The Best Aeroplan Credit Cards 2022

Last updated: May 12, 2022
First posted on January 19, 2022


Being one of Canada's largest, most popular and best known loyalty programs, Air Canada Aeroplan garners a lot of attention. That's even the case here with Rewards Canada readers as one of the more common questions we receive is what is the best Aeroplan credit card to get since there are so many options? That's why we've created this page to narrow down those options for you. It still doesn't come down to one card however but the choices are definitely thinned out. What it will come down to is what you are trying to achieve with Aeroplan. Are you looking to solely earn as many Aeroplan points as possible? We list that here. Are you looking to earn points but also want to receive benefits for flying with Air Canada? Done, you'll want the most well rounded Aeroplan card. Are you looking to earn Aeroplan points but don't want to pay an annual fee? That's listed here. Want to enjoy lots of elite status type travel benefits? Go for the ultra premium card. Finally want to be able to earn Aeroplan points at Costco? We list the only card in Canada that will do that for you.

Quick jump to each of the categories on this page:


Canadian Loyalty Programs

The most well rounded Aeroplan card


The most well rounded Air Canada Aeroplan credit card in Canada is the TD Aeroplan Visa Infinite Card. It has an excellent welcome bonus in place right now of up to 50,000 Aeroplan points and the first year annual fee waived on primary and additional cards. Those 50,000 points are worth, at a minimum, $750. The card also has decent Aeroplan earn rates, provides Aeroplan award flight preferred pricing, gives you your first checked bag free on Air Canada flights, has a good insurance benefits package and more. Like we said this the most well rounded Aeroplan card in Canada.


TD® Aeroplan® Visa Infinite* Card

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Why this is the most well rounded Aeroplan card

The welcome bonus of 50,000 Aeroplan Points coupled with no annual fee in the first year provides huge value

Aeroplan Miles are very valuable when redeeming for business class and first class flights

A strong earn rate is offered on this card of 1 to 1.5 Aeroplan Miles per dollar spent

Extra benefits like preferred pricing on Aeroplan award flights, first checked bag free on Air Canada flights & more!

 



TD® Aeroplan® Visa Infinite* Card

Online exclusive
Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.

Annual Fee $139
Additional Cards: $75 †
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer
Earn up to $1,400 in value† including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply by September 5, 2022.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
  • Earn 20,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†
  • Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†
  • Plus, get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 6, 2022.
Earning Aeroplan Points
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing
Card Benefits
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

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This offer is not available for residents of Quebec. For Quebec residents, please click here.

† Terms and Conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.


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Earn Aeroplan Points

The best card for earning the most possible Aeroplan points


If you are solely about earning as many Aeroplan points as possible this is the card you want. The American Express Cobalt Card will earn you the most Aeroplan points hands down. The card earns Membership Rewards points which can be transferred on a 1:1 basis to Aeroplan which means its 1 to 5x points earn rates translate to 1 to 5 Aeroplan points per dollar spent. No other card in Canada earns 5 Aeroplan points per dollar and the categories where it earns 5x points are eats and drinks. That is grocery stores, restaurants, bars, coffee shops and even food delivery. Take it from us, this is the card the Rewards Canada family uses the most. Mom, dad and both kids all have the Cobalt Card in our wallets. We also have a complete feature called Which credit card earns the most Aeroplan Points which you should also read as it shows you earn rates across various categories. The Cobalt Card takes top spot in 5 out of 7 of those categories. Ideally you would want to also get an actual Aeroplan co-brand card (like the TD Aeroplan card above) since the co-brand cards give you a discount on Aeroplan reward flights. By having the Cobalt Card and an Aeroplan co-brand card not only do you maximize you earning but you also maximizing your redeeming. Want to see all the places you can earn 5x points with the Cobalt Card? Simply visit our American Express Cobalt™ Card Confirmed Multiplier Locations page


American Express Cobalt™ Card


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Why is this card the best?

Earn up to 30,000 welcome bonus points in your first year of having the card (equates to 30,000 Aeroplan points)

Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart
Hint: Use Instacart to bypass Costco, Loblaws, Real Canadian Superstore, and other Loblaw family of stores non-acceptance of American Express

Earns 3x Points per dollar on select streaming services

Earns 2x Points on travel, gas and transit

Convert points to Air Canada Aeroplan on a 1:1 basis (Points transfer almost instantaneously)

 



American Express Cobalt® Card
2022 Overall Top Travel Rewards Card
2022 Top Hybrid Travel Rewards Card
2022 Top Cash Back Card

This is the best overall credit card in Canada!

