As one of Canada’s most popular frequent flyer programs, Aeroplan lets you earn travel rewards with over 150 partners. To earn Aeroplan points faster, you can also get an Aeroplan credit card to accumulate additional points wherever you shop.
Find out how you can earn and redeem Aeroplan points (formerly called Aeroplan Miles) quickly and easily, and compare Aeroplan credit cards to get the best deal.
The CIBC Aeroplan Visa Card is the only CIBC Aeroplan credit card with a $0 annual fee. It also offers a nice welcome bonus: Snag 10,000 Aeroplan points when you sign up and make your first purchase. You'll receive some solid ongoing rewards too. Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else. You'll also get travel benefits like car rental collision or damage coverage and common carrier accident insurance when you sign up.
$0 annual fee.
Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.
Earn points twice when you spend with Aeroplan partners or shop with retailers in Aeroplan’s online eStore.
Obtain 10,000 Aeroplan points when you make your first purchase.
You won't collect as many points with this card as you will with more premium cards that come with an annual fee.
You won't be able to earn cashback and your points will be locked into Aeroplan's reward program.
This card doesn't come with comprehensive travel insurance such as travel medical or trip interruption/cancellation insurance.
Annual Fee
$0
Purchase APR
20.99%
Cash Advance Rate
22.99% (21.99% for Quebec residents)
Balance transfer APR
22.99%
Welcome offer
Snag 10,000 Aeroplan points when you sign up and make your first purchase.
Rewards
Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.
Please note: All information about CIBC Aeroplan Visa Card has been collected independently by Finder and this card is not available through this site.
Best for premium rewards and travel benefits American Express Aeroplan Reserve Card
The American Express Aeroplan Reserve Card is a premium Aeroplan rewards credit card that comes with tons of perks and accelerated rewards. Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else. Earn up to 85,000 welcome bonus Aeroplan points. That's a value of up to $2,600 or more when you combine your welcome bonus points and card benefits. This card also comes with a host of travel perks and coverage, including travel medical, trip cancellation and interruption, hotel burglary, car rental and common carrier coverage.
Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else.
Reach Aeroplan elite status more easily. Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 worth of eligible purchases you charge to your card. Plus, you could receive a Complimentary Hotel Room Category Upgrade, on the first and last night, and a Complimentary Upgrade from SilverLeaf to GoldLeaf class of service when you book directly with Rocky Mountaineer using your card.
Earn up to 85,000 welcome bonus Aeroplan points. That's a value of up to $2,600 or more when you combine your welcome bonus points and card benefits.
This card comes with a hefty yearly fee of $599
You'll have to pay an interest rate of 21.99% on your purchases and a 21.99% rate on cash advances.
There's an added fee of $199 for every additional card you add to your account.
Annual Fee
$599
Purchase APR
21.99%
Cash Advance Rate
21.99%
Balance transfer APR
N/A
Welcome offer
Earn up to 85,000 Aeroplan points. Earn 60,000 Aeroplan points after spending $7,500 in purchases within the first 3 months, plus earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13. That's up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
Rewards
Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1.25x the points on everything else.
We’ve chosen the cards on this page based on the current range of Aeroplan credit cards available on the market. We’ve narrowed down our top picks by considering the value of reward points, annual fees, interest rates, introductory offers, travel perks and additional card benefits.
No single credit card will be the best choice for everyone, so compare your options before picking your new card.
How do Aeroplan credit cards work?
An Aeroplan credit card lets you earn points for every purchase you make on your card. You can typically earn 1 Aeroplan Point for every $1 you spend on your card, but some cards have different ratios. For example, one card might offer 1.5 points for every $1 you spend, while another might offer 1 point for every $1.50 you spend.
You will also usually earn a different number of points for different types of purchases. Many Aeroplan cards offer a higher return on points for gas, grocery and drugstore purchases. They generally offer more points for shopping with Aeroplan partner organizations. You’ll typically earn less points on all other purchases.
Aeroplan credit cards can help you accumulate Aeroplan points faster, and you can pair them with your membership to earn double the points when you make purchases with an Aeroplan partner.
When comparing Aeroplan credit cards, it helps to look at other factors like annual fees and introductory offers to make sure you’re getting the best bang for your buck.
Return on travel rewards. Look at how much you’ll earn with each credit card, keeping in mind that more rewards usually means higher fees and interest rates.
Welcome offers. Many Aeroplan credit cards give you enough points to get a return flight within North America when you sign up. Think about how you can combine the biggest welcome bonus with the highest return on points and benefits.
Benefits. Aeroplan credit cards can come with benefits like travel insurance, airport lounge access and priority check-in. Choose a card that will give you practical perks that you know you’ll be able to use.
Annual fee. Most Aeroplan credit cards have annual fees ranging from around $120 to over $500. Make sure the fee you pay is balanced out by a higher return on rewards or more perks on your card.
