Aeroplan is Canada’s largest airline loyalty program—and certainly one of its most profitable. Owned by Air Canada, Aeroplan gives a ton of flexibility in comparison with different airline loyalty applications. You’ll be able to redeem Aeroplan factors with greater than 50 accomplice airways and even switch factors to different applications. Listed below are the perfect bank cards Aeroplan has to supply.
Featured bank cards
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Finest Aeroplan bank card
TD Aeroplan Visa Infinite Card
Earn as much as 1.5 Aeroplan factors per $1 spent. Plus, get perks like free first checked baggage on Air Canada.
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Curiosity Charges:
20.99% buy, 22.99% money advance, 22.99% stability switch
Welcome supply:
$360 worth
Earn a welcome bonus of 10,000 Aeroplan factors once you make your first Buy together with your new Card. Earn a further 15,000 Aeroplan factors within the first 180 days. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan factors once you spend $12,000 inside 12 months of Account opening.
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Finest premium Aeroplan bank card
American Categorical Aeroplan Reserve Card
Earn as much as 3 Aeroplan factors per $1 spent. Plus, get premium perks like airport lounge entry, companion passes and extra.
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Curiosity Charges:
21.99% buy, 21.99% money advance, N/A stability switch
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Finest various for factors collectors
American Categorical Cobalt Card
Earn as much as 5 Membership Rewards factors per $1 spent, and you’ll switch these factors to Aeroplan at a 1:1 ratio.
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Curiosity Charges:
21.99% buy, 21.99% money advance, N/A stability switch
Welcome supply:
$150 worth
Earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
Examine Aeroplan bank cards
Whether you’re searching for a no-fee card to get you began incomes Aeroplan factors or a full-service journey card with all of the bells and whistles, there’s an Aeroplan bank card for you.
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Take a look at the professionals and cons of our high Aeroplan and premium Aeroplan bank cards, in addition to a number of options for level collectors.
Finest Aeroplan bank cards
Gold: TD Aeroplan Visa Infinite
At a look: The TD Aeroplan Visa Infinite is tailor-made for frequent vacationers in search of premium Air Canada perks and intensive journey insurance coverage. Take pleasure in a Nexus charge rebate each 48 months, and free checked baggage for you and eight companions when your journey begins on an Air Canada flight. Earn 1.5 factors per greenback on gasoline, groceries and Air Canada purchases.
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TD Aeroplan Visa Infinite Card
Annual charge: $139 (waived first yr)
Welcome supply: Earn as much as $1,300 in worth, together with as much as 40,000 Aeroplan factors and no annual charge for the primary yr. Situations apply.
Card particulars
Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
Earnings required | Private revenue of $60,000 or family revenue of $100,000 |
Credit score rating | 680 or increased (beneficial) |
Level worth | Aeroplan factors are value $0.02 on common |
Professionals
- In depth journey insurance coverage: Consists of protection for journey medical (21 days; 4 days for these over 64), journey cancellation/interruption, flight delays, baggage, widespread provider accidents, rental automobiles and lodge burglaries. Plus, get cell machine insurance coverage.
- Free checked baggage: Get free first-checked baggage for you and as much as eight journey companions on Air Canada flights, saving round $35 per economic system traveller inside Canada or the U.S.
- Nexus charge rebate: Get a Nexus software charge rebate each 48 months, value as much as $100.
- Attain Aeroplan Elite Standing sooner: Earn 1,000 Standing Qualifying Miles and one Standing Qualifying Section for each $10,000 spent on the cardboard.
- Earn factors twice: Pay with this card and supply your Aeroplan quantity at accomplice manufacturers and on-line retailers to earn factors twice.
Cons
- Excessive revenue requirement: It could be more durable to qualify for this card.
- Low rewards: The bonus fee of 1.5 factors per greenback on gasoline and groceries is slightly low for a premium, annual-fee card.
Silver: CIBC Aeroplan Visa Infinite Card
At a look: The CIBC Aeroplan Visa Infinite is one other nice choice for Aeroplan collectors. This card is nice for these prioritizing gas/EV rewards, providing 1.5 Aeroplan factors on gasoline, EV charging, groceries and Air Canada purchases, and a gas low cost at Chevron, Ultramar, or Pioneer stations with Journie Rewards. Plus get pleasure from journey insurance coverage, free checked baggage for you and eight companions on Air Canada flights, and most popular pricing on Aeroplan flight redemptions.
