Air Canada Aeroplan credit cards compared

Last Updated on October 7, 2024
First posted on November 27, 2020

Here we have all of the Air Canada Aeroplan co-brand credit cards compared side by side. You can easily check out all their benefits, point earnings, insurance and more from the four versions of their cards: Premium, Ultra Premium, Entry Level and Small Business.

Premium Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Card Type	Charge Card	Credit Card	Credit Card
Annual Fee	$120	$139	$139
Supplementary Card Fee	$50 with benefits $0 to earn points only	$50	$75
Interest Rate	30% Non Revolving	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$60,000 Personal or $100,000 Household	$60,000 Personal or $100,000 Household

Points Earning	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Welcome Bonus	*New American Express® Aeroplan® Cardmembers can earn up to 40,000 Aeroplan points:** Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in purchases in month 13 That’s up to $900 or more in value when you combine your welcome bonus points and card benefits.	Get a total of up to 50,000 Aeroplan points: 10,000 Aeroplan points when you make your first purchase†. 15,000 Aeroplan points when you spend $4,000 or more during the first 4 monthly statements periods†. 25,000 Aeroplan points as an additional anniversary bonus when you have at least $15,000 in net purchases posted on your account during the first 12 monthly statement periods.	Earn up to $1,500 in value†, including up to 50,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Account must be approved by January 6, 2025. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening† Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening† This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.	N/A
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	2 points	1.5 points	1.5 points
Travel Purchases per $	1 point	1 point	1 point
Dining / Food Delivery Purchases per $	1.5 points	1 point	1 point
Grocery Purchases per $	1 point	1.5 points	1.5 points
Gas Station Purchases per $	1 point	1.5 points	1.5 points
All other purchases per $	1 point	1 point	1 point
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spend on the card

Benefits	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	No	No	Up to $100 every 48 months
Maple Leaf Lounge Access	No	No	No
Other business class lounge Access	No	No	No
Priority check in / boarding / baggage	No	No	No
Priority airport standby	No	No	No
Priority airport upgrades	No	No	No
Annual worldwide companion pass	No	No	No
Rollover status qualifying miles	No	No	No
Rollover eUpgrade credits	No	No	No

Insurance	American Express® Aeroplan®* Card	CIBC Aeroplan® Visa Infinite* Card	*TD® Aeroplan® Visa Infinite Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $500 total	4 hours up to $500 total	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours up to $500 total	6 hours $500 per person Max $1,000 per occurence	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $500 total	Yes up to $500 per person Max $1,000 per occurence	Yes up to $1,000 per person
Damaged Baggage Insurance	Yes up to $500 total	Yes up to $500 per person Max $1,000 per occurence	No
Trip Cancellation Insurance	None	Yes $1,500 per person up to $5,000 maximum per account	Yes $1,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	None	Yes $2,000 per person	Yes $2,500 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	None	15 Days Up to $5,000,000	21 Days Up to $2,000,000
Travel Medical Insurance 65+	None	3 Days Up to $5,000,000	4 Days Up to $2,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $500 per occurence	Yes Up to $2,500 per occurence	Yes Up to $2,500 per occurence
Purchase Protection	Yes 90 Days Max $1,000 per occurence	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,000 less deductible and depreciation	Yes Up to $1,000 less deductible and depreciation
Link to apply

Ultra Premium Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Card Type	Credit Card	Credit Card	Credit Card
Annual Fee	$599	$599	$599
Supplementary Card Fee	$199 with benefits $0 to earn points only	$149	$199
Interest Rate	21.99% Purchase 21.99% Cash Advance	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$150,000 Personal or $200,000 Household	$150,000 Personal or $200,000 Household

Points Earning	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Welcome Bonus	*New American Express® Aeroplan® Reserve Cardmembers can earn up to 85,000 Aeroplan points** Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card 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	Up to 110,000 Aeroplan points Earn 20,000 Aeroplan points when you make your first purchase. Earn 30,000 Aeroplan points when you spend $6,000 or more during your first 4 monthly statement periods You can also earn 60,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net purchases posted on your account during the first 12 monthly statement periods.	Earn up to $2,900 in value† including up to 80,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025. Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card† Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening† Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening† This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	N/A	N/A
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	3 points	2 points	2 points
Travel Purchases per $	1.25 points	1.5 points	1.5 points
Dining / Food Delivery Purchases per $	2 points	1.5 points	1.5 points
Grocery Purchases per $	1.25 points	1.5 points	1.5 points
Gas Station Purchases per $	1.25 points	1.5 points	1.5 points
All other purchases per $	1.25 points	1.25 points	1.25 points
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card