Interest rates. As with all credit cards, interest rates are important if you intend to carry a balance. If you make regular repayments and always pay in full, this will be less important.
Deciding if an Aeroplan card is the right fit for you
Aeroplan is one of several frequent flyer programs to choose from in Canada. Before you get an Aeroplan credit card, you should consider whether this is the best fit for you. Some of the features you might want to compare for each program include the following:
Partner companies. Try to find the frequent flyer program that works with the largest number of stores that you shop at most often.
Partner airlines. Aim to sign up for the program that works with the largest network of airlines since this could impact when and where you can fly to with your rewards.
Available rewards. Check out each program’s “rewards store” to find out what you can use your points to purchase.
How to earn Aeroplan points with your Aeroplan credit card
The best way to earn points on your Aeroplan card is to charge eligible purchases to it. These include daily purchases (like gas, groceries and drugstore purchases) as well as bill payments and other expenses. Besides that, there are a few ways you can try to maximize your points return.
Shop at partner stores. You can also shop at partner stores to earn even more points on all of your purchases.
Get the family involved. Consider giving additional cards to your family members so that all of your points are accumulated on one account.
Look for a sign-up bonus. Many Aeroplan cards will also give you bonus points when you sign up. Just make sure to read the fine print, as some of these offers can only be redeemed when you’ve spent a certain amount of money in a specified time period. For example, you might be required to spend $500 in your first month to receive 10,000 bonus points.
Keep an eye out for promotions. Some cards will also offer bonus points for existing customers during promotions. In this instance, you might be able to cash in on extra bonus points for referring your family and friends to Aeroplan. Partner companies might also run promotional campaigns that let you earn more points for making certain purchases (such as buying a certain brand of cereal at the grocery store).
Once you’ve had your card for a while, you can exchange the points you’ve accumulated for travel through Aeroplan. You can do this by signing in to your Aeroplan membership and browsing its main page for flights and other rewards. You can make your purchase online or over the phone with an Aeroplan agent.
Flight redemptions are typically the best value for redeeming your Aeroplan points. If you’re not interested in flying, you can use your points for everything from hotel stays and car rentals to gift cards and merchandise.
If you don’t want to redeem your points for flights, you may be able to cash them in for some of the following travel rewards.
Travel packages. If you have enough points, you may be able to cash them in for an all-inclusive vacation package or cruise.
Hotel accommodation. Aeroplan has partnered with several hotel chains, so you can pick the best fit for your budget and earn double the rewards on your stay.
Car rentals. If you need a rental car, you can cash in your points with Avis, Budget or Payless car rentals.
Merchandise. You can redeem your points for hundreds of products in Aeroplan’s online store, ranging from clothing and jewellery to homewares and electronics.
Entertainment. You may be able to exchange your points for theme park tickets, wine tastings, city tours and other must-do experiences, depending on availability.
Gift cards. Aeroplan has partnered with many stores to provide gift cards that you can redeem online or in-person at the time of your choosing.
Compare Aeroplan credit cards you can apply for now
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Bottom line on the Best Aeroplan card in Canada
There are plenty of Aeroplan cards on the market for you to choose from. Learn how these cards work as well as whether they’re the right fit for you. If you decide that they are, make sure to look for a card that offers a good cost-benefit ratio and compare several providers to find the best deal.
Aeroplan credit cards FAQs
You can earn and redeem points with Air Canada and a number of other Aeroplan partners. You can also exchange your points for merchandise and gift cards using the Aeroplan eStore.
Your Aeroplan points (formerly called Aeroplan Miles) can expire if you leave your account inactive for 18 months or more. You can make sure this doesn't happen by using your Aeroplan membership or Aeroplan card to earn points or by redeeming a portion of your points before they're set to expire.
It's easy to exchange your points for travel or other rewards using your Aeroplan account. All you need to do is sign into the online platform to see what rewards you can qualify for. Read our guide on how to redeem your Aeroplan points here.
Yes. You can apply online for the card of your choice by clicking "Go to Site" next to the card you want in the table listed at the top of this page.
If you've been a longtime Aeroplan member, then you probably know that the Aeroplan program underwent a massive overhaul as of November 8, 2020 after being bought out by Air Canada. At that time, Aeroplan's line of credit cards adopted a different set of fees, features and benefits to align with the new program.
Many of the new changes to TD Aeroplan and CIBC Aeroplan credit cards were similar. For example, accelerated rewards for drugstore purchases were rolled back by both TD and CIBC, and fee increases were relatively the same across the board. In addition, both lines of credit cards added similar insurance products to each card. These include mobile device insurance and hotel burglary insurance.
Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio
Ready to cash in your Aeroplan points? Find out how to redeem Aeroplan points for travel and merchandise.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
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