CIBC Aeroplan Visa Infinite Card
Annual charge: $139
Welcome supply: Stand up to 45,000 Aeroplan factors (as much as $900 in journey worth).
Card particulars
Rates of interest | 20.99% on purchases and 22.99% on money advances (21.99% for Quebec residents) |
Earnings required | $60,000 (private) or $100,000 (family) |
Credit score rating | None specified |
Level worth | Aeroplan factors are value $0.02 on common |
Finest Amex choice: American Categorical Aeroplan Card
At a look: The American Categorical Aeroplan Card has a decrease annual charge than most premium playing cards and gives increased rewards. Earn 2 factors on Air Canada purchases and 1.5 factors on eating and meals supply. Plus, get free checked baggage for you and eight companions on Air Canada flights. Word that this card is a cost card, which means that whilst you gained’t be restricted by a spending restrict, you’ll must repay the stability in full each month.
American Categorical Aeroplan Card
Annual charge: $120
Welcome supply: Earn as much as 40,000 Aeroplan factors.
Card particulars
Rates of interest | n/a (Word: The American Categorical Aeroplan card is a cost card, so that you’re required to repay the stability in full with this card each month) |
Earnings required | None specified |
Credit score rating | 725 or increased |
Anniversary bonus | earn 10,000 Aeroplan factors once you spend $1,000 in purchases in month 13. |
Level worth | Aeroplan factors are value $0.02 on common |
Finest premium Aeroplan bank card
American Categorical Aeroplan Reserve
At a look: Designed for Air Canada loyalists, this premium card unlocks elite journey advantages like complimentary Maple Leaf Lounge entry, airport advantages, companion passes, Nexus charge rebates and extra. Plus, earn 3 factors on Air Canada purchases, 2 factors on eating/meals supply, and 1.25 factors on all the things else.
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American Categorical Aeroplan Reserve
Annual charge: $599
Welcome supply: Earn as much as 85,000 factors within the first 13 months.
Card particulars
Rates of interest | 21.99% on purchases and 21.99% on money advances |
Earnings required | None specified |
Credit score rating | 725 or increased |
Level worth | Aeroplan factors are value $0.02 on common |
Professionals
- In depth journey insurance coverage: Consists of protection for journey medical, journey cancellation/interruption, flight delays, baggage, lodge burglaries, journey accidents and rental automobiles.
- Airport lounge entry: Limitless Maple Leaf Lounge visits in North America for main and extra cardholders and one visitor on eligible Air Canada and Star Alliance flights.
- Premium airport advantages: Take pleasure in unique Air Canada perks like precedence check-in and boarding, and a free checked bag on eligible Air Canada flights for you and as much as eight journey companions. Get Toronto Pearson Airport perks like precedence safety, complimentary valet parking, and reductions on parking and automotive care providers.
- Nexus charge rebate: Obtain an software or renewal charge rebate each 4 years, of as much as $100.
- Journey perks: Get an annual worldwide companion move at a hard and fast base fare between $99 and $599. Additionally get pleasure from most popular pricing on Air Canada flight redemptions.
- Earn factors twice: Pay with this card and supply your Aeroplan quantity at accomplice manufacturers and on-line retailers to earn factors twice.
Cons
- Excessive annual charge: Whereas the cardboard gives spectacular perks, the associated fee is sort of excessive. You’ll have to maximise the cardboard’s advantages to offset this value.
- No cell machine insurance coverage: Most premium playing cards supply protection for brand new cell units.
- Restricted redemption worth: Factors have highest worth when redeeming for Air Canada flights.
- Amex acceptance: American Categorical isn’t as extensively accepted as Visa and Mastercard.
Finest Aeroplan bank card with no annual charge
CIBC Aeroplan Visa Card
At a look: The CIBC Aeroplan Visa Card is an entry-level choice for incomes Aeroplan factors with out an annual charge. Not shocking for a no-fee card, there are not any premium journey perks like these provided by the opposite co-branded Aeroplan bank cards. Nonetheless, cardholders do get most popular pricing on flight redemptions.
