The Best Aeroplan Credit Cards - October 2024
Last updated: October 4, 2024
As 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.
Quick jump to each of the categories on this page:
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 no annual fee in the first year. 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.
Why this is the most well rounded Aeroplan card
The welcome bonus of 50,000 Aeroplan Points + first year free
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
2024 Top Airline Credit Card
Earn up to $1,500 in value† including up to 50,000 Aeroplan points† and no Annual Fee for the first year†.
Conditions Apply. Account must be approved by January 6, 2025.
Annual Fee $139 | Additional Cards: $75 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $60,000 personal or $100,000 household annual income
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†
- Enroll for NEXUS and once every 48 months get an application fee rebate†
- Plus, share free first checked bags with up to 8 travel companions†
- 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 January 6, 2025.
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
- Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more.
- 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.
- Click here to apply for TD Aeroplan Visa Infinite Card
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.
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
Why is this the best points earning card?
Earn up to 15,000 welcome bonus points in your first year of having the card (equates to 15,000 Aeroplan points)
Earns 5x Points per dollar on Eats & Drinks - including food delivery services like Skip the Dishes and Instacart
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
2024 Top Overall Travel Rewards Card | 2024 Top Hybrid Travel Rewards Card
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Monthly Fee $12.99/month of Cardmembership ($155.88 annually) | Additional Cards: $0 | Annual interest rate 21.99% on purchases and 21.99% on funds advances
- Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
- Earn 3x the points on eligible streaming subscriptions in Canada
- Earn 2x the points on eligible ride shares, transit & gas in Canada
- Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
- Earn 1x point for every $1 in Card purchases everywhere else
- Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
- 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® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM
- 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. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment
- Click here to apply for the American Express Cobalt 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 TD Aeroplan Visa Infinite Privilege 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.
Why is this the best Ultra Premium card?
Earn up to a total of 80,000 welcome bonus Aeroplan points when you get the card
Earn 2 points per dollar spent on Air Canada purchases (including Air Canada Vacations)
Maple Leaf Lounge access in North America and Visa Airport Companion membership with 6 annual passes
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!
TD® Aeroplan® Visa Infinite Privilege* Card
Canada's Choice for Top Ultra Premium Credit Card 2024
Earn up to $2,900 in value† including up to 80,000 Aeroplan points† .
Conditions Apply. Account must be approved by January 6, 2025.
Annual Fee $599 | Additional Cards: $199 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $150,000 annual personal income or $200,000 annual household income
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†
Additional Travel Benefits - Enroll for NEXUS and once every 48 months get an application fee rebate†
- Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
- Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.†
- Earn Aeroplan Points on your everyday purchases
- Take advantage of an extensive suite of travel insurance.
- Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases
- Earn 1.25 points† 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)
- Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
- Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
- 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. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
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.
