two roundtrip tickets to anywhere within the continental U.S and Canada. Those tickets easily have a value of $1,200 which easily makes up for the $699 annual fee. If you read my American Express Platinum card review, you’ll find out why it’s one of the best travel credit cards in Canada.
American Express Business Platinum Card
- $499 annual fee
- 75,000 Membership Rewards points signup bonus (with a referral)
- Earn 1.25 Membership Rewards points for every $1 spent
- Unlimited airport lounge access with Priority Pass
- Emergency Medical, Flight Delay / Cancellation, Lost / Delayed Luggage Insurance
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. Yes, that’s a lot of money you need to spend, but 75,000 points get you three roundtrip tickets to anywhere within the continental U.S and Canada or a flight to Europe with points left over if you book via the Amex Fixed Travel Program. You don’t get hotel status upgrades with the Business Platinum card (the regular Platinum card does), but you earn a straight 1.25 points per $1 spend which may appeal to people do the majority of spending on categories that are related to restaurants or travel.
American Express Gold Rewards Card
- $150 Annual fee
- 25,000 Sign up points after charging $1,500 in purchases
- 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
Just like the Amex Platinum card, the American Express Gold Rewards card also earns you American Express MR points which can be transferred to Aeroplan. What makes the American Express Gold Rewards card appealing is the “low” annual fee of $150. The sign up bonus of 25,000 points is good enough for one roundtrip ticket to anywhere within the continental U.S and Canada which is obviously great. People also love that you earn 2 points per $1 spent on grocery, gas, pharmacy and travel purchases.
Don’t foget about the American Express Fixed Travel Program which can be even more valuable than Aeroplan at times. Although the Amex program requires more points for certain routes, they have no blackout dates. That’s incredibly valuable when Aeroplan is only making market price seats available. I don’t think there’s ever been a time where I’ve considered a market price seat a good deal which is why I like the flexibility of Membership Rewards points. If I see a route on Aeroplan that available, only then do I transfer points over to make the booking. Read my American Express Gold Rewards card review now and find out why it’s one of the most versatile credit cards in Canada.
TD Aeroplan Visa Infinite Card
- $120 Annual fee – first year free (when you sign up by March 2, 2020)
- 15,000 Aeroplan miles sign up bonus after your first purchase
- Earn 5X the Aeroplan miles on all purchases up to $1,000 in spending per month, up to 15,000 Aeroplan miles total
- Earn 1.5 Aeroplan miles per $1 spent on grocery, gas, drugstore and aircanada.com purchases
- Earn 1 Aeroplan mile per $1 spent on all other purchases
- One annual pass to an Air Canada Maple Leaf Lounge when travelling on an Aeroplan reward flight
- Comprehensive travel insurance package included
Oddly enough, the TD Aeroplan Visa Infinite card is the only official co-branded credit card that makes my list of the best Aeroplan credit card. While the signup bonus of up to 15,000 Aeroplan miles after your first purchase isn’t bad, it’s not nearly as impressive as what the two American Express credit cards listed above offer. That said, you can earn another 15,000 miles if you charge $1,000 to your card each month for the first three months. The earn rate on this card is not as impressive compared to the Amex cards which is why I don’t love this card, but if you have an All-inclusive banking plan with TD, you can get your annual fee waived which is a pretty compelling reason to hold this card.
I do find it annoying that you only get one annual pass to an Air Canada Maple Leaf Lounge when travelling on an Aeroplan reward flight, but at least you get free seat selection. I’m hoping this card improves next year when Air Canada fully takes over Aeroplan. You can read my full review of the TD Aeroplan Visa Infinite card here.