CIBC Aeroplan Visa Card
Annual charge: $0
Welcome supply: Stand up to 10,000 Aeroplan factors (as much as $200 in journey worth).
Card particulars
Rates of interest | 20.99% on purchases and 22.99% on money advances (21.99% for Quebec residents) |
Earnings required | $15,000 (family) |
Credit score rating | None specified |
Level worth | Aeroplan factors are value $0.02 on common |
Finest various for Aeroplan factors collectors
American Categorical Cobalt Card
At a look: The American Categorical Cobalt Card is a superb alternative for these in search of to maximise their Aeroplan factors by means of on a regular basis spending. Though it isn’t co-branded with Aeroplan, the cardboard provides you a powerful earn fee of as much as 5 Membership Rewards (MR) factors per greenback spent. You’ll be able to then switch MR factors to Aeroplan factors at a 1:1 ratio. Because of its sturdy accelerated earn charges, which surpass different Aeroplan co-branded playing cards, you may earn extra Aeroplan factors with the Cobalt than with another card.
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American Categorical Cobalt
Annual charge: $156
Welcome supply: Earn 1,250 factors for every month you spend $750, as much as a most of 15,000 factors.
Card particulars
Rates of interest | 21.99% on purchases, 21.99% on money advances |
Earnings required | None specified |
Credit score rating | 725 or increased |
Level worth | 1 Amex Membership Rewards level = $0.01 when redeemed with the Versatile Factors Journey Program, $0.015 on common with the Mounted Factors Journey Program, and as much as $0.02 with airline factors transfers |
Upcoming modifications to Aeroplan accomplice rewards and charts
Beginning March 25, 2025, Aeroplan is bringing again Etihad Enterprise Class rewards, together with increasing its dynamic pricing mannequin to incorporate choose accomplice airways like United, Emirates, Flydubai, Etihad, and Canadian regional airline companions Canadian North, Calm Air and PAL (Provincial Airways). This shift means redemption charges for these airways will fluctuate based mostly on demand and availability, just like Air Canada’s present system. Whereas this might enhance entry to award seats, it could additionally result in increased level prices for well-liked routes or last-minute bookings.
The up to date Air Canada and choose companions reward chart will simplify pricing transparency by displaying a beginning fee (unchanged from present fastened charges) and quarterly up to date median quantities based mostly on redemptions from the earlier 4 quarters. This median goals to mirror typical prices, however be aware that median quantities could not seem in instances of low redemption quantity (e.g., sure worldwide short-haul ranges) or when just one provider supplies redemption choices (e.g., First Class ranges with Emirates). Aeroplan Elite members and co-branded bank card holders will retain entry to discounted charges on these flights.
Notably, fastened pricing stays unchanged for different Star Alliance companions like ANA, EVA Air, and Lufthansa, providing predictability for worldwide itineraries. For some travels reminiscent of Arctic Canada, reserving earlier than March 25 could also be advisable to lock in present charges. These modifications stability flexibility with value uncertainty, making strategic planning important for maximizing Aeroplan’s evolving rewards.
What number of Aeroplan factors do you want for a flight?
When redeeming for flights on Air Canada, Aeroplan has launched “dynamic pricing,” which implies the variety of factors you want for a flight can fluctuate inside a spread. This modifications relying in your metropolis of departure and arrival, whether or not you’re flying Air Canada or a accomplice airline, and whether or not you’re travelling throughout a high-demand journey season.
At a minimal, you’ll want no less than 6,000 factors to redeem a one-way ticket inside the North America journey zone to any vacation spot inside 500 miles of your departure (or 12,000 factors for a round-trip). That features journeys like Toronto to Ottawa, or Vancouver to Calgary.
The variety of factors you want for redemption will increase as you go additional out of your departure metropolis or enter a brand new journey zone. For instance, you’d want no less than 70,000 Aeroplan factors for a spherical journey to the Atlantic Zone journey zone inside 4,000 miles of your metropolis of departure. Aeroplan has a helpful factors predictor software to estimate what number of factors it is advisable redeem for a flight.
How a lot are Aeroplan factors value?
Sadly, due to the various redemption value described above, Aeroplan factors don’t have a hard and fast worth. Nonetheless, you should use the components under to resolve whether or not it’s best to redeem your factors for a flight.
