Update: September 4, 2024
American Express, CIBC and TD offer a variety of Aeroplan credit card offers.
Entry Aeroplan Credit Cards
Entry-Level Aeroplan credit cards are offered by two issuers:
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Name | CIBC Aeroplan® Visa* Card | TD® Aeroplan® Visa Platinum* Card |
Welcome offer |
10,000 Aeroplan points on first purchase |
10,000 Aeroplan Points on first purchase |
+ 10,000 additional Aeroplan points (see conditions) |
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+ First Year Annual fee rebate (see conditions) |
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Annual fee | $0 | $89 |
Additional card (with privileges) | $0 | $35 |
Additional card (without privileges) | – | – |
Income required (indiv./household) | – | – |
Earning rate | ![]() |
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Air Canada and Air Canada Vacations | 1 point | 1 point |
Gas | 1 point | 1 point |
Groceries | 1 point | 1 point |
Other | 1 point / $1.50 | 1 point / $1.50 |
Benefits | ||
Preferred pricing | ✓ | ✓ |
No expiry of Aeroplan points | ✓ | ✓ |
Insurance | ![]() |
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Medical | – | – |
Trip cancellation | – | – |
Trip interruption | – | – |
Flight/trip delay | – | $500 – 4 hours |
Baggage Delay | – | $1,000/pers. |
Loss or theft of baggage | – | $1,000/pers. |
Common carrier accident | $100,000 | $500,000 |
Hotel/Motel burglary | – | $2,500 |
Collision/rental vehicle damage | $65,000 – 48 days | $65,000 – 48 days |
Mobile Device | – | $1,000 |
Purchases | 90 days | 90 days |
Extended warranty | 1 additional year | 1 additional year |
CIBC Aeroplan® Visa* Card
Here is the welcome offer for this Aeroplan Credit Card:
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.
TD® Aeroplan® Visa Platinum* Card
With the TD® Aeroplan® Visa Platinum* Credit Card, you can earn up to 20,000 Aeroplan points and a first-year annual fee rebate:
- A welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†
- An annual fee rebate for the primary cardholder (instead of $89)†
With the TD® Aeroplan® Visa Platinum* Card, you earn 1 point per dollar of eligible purchases for:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations
There is no minimum income requirement for this TD Aeroplan credit card.