Monthly Fee $12.99/month of Cardmembership ($155.88 annually) Additional Cards: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances

• In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
      • 30,000 points is enough for: 
            • $300 in statement credits redeemed towards purchases charged to your Card or
            • $225 in American Express® Prepaid Cards

• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
• Earn 3x the points on eligible streaming subscriptions in Canada
• Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B 
• Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases

• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

Apply Now


Best Ultra Premium Aeroplan Card

The Best Ultra Premium Aeroplan Card


For some people getting a credit card is less about the rewards and more about the benefits. That's where Ultra Premium cards come into play. Not that they are poor in the earn department, no in fact most Ultra Premium Cards have very good earn rates but just not as high as cards like the Cobalt Card. So that's where this card comes in, not only will the American Express Aeroplan Reserve Card earn you a decent amount of points but it will give you a lot of great extras when you fly with Air Canada. Priority check in, Priority Boarding, Priority Baggage Handling and one of the most coveted benefits: Air Canada Maple Leaf Lounge access plus a Priority Pass membership to access lounges in airports where Air Canada may not have a lounge. That's only a short list of the benefits. There's much more including first checked bag free, strong insurance coverage and so forth.


American Express® Aeroplan®* Reserve Card

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Why is this card the best?

Earn up to a total of 85,000 welcome bonus Aeroplan points when you get the card

Earn 3 points per dollar spent on Air Canada purchases (including Air Canada Vacations

Maple Leaf Lounge access in North America and Priority Pass membership

Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date

Priority Check-in, Priority Boarding, Priority Baggage Handling, First checked bag free and more!

 



American Express® Aeroplan®* Reserve Card

Card Type: Credit   
Annual Fee: $599
Additional Card Fee: $199 for each Additional Aeroplan®* Reserve Card to share some of the benefits and earn Aeroplan points faster $0 for each Additional Aeroplan®* Reserve No Fee Card to earn points faster
Annual interest rate 19.99% on purchases and 21.99% on funds advances

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:

  • Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first 3 months of Cardmembership
  • Plus, you can also earn 5,000 Aeroplan points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points
  • New Cardmembers: Earn up to $2,700 in value within your first year. Spend applies to bonus point offers valued at up to $1,700
  • Eligible cardmembers get a FREE Uber Pass membership for 12 months. Including unlimited $0 delivery fee on eligible restaurant orders of $15 or more, 5% off eligible restaurant orders over $15, and exclusive Rides Perks
  • New Cardmembers: Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
  • Standard Earn Rate: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada
  • Earn 2X the points on eligible purchases with Rocky Mountaineer®**. 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 Aeroplan Reserve Card
  • Standard Earn Rate: Earn 1.25X the points on everything else
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Enjoy access to select Air Canada Maple Leaf LoungesTM* and Air Canada CaféTM in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
  • Roll over any unallocated Aeroplan EliteTM* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Get more from your travel experience at Toronto Pearson International Airport with:
    • Access to Pearson Priority Security Lane
    • Complimentary valet service at the Express Park and Daily Park
    • 15% discount on parking rates at the Express Park and Daily Park
    • 15% discount on Car Care Services
  • Get access to more than 1,200 Priority Pass airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
  • Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply 

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No Fee Aeroplan card

The Best No Annual Fee Aeroplan Card


You could consider the American Express Green Card as the younger sibling of the American Express Cobalt Card. It is one of only three cards in Canada that you can earn Aeroplan points with and not pay an annual fee. We consider this one the best as it has the best earn rates out of those three cards. The card earns 1 Membership Rewards point per dollar spent on all purchases and since you can convert those points to Aeroplan on a 1:1 basis it effecitively earns 1 Aeroplan point per dollar spent.


American Express Green Card


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Why is this card the best?

Provides the utmost in rewards flexibility with a trio of travel redemption options and redeem for any purchase made on the card (ie cash back)

Earns 1 point per dollar on all spending.

The welcome bonus of 10,000 points is equivalent to 10,000 Aeroplan points

Recommended reading: Clash of the Credit Cards! American Express® Green Card vs. CIBC Aeroplan® Visa* Card



American Express® Green Card

Card Type: Credit Card   
Annual Fee: $0
Additional Card Fee: $0
Annual interest rate 20.99% on purchases and 21.99% on funds advances; Missed payment applicable rates, 23.99% and/or 26.99%

• Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
•As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership
• Earn 1x the points on Card purchases
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

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International Loyalty Programs

The Only Mastercard to earn Aeroplan points


There is one Mastercard in Canada that you can earn Aeroplan points with - well not directly but similar to the Amex cards above the MBNA Best Western Mastercard allows you to convert the points earned into Aeroplan points. The card earns Best Western Rewards points whichcan be converted to Aeroplan at a 5 to 1 ratio. That works out to 0.2 Aeroplan points per dollar spent except at Best Western Hotels where it works out 1 Aeroplan point per dollar. Not ideal but it's an option to fill that spot in your wallet for the merchants that only accept Mastercard - namely Costco. And considering it has no annual fee there's no carrying costs associated with it.


mbna Best Western Mastercard®

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Why is this card?