Benefits	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	Up to $100 every 48 months	Up to $50 every 48 months	Up to $100 every 48 months
Maple Leaf Lounge Access	Yes In North America only (includes Air Canada Cafe)	Yes In North America only (includes Air Canada Cafe)	Yes In North America only (includes Air Canada Cafe)
Other business class lounge Access	Priority Pass Membership	Visa Airport Companion with 6 free lounge visits	Visa Airport Companion with 6 free lounge visits
Priority check in / boarding / baggage	Yes Zone 2 Priority Boarding	Yes Zone 2 Priority Boarding	Yes Zone 2 Priority Boarding
Priority airport standby	Yes	Yes	Yes
Priority airport upgrades	Yes Only if you hold Elite Status	Yes Only if you hold Elite Status	Yes Only if you hold Elite Status
Annual worldwide companion pass	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date
Toronto Pearson Benefits	Yes	No	No
Rollover status qualifying miles	Yes Up to 200,000 miles	Yes Up to 200,000 miles	Yes Up to 200,000 miles
Rollover eUpgrade credits	Yes Up to 50 credits	Yes Up to 50 credits	Yes Up to 50 credits

Insurance	American Express® Aeroplan®* Reserve Card	CIBC Aeroplan® Visa Infinite Privilege* Card	*TD® Aeroplan® Visa Infinite Privilege Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $1,000 total	4 hours $500 per person Max $1,000 per occurence	4 hours up to $1,000 total
Delayed Baggage Insurance	6 hours up to $1,000 total	6 hours $500 per person Max $1,000 per occurence	4 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $1,000 total	Yes up to $1,000 per person Max $2,500 per occurence	Yes up to $2,500 per person
Damaged Baggage Insurance	Yes up to $1,000 total	Yes up to $1,000 per person Max $2,500 per occurence	No
Trip Cancellation Insurance	Yes $1,500 per person up to $3,000 maximum per account	Yes $2,500 per person up to $10,000 maximum per account	Yes $2,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	Yes $1,500 per person up to $6,000 maximum per account	Yes $5,000 per person up to $25,000 maximum per account	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	15 Days Up to $5,000,000	31 Days Up to $5,000,000	31 Days Up to $5,000,000
Travel Medical Insurance 65+	None	10 Days Up to $5,000,000	4 Days Up to $5,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $85,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $1,000 per occurence	Yes Up to $2,500 per occurence	Yes Up to $2,500 per occurence
Purchase Protection	Yes 90 Days Max $1,000 per occurence	Yes 180 Days Max $60,000 in a lifetime	Yes 120 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 2 years Max $60,000 in a lifetime	Yes Up to 2 years Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,500 less deductible and depreciation	Yes Up to $1,500 less deductible and depreciation
Link to apply

Entry Level Aeroplan Credit Card Comparison

Basics	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Card Type	Credit Card	Credit Card
Annual Fee	$0	$89
Supplementary Card Fee	$0	$35
Interest Rate	19.99% Purchase 22.99% Cash Advance	20.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%
Minimum Income	$15,000 Household	N/A

Points Earning	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Welcome Bonus	10,000 Aeroplan points when you make your first purchase with the card	Earn up to $500 in value†, including up to 20,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening† Get an annual fee rebate for the first year†. This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Get an annual fee rebate for the first year†
Renewal Bonus	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	1 point	1 point
Travel Purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Dining / Food Delivery Purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Grocery Purchases per $	1 point	1 point
Gas Station Purchases per $	1 point	1 point
All other purchases per $	1 point per $1.50 spent	1 point per $1.50 spent
Elite Qualifying Points	N/A	N/A

Benefits	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes
Free first checked bag	No	No
Share Air Canada Travel Benefits with additional cardholders	No	No
NEXUS Fee Rebate	No	No
Maple Leaf Lounge Access	No	No
Other business class lounge Access	No	No
Priority check in / boarding / baggage	No	No
Priority airport standby	No	No
Priority airport upgrades	No	No
Annual worldwide companion pass	No	No
Rollover status qualifying miles	No	No
Rollover eUpgrade credits	No	No

Insurance	CIBC Aeroplan® Visa* Card	*TD® Aeroplan® Visa Platinum Card**
Common Carrier Travel Accident Insurance	$100,000	$500,000
Flight Delay Insurance	No	4 hours up to $500 per person
Delayed Baggage Insurance	No	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	No	Yes up to $1,000 per person
Damaged Baggage Insurance	No	No
Trip Cancellation Insurance	No	No
Trip Interruption Insurance	No	No
Travel Medical Insurance up to 64 years old	No	No
Travel Medical Insurance 65+	No	No
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	No	Yes Up to $2,500 per occurence
Purchase Protection	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	Yes Up to $1,000 less deductible and depreciation
Link to apply

Small Business Aeroplan Credit Card Comparison

Basics	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Card Type	Credit Card	Credit Card	Credit Card
Annual Fee	$599	$180	$149
Supplementary Card Fee	$199 with benefits $0 to earn points only	$50	$49
Interest Rate	21.99% Purchase 21.99% Cash Advance	12.99% Purchase 14.5% & up Cash Advance	14.99% Purchase 22.99% Cash Advance
Foreign Exchange Transaction Fee	2.5%	2.5%	2.5%
Minimum Income	No Minimum	$35,000 Personal	N/A