Core Aeroplan Credit Cards
Core Aeroplan credit cards are the most popular cards. Here are the names of the credit cards offered by the three issuers:
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Name | American Express® Aeroplan®* Card | CIBC Aeroplan® Visa Infinite* Card | TD® Aeroplan® Visa Infinite* Card |
Welcome offer |
Up to 30,000 Aeroplan Points (see conditions) |
10,000 Aeroplan points with first purchase |
10,000 Aeroplan Points with your first purchase† |
+ up to 20,000 Aeroplan points (see conditions) |
+ 20,000 additional Aeroplan points (see conditions) |
+ 15,000 Aeroplan points (see conditions) |
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– | + 10,000 additional Aeroplan points (see conditions) |
+ 15,000 additional Aeroplan points (see conditions) |
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– | + First Year Annual fee rebate (see conditions) |
+ First Year Annual fee rebate (see conditions) |
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Annual fee | 120 $ | 139 $ | 139 $ |
Additional card (with privileges) | $50 | $50 | $75 |
Additional card (without privileges) | $0 | – | – |
Income required (indiv./household) | $0 | $60,000 – $100,000 | $60,000 – $100,000 |
Earning rate | ![]() |
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Air Canada and Air Canada Vacations | 2 points | 1.5 points | 1.5 points |
Gas | 1 point | 1.5 points | 1.5 points |
Groceries | 1 point | 1.5 points | 1.5 points |
Dining and food delivery | 1.5 points | 1 point | 1 point |
Other | 1 point | 1 point | 1 point |
Benefits | ![]() |
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Preferred pricing | ✓ | ✓ | ✓ |
No Expiry of Aeroplan points | ✓ | ✓ | ✓ |
Free first checked bag | ✓ | ✓ | ✓ |
Shared benefits with additional cardholders | ✓ | ✓ | ✓ |
1,000 SQMs and 1 SQS (per $10,000 eligible annual spend) | ✓ | ✓ | ✓ |
$100 Nexus Credit | – | – | ✓ |
Insurance | ![]() |
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Medical | – | $5,000,000 0-64 years: 15 days 65 and +: 3 days |
$2,000,000 0-64 years: 21 days 65 years and +: 4 days |
Trip cancellation | – | $1,500/pers. $5,000 total |
$1,500/pers. $5,000 total |
Trip interruption | – | $2,000/pers. |
$5,000/pers. $25,000 total |
Flight/trip delay | $500 – 4 hours | $500 – 4 hours | $500 – 4 hours |
Baggage Delay | $500/pers. $1,000 total |
$1,000/pers. | |
Lost or Stolen Baggage | $500 | $500/pers. $1,000 total |
$1,000/pers. |
Common carrier accident | $500,000 $ | $500,000 | $500,000 |
Theft from a hotel or motel | $500 | $2,500 $ | $2,500 |
Collision/rental vehicle damage | $85,000 – 48 days | $65,000 – 48 days | $65,000 – 48 days |
Mobile Device | – | $1,000 | $1,000 |
Purchases | 90 days – $1,000 | 90 days | 90 days |
Extended warranty | 1 additional year | 1 additional year | 1 additional year |
American Express® Aeroplan®* Card
With this welcome offer for the Aeroplan®* American Express® Card, you can earn up to 50,000 Aeroplan points.
Here’s how:
- Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months.
- Plus, earn an additional 20,000 Aeroplan points when you spend $1,000 in purchases in month 13
With this Card, you earn 2X the points on purchases made directly with Air Canada and Air Canada Vacations.
And 1.5x the points on Dining and Food Delivery purchases in Canada. Anywhere else, you will earn 1X the points.
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.
Like all American Express Canada Cards, there is no minimum income requirement.
CIBC Aeroplan® Visa Infinite* Card
With the CIBC Aeroplan® Visa Infinite* Card, you can earn up to 40,000 Aeroplan points and a first-year annual fee rebate:
- 10,000 Aeroplan points when you make your first purchase†.
- 20,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
- 10,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
- Plus, get an annual fee rebate for the first year (instead of $139)†
- Annual fee rebate for the first year for up to 3 additional cardholders (instead of $50 per additional card)†
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
It’s the best CIBC credit card for occasional Air Canada travellers.
TD® Aeroplan® Visa Infinite* Card
With the TD Aeroplan Visa Infinite* Card, you can earn up to 40,000 Aeroplan points† and no annual fee for the first year :
- Get 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 15,000 Aeroplan points when you spend $12,000 within 12 months of account opening†
- $100 NEXUS fee rebate†
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
- Get a rebate on first-year annual fees†
It’s the best TD credit card for occasional Air Canada travellers.
With the TD Aeroplan Visa Infinite* Card, you earn 1.5 points† per dollar of eligible purchase for:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations

Premium Aeroplan Credit Cards
Premium Aeroplan credit cards are designed for Air Canada’s frequent flyers. Here are the names of the credit cards offered by the three issuers:
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Name | American Express® Aeroplan®* Reserve Card | CIBC® Aeroplan® Visa Infinite Privilege* Card | TD® Aeroplan® Visa Infinite Privilege* Credit Card |
Welcome offer |
Up to 60,000 Aeroplan points (see conditions) |
20,000 Aeroplan Points on first purchase |
20,000 Aeroplan Points on first purchase† |
+ up to 25,000 Aeroplan points (see conditions) |
+ 20,000 Aeroplan points (see conditions) |
+ 30,000 Aeroplan points points (see conditions) |
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– | + 30,000 Aeroplan points (see conditions) |
+ 30,000 Aeroplan points (see conditions) |
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Annual fee | $599 $ | $599 | $599 |
Additional card (with privileges) | $199 | $149 | $199 |
Additional card (without privileges) | $0 | – | – |
Income required (indiv./household) | 0 $ | $150,000 – $200,000 | $150,000 – $200,000 |
Earning rate | ![]() |
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Air Canada and Air Canada Vacations | 3 points | 2 points | 2 points |
Gas | 1.25 points | 1.5 points | 1.5 points |
Groceries | 1.25 points | 1.5 points | 1.5 points |
Travel | 1.25 points | 1.5 points | 1.5 points |
Dining and food delivery | 2 points | 1.5 points | 1.5 points |
Other | 1.25 points | 1.25 points | 1.25 points |
Benefits | ![]() |
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Preferred pricing | ✓ | ✓ | ✓ |
Aeroplan points do not expire | ✓ | ✓ | ✓ |
Free first checked bag | ✓ | ✓ | ✓ |
Shared benefits with additional cardholders | ✓ | ✓ | ✓ |
1,000 SQMs and 1 SQS (per $5,000 eligible annual spend) | ✓ | ✓ | ✓ |
$100 Nexus Credit | – | ✓ | ✓ |
Travel benefits | ![]() |
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Access to the Maple Leaf lounge | ✓ | ✓ | ✓ |
Six annual airport lounge visits | – | ✓ | ✓ |
Airport Priority Services | ✓ | ✓ | ✓ |
Priority Airport Standby | ✓ | ✓ | ✓ |
Annual companion pass | – | – | – |
Status Qualification Miles Rollover | ✓ | ✓ | ✓ |
eUpgrades Credits Rollover | ✓ | ✓ | ✓ |
Insurance | ![]() |
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Medical | $5,000,000 0-65 years: 15 days |
$5,000,000 0-64 years: 31 days 65 and +: 10 days |
$5,000,000 $ 0-64 years: 31 days 65 years and +: 4 days |
Trip cancellation | $1,500/pers. $3,000 total |
$2,500/pers. $10,000 total |
$2,500/pers. $5,000 total |
Trip interruption | $1,500/pers. $6,000 total |
$5,000/pers. $25,000 total |
$5,000/pers. $25,000 total |
Flight/travel delay | $1,000 – 4 hours | $500 – 4 hours | $1,000 – 4 hours |
Baggage Delay | $500/pers. $1,000 total |
$1,000/pers. | |
Lost or Stolen Baggage | $1,000 | $1,000/pers. $2,500 total |
$2,500/pers. |
Common carrier accident | $500,000 | $500,000 | $500,000 |
Hotel/motel Burglary | $1,000 | $2,500 | $2,500 |
Collision/rental vehicle damage | $85,000 – 48 days | $85,000 – 48 days | $85,000 – 48 days |
Mobile Device | – | $1,500 | $1,500 |
Purchases | 90 days – $1,000 | 180 days | 120 days |
Extended warranty | 1 additional year | 2 additional years | 2 additional years |
Of the three premium Aeroplan credit cards, they all offer the same earning rates (1.25 points anywhere). On the other hand, the fees are different for CIBC ($149 instead of $199 for the additional TD card). But $50 instead of $100 for the Nexus credit.
On the American Express side, the American Express® Aeroplan®* Reserve Card stands out for its high accumulation rate for purchases with Air Canada and Air Canada Vacations: 3 points per dollar. However, the six airport lounge visits are missing, as is the Nexus fee rebate.
However, unlike CIBC and TD, which require an individual income of $150,000 or a family income of $200,000, the American Express® Aeroplan®* Reserve Card requires no minimum income.
American Express®* Aeroplan® Reserve Card
With this welcome offer for the American Express®* Aeroplan® Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:
- 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
With this Amex Aeroplan Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.
With this Amex Aeroplan Premium Card, you receive many Air Canada travel benefits, such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada flyers.
With this American Express Aeroplan Card, enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.
Like all American Express Canada Cards, there is no minimum income requirement.
TD® Aeroplan® Visa Infinite Privilege* Credit Card
With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 80,000 Aeroplan points†:
- 20,000 Aeroplan points when you make your first purchase with your new card†
- 30,000 additional Aeroplan points when you spend $12,000 within 180 days of account opening†
- Plus, earn a one-time Anniversary Bonus of 30,000 Aeroplan Bonus Points when you spend $24,000 within 12 months of account opening†
- $100 NEXUS fee rebate†
- Access to Air Canada Maple Leaf lounges†
- 6 annual visits to airport lounge members of the Visa Airport Companion† Program hosted by Dragonpass International Ltd.
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
It’s the best TD credit card for Air Canada frequent flyers.
With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points† per dollar of eligible purchase for:
- Grocery stores
- Gas stations
- Travel
- Restaurants
And 2 points† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points† per dollar.

CIBC® Aeroplan® Visa Infinite Privilege* Card
With the CIBC® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 60,000 Aeroplan† points:
- 20,000 Aeroplan points when you make your first purchase†
- 30,000 Aeroplan points if you spend at least $7,000 during the periods covered by the first 4 monthly statements†
- 10,000 Aeroplan points as an additional bonus if you have at least $15,000 in eligible net purchases charged to your account during the period covered by the first 12 monthly statements†
- Access to Air Canada Maple Leaf lounges†
- 6 annual visits to airport lounge members of the Visa Airport Companion† Program hosted by Dragonpass International Ltd.
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
It’s the best CIBC credit card for Air Canada frequent flyers.
Earning points
American Express Aeroplan credit cards

CIBC Aeroplan Credit cards

TD Aeroplan credit cards

Pros
American Express Aeroplan credit cards

CIBC Aeroplan Credit cards

TD Aeroplan credit cards

Bottom Line
Subscribe to our newsletter so you don’t miss our next posts in which we will compare each credit card in every aspect:
- Earning
- Benefits
- Insurance
- Fees
- And more!
All this to help you choose the right Aeroplan credit card for you!