It's a Mastercard so you can use it at Costco

Earns 1 to 5 Best Western Rewards Points per dollar spent which translates to 0.2 to 1 Aeroplan points

The welcome bonus of 20,000 points works out to 4,000 Aeroplan points

It has not annual fee

 




mbna Best Western Mastercard®


• Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
• Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
• Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
• You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊
• No limit to the Best Western Rewards® points that can be earned using the credit card in a year
• Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more.         

• Standard Annual Interest Rates of 19.99% on standard purchases, 22.99% on balance transfers✪ and access cheques, and 22.99% on cash advances
• No annual fee
• Minimum Credit Score: 680
• This offer is not available for residents of Quebec.  For residents of Quebec, please click here.


Apply Now

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the Apply Now button.

✪ Balance transfers will be fulfilled in the order listed and are treated as balance transfers in accordance with your Account Agreement. The total value of balance transfers cannot exceed your authorized credit limit. If the value is greater, MBNA may send a partial payment to the named creditor/designated account. THERE WILL BE A TRANSACTION FEE EQUAL TO 1.00% OF THE DOLLAR AMOUNT OF EACH BALANCE TRANSFER INITIATED WITH THIS APPLICATION. A MINIMUM FEE OF $7.50 WILL APPLY TO EACH BALANCE TRANSFER TRANSACTION. A balance transfer may not be used to pay off or down your account balance or any other balances with us (including our affiliates, which would include any member of the TD Bank Group).
‡ These are highlights of the credit card rewards program (the “Program”) associated with this credit card account. Points will be awarded on eligible transactions charged to your account as set out in the Program terms and conditions. Complete terms and conditions describing Program eligibility, accrual and redemption of points, and other important conditions, limitations and restrictions will be sent after your account is opened. Please read the terms and conditions carefully upon receipt. Accumulated points can only be redeemed in accordance with the Best Western Rewards Program. The Toronto-Dominion Bank has no liability or responsibility for any aspect of the Best Western Rewards Program. Please visit www.bestwestern.com/bwrterms, call Best Western at 1-800-237-8483 or contact Best Western by mail at P.O. Box 42007, Phoenix, AZ, 85080-2207 for complete Best Western Rewards® Program terms and conditions.
†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer. The account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed. Please allow 8–10 weeks from the transaction date for bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account. This promotion is offered by Best Western and may be amended or cancelled at any time without notice. The Toronto-Dominion Bank is not responsible or liable for any aspect of this promotion.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Each Best Western® branded hotel is independently owned and operated. Best Western and the Best Western marks are service marks or registered service marks of Best Western International, Inc.


International Loyalty Programs

All the cards in Canada that earn Aeroplan points


Finally here is a list of all the cards in Canada the either earn Aeroplan points directly or provide options to convert to Aeroplan:

American Express® Aeroplan®* Card (C$1 = 1 to 2 Aeroplan Points)
American Express® Aeroplan®* Reserve Card (C$1 = 1 to 3 Aeroplan Points)
American Express Cobalt Card
(C$1 = 1 to 5 Aeroplan Points)
American Express Green Card (C$1 = 1 Aeroplan Point)
American Express Gold Rewards Card(C$1 = 1 to 2 Aeroplan Points)
CIBC Aeroplan® Visa Infinite* Card (C$1 = 1 to 1.5 Aeroplan Points)
CIBC Aeroplan® Visa Infinite Privilege* Card (C$1 = 1.25 to 2 Aeroplan Points)
CIBC Aeroplan® Visa* Card (C$1 = 0.67 to 1 Aeroplan Point)
Marriott Bonvoy™ American Express®* Card (C$1 = 0.67 to 2.08 Aeroplan Points)
mbna Best Western Rewards Mastercard (C$1= 0.20 to 1 Aeroplan Point)
Platinum Card from American Express (C$1 = 1 to 3 Aeroplan Points)
TD® Aeroplan® Visa Infinite* Card (C$1 = 1 to 1.5 Aeroplan Points)
TD® Aeroplan® Visa Platinum* Card (C$1 = 0.67 to 1 Aeroplan Point)
TD® Aeroplan® Visa Infinite Privilege* Card (C$1 = 1.25 to 2 Aeroplan Points)

Source: Complete list of Airline & Hotel loyalty programs that you can earn miles or points in with Canadian Credit Cards


There you have it! The best Aeroplan cards in Canada!

Feel free to explore our site for many more articles, tips and tricks for credit cards and loyalty programs in Canada!