Points Earning	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Welcome Bonus	*Earn up to 90,000 Welcome Bonus Aeroplan® points** Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months. Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.	Get a total of up to 60,000 Aeroplan points 10,000 Aeroplan points when the first purchase is made†. 20,000 Aeroplan points when $3,000 or more is spent during the first 4 monthly statement periods†. An additional bonus of 30,000 Aeroplan points when you spend $35,000 or more during the first year	Earn up to $1,506 in value including up to 50,000 Aeroplan points with additional travel benefits get full Annual Fee rebates for the first year for the Primary Cardholder and first two Additional Cardholders. Account must be opened and approved by January 6, 2025. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 30,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 10,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. This offer is not available for residents of Quebec. For Quebec residents, please click here.
Bonus Features	N/A	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.	Plus, get an annual fee rebate for the primary and up to three additional cards for the first year.
Renewal Bonus	0	0	0
Air Canada Purchases per $ (includes Air Canada Vacations)	3 points	2 points	2 points
Travel Purchases per $	2 points (Hotels & Car rentals)	1.5 points	1.5 points
Dining / Food Delivery Purchases per $	1.25 points	1.5 points	1.5 points
Internet / Cable / Phone Purchases	1.25 points	1.5 points	1.5 points
Grocery Purchases per $	1.25 points	1 point	1 point
Gas Station Purchases per $	1.25 points	1 point	1 point
All other purchases per $	1.25 points	1 point	1 point
Elite Qualifying Points	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card	1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spend on the card

Benefits	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Preferred Pricing on Aeroplan Flight Rewards	Yes	Yes	Yes
Free first checked bag	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation	Yes For cardholder + up to 8 companions on the same reservation
Share Air Canada Travel Benefits with additional cardholders	Yes	Yes	Yes
NEXUS Fee Rebate	No	No	Up to $100 every 48 months
Maple Leaf Lounge Access	Yes In North America only (includes Air Canada Cafe)	Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year	Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year
Other business class lounge Access	Priority Pass Membership	No	No
Priority check in / boarding / baggage	Yes Zone 2 Priority Boarding	No	No
Priority airport standby	Yes	No	No
Priority airport upgrades	Yes Only if you hold Elite Status	No	No
Annual worldwide companion pass	Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date	No	No
Toronto Pearson Benefits	Yes	No	No
Rollover status qualifying miles	Yes Up to 200,000 miles	No	No
Rollover eUpgrade credits	Yes Up to 50 credits	No	No

Insurance	American Express® Aeroplan®* Business Reserve Card	CIBC Aeroplan® Visa* Business Card	*TD® Aeroplan® Visa Business Card**
Common Carrier Travel Accident Insurance	$500,000	$500,000	$500,000
Flight Delay Insurance	4 hours up to $1,000 total	4 hours up to $500 total	4 hours up to $500 per person
Delayed Baggage Insurance	6 hours up to $1,000 total	6 hours $500 per person Max $1,000 per occurence	6 hours up to $1,000 per person
Lost / Stolen Baggage Insurance	Yes up to $1,000 total	Yes $500 per person Max $1,000 per occurence	Yes up to $1,000 per person
Damaged Baggage Insurance	Yes up to $1,000 total	Yes $500 per person Max $1,000 per occurence	No
Trip Cancellation Insurance	Yes $1,500 per person up to $3,000 maximum per account	Yes $1,000 per person up to $5,000 maximum per account	Yes $1,500 per person up to $5,000 maximum per account
Trip Interruption Insurance	Yes $1,500 per person up to $6,000 maximum per account	Yes $2,000 per person	Yes $5,000 per person up to $25,000 maximum per account
Travel Medical Insurance up to 64 years old	15 Days Up to $5,000,000	None	15 Days Up to $2,000,000
Travel Medical Insurance 65+	None	None	4 Days Up to $2,000,000
Auto Rental/Loss Damage Insurance	Up to 48 days Up to $85,000 MSRP	Up to 48 days Up to $65,000 MSRP	Up to 48 days Up to $65,000 MSRP
Hotel / Motel Burglary Insurance	Yes Up to $1,000 per occurence	No	Yes Up to $2,500 per occurence
Purchase Protection	Yes 90 Days Max $1,000 per occurence	Yes 90 Days Max $60,000 in a lifetime	Yes 90 Days Max $60,000 in a lifetime
Extended Warranty Plan	Yes Up to 1 year Max $10,000 per item Max $25,000 total per year	Yes Up to 1 year Max $60,000 in a lifetime	Yes Up to 1 year Max $60,000 in a lifetime
Mobile Device Insurance	No	No	Yes Up to $1,000 less deductible and depreciation
Link to apply

“The information for the CIBC Aeroplan cards has been collected independently by Rewards Canada. The card details on this page have not been reviewed or provided by the card issuer.”

† Terms and Conditions apply.

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Air Canada Aeroplan credit cards compared

Premium Aeroplan Credit Card Comparison

Basics

Points Earning

Benefits

Insurance

Ultra Premium Aeroplan Credit Card Comparison

Basics

Points Earning

Benefits

Insurance

Entry Level Aeroplan Credit Card Comparison

Basics

Points Earning

Benefits

Insurance

Small Business Aeroplan Credit Card Comparison

Basics

Points Earning

Benefits

Insurance

Talk to us!