Best Aeroplan Credit Cards

Earn travel rewards points with one of Canada's largest travel loyalty programs.

WRITTEN BY
Priya Correia
Updated September 17, 2020

What is Aeroplan? 

Aeroplan is a travel loyalty program in Canada that allows you to earn and redeem Aeroplan points on travel and non-travel related products or services. 

How Much Are Aeroplan Points Worth?

The value of your points will vary depending on what you choose to redeem your points for. In general, flights and travel-related costs will garner you a much higher value than non-travel related purchases. Moreover, if you book your flights far in advance and are flexible with your dates, you can be sure to get the most out of your Aeroplan points. 

Can Aeroplan Points Expire? 

If you do not use your points within 18 consecutive months they will expire. However, you can buy back your expired points for 1 cent per Mile through Aeroplan’s website. 

Can I Book a Flight With Any Airline Using Aeroplan Points? 

You can use your Aeroplan points to book any flight on Air Canada, United Airlines, Air China or any of the other 26 airlines on the Star Alliance Network. 

Which Aeroplan Card Should I Choose? 

There are three main factors you will want to consider when choosing an Aeroplan Credit Card. 

  • Annual Fee – How much your card costs per year is important in understanding whether or not the benefits outweigh the costs. For example: if your annual fee is 300 dollars and 15,000 Aeroplan points are equal to a $300 ticket, how much money would you have to spend before you reached 15,000 points? Assuming you can again between 1 and 2 points per dollar spent, you’d have to spend between $7,500 and $15,000 a year before your benefits covered your costs. 
  • How do you earn points? – Like the annual fee, you also need to consider which purchases gain you points. For example, if you typically use your credit card for groceries, you should look for a credit card that provides the most points in that category. 
  • Perks – Many cards offer travel insurance, shopping insurance, sign-up bonuses, and more. Be sure to evaluate the difference to obtain the card with the highest value for you. 

Best Aeroplan Cards 

  • Amex Personal Gold
  • TD Aeroplan Visa Infinite
  • CIBC Aerogold Visa Infinite

Amex Personal Gold 

Amex Personal Gold
Annual Fee$150
APR30%
Funds Advance Fee3%
Welcome Bonus25,000 Membership Reward points 

While most credit cards provide between 1 to 1.5 points per dollar spent on eligible grocery stores, gas stations, pharmacies, and on certain travel expenses, Amex Personal Gold provides 2  Membership Reward points. All other purchases on your card will earn you 1 Membership Reward point for every dollar spent. Moreover, American Express is currently offering a bonus reward of 25,000 welcome bonus Membership Reward points when you spend $1,500 within the first 3 months of getting your card.

This card is great as it provides great benefits and redemption flexibility. With Amex Personal Gold you can not only redeem your points to shop for electronics, clothes, gifts cards, or cover your purchases made on your card but, you can also transfer your points to any participating Frequent Flyer Program including Aeroplan. At Amex, 1 Membership Reward point is equivalent to 1 Aeroplan point. Moreover, points can be redeemed through the Fixed Points Travel Program which will cover a base price for eligible flights. For example, a flight from Montreal to New York will cover a ticket price of $300 (max) for 15,000 points. 

Extra Features 

  • Travel insurance coverage Whether your flight is delayed (up to $500 in coverage) or cancelled (up to $1,500 in coverage) you’ll be protected. The Amex Personal Gold card also provides medical insurance up to 5,000,000 million
  • Shopping Insurance – With Amex Personal Gold, you can be credited up to $1,000 dollars for the items (if eligible) stolen.  

Eligibility Requirements

In order to apply, you must be a Canadian resident who is at least the age of majority in your province. You must also have a credit file to be eligible for the Amex Personal Gold card. 

TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite
Annual Fee$120
APR20.99%
Cash Advance Rate22.99%
Welcome Bonus15,000 Bonus Aeroplan points

TD Aeroplan Visa Infinite is a credit card with a great welcome bonus of 15,000 Aeroplan points. Groceries, gas, pharmacies, and Air Canada purchases will earn you 1.5 Aeroplan points per dollar spent. All other purchases will give you 1 Aeroplan points per dollar spent. However, you can earn up to 3 Aeroplan points per dollar at certain retail stores and the Aeroplan e-store. You can redeem your Aeroplan points to purchase merchandise, rent cars, book flights, hotels, and vacation packages. If you’re feeling generous, you can also donate your Aeroplan points. 

Extra Features 

  • Insurance coverage – Provides classic travel protection such as medical insurance, flight delays insurance, trip cancellation insurance, baggage insurance, and car rental insurance.
  • Travel Perks – Gain access to Air Canada’s Maple Leaf Lounge, priority check-in and boarding, and complimentary baggage check. 
  • Annual fee – Your annual fee will be waived for the first year you sign-up.

Eligibility Requirements

  • You are a permanent Canadian resident
  • You have reached the age of majority in your province
  • You need a personal income of at least 60,000 or a household income of $100,000

CIBC Aerogold Visa Infinite

CIBC Aerogold Visa Infinite
Annual Fee$120
APR19.99%
Cash Advance Rate22.99%
Welcome Bonus20,000 Aeroplan points

CIBC Aerogold Visa Infinite card starts you off with 15,000 Aeroplan points when you make your first purchase and then rewards you with another 5,000 Aeroplan points when you spend 3,000 within the first 4 credit card statements. You can keep accumulating points (1.5 points per dollar spent) on gas, groceries, pharmacies, and travel purchases through Air Canada. All other purchases will earn you 1.25 points on every dollar spent. 

You can use your points to book trips, buy merchandise, pay down your credit card and make contributions to other financial products such as a savings account, RRSP, or mortgage. This card is like the TD Aeroplan Visa Infinite but with a slightly better bonus and point system. 

Extra Features 

  • Insurance coverage – Provides classic travel protection such as medical insurance, flight delays insurance, trip cancellation insurance, baggage insurance, mobile insurance, and purchase protection.  
  • Travel perks – Gain access to priority check-in and boarding.  
  • Air Canada Maple Leaf Lounge – Gain access to a 1-time guest pass. 

Eligibility Requirements

  • You are a Canadian citizen
  • You have reached the age of majority in your province
  • You need a household income of at least 200,000 or $60,000 individuals.  
  • You haven’t declared bankruptcy in the last 7 years

Bottom Line

If you’re an avid traveller and are keen on using your points wisely, any one of these Aeroplan credit cards will be worth it. Not only do they provide great travel perks like travel insurance, priority check-in and more but, they also come with great welcome bonuses that are easily worth a couple of hundred dollars.