1 Aeroplan level = (value of ticket – Aeroplan charges) ÷ factors wanted to redeem
Typically, should you discover that your 1 Aeroplan level is value from 1.2 to 1.5 cents, you’re taking a look at a strong deal. Let’s use a round-trip flight from Calgary to Halifax for example:
Flight value | $850 (together with taxes and costs) |
Redemption value | 25,000 Aeroplan factors |
Calculation | ($770 – $80) ÷ 25,000 |
Worth of 1 Aeroplan level | $0.0276 (2.76 cents) |
Enterprise class flights are additionally recognized to supply higher worth as their retail worth is way increased, however you’ll have to rack up extra factors to redeem for these rewards.
Maximizing your Aeroplan factors with Aeroplan’s stopover coverage
Aeroplan has a fantastic stopover coverage that may assist each informal and seasoned travellers stretch the worth of their factors.
When travelling virtually anyplace (outdoors Canada or the U.S.) on Air Canada, you may add a stopover on every one-way flight for an incremental 5,000 factors. Merely seek for your award flight on the Air Canada web site and choose the “Add stopover for flight 1” so as to add your most popular stopover airport. By leveraging this stopover coverage, you may strategically add stops in your routes, see extra locations, and maximize the worth of your factors.
How does Aeroplan Household Sharing work?
Aeroplan Household Sharing gives a streamlined method for households to mix their factors and unlock rewards sooner. As much as eight verified relations—together with spouses, youngsters, siblings, and grandparents—can pool their Aeroplan factors right into a shared stability whereas sustaining particular person accounts. This characteristic is good for households aiming to maximise collective earnings for journeys, upgrades or different redemptions.
The way it works
As soon as a household lead (the pool creator) invitations members, all factors earned by individuals robotically contribute to the shared pool. Redemptions draw proportionally from every member’s contributions, making certain balanced participation. The Household Lead controls permissions, permitting some members to earn factors with out redeeming them—good for folks managing youngsters’s accounts. A standout perk is most popular pricing on Aeroplan flights if the pool features a main Aeroplan credit score cardholder, reducing level prices for everybody.
Word that dissolving a pool returns factors to particular person accounts, minus redeemed quantities. Factors expire after 18 months of inactivity, however incomes and redeeming factors reset the clock for all contributors. Household Sharing doesn’t impression Elite Standing development or bank card advantages.
Advantages of Aeroplan Household Sharing
- Accelerated earnings: Mix occasional earners with frequent level collectors to hit redemption targets faster.
- Versatile redemptions: Use pooled factors for flights, lodges or experiences. Cancelled rewards refund factors to unique contributors.
- No switch charges: Share factors freely inside the pool, avoiding exterior switch charges.
Household Sharing eligibility and verification
After a 2023 pause resulting from misuse, Aeroplan reintroduced Household Sharing with stricter safeguards, making certain households can safely collaborate towards shared journey targets. As of February 2025, Aeroplan requires account verification to create or be a part of swimming pools, enhancing safety. Members should confirm their id through choices like Air Canada flights, Aeroplan bank card matching or instantaneous biometric checks. Current swimming pools stay unaffected, however any modifications to permissions or new invitations would require verification. You should wait six months earlier than becoming a member of or beginning a brand new pool, and relations should keep within the pool for at least three months earlier than they’ll depart.
The best way to earn Aeroplan factors sooner and acquire Elite Standing
With Aeroplan, the extra flights you are taking and the longer the flights, the extra factors you earn. Nonetheless, flying with Air Canada isn’t the one solution to earn Aeroplan factors. You can even earn rewards by:
Reserving with journey companions: airways, lodges, automotive leases and trip packages
Procuring through the Aeroplan eStore: you’ll earn factors from well-liked retailers like Amazon, LCBO, Lululemon, Sephora, and extra. Some companions, like Starbucks, Uber Eats, and Journie Rewards make it straightforward by permitting you to hyperlink your Aeroplan account.
Incomes with Aeroplan retail companions additionally means that you may “double dip” or earn factors twice when you’ve got an Aeroplan bank card: as soon as once you scan your Aeroplan membership card on the register, and once more with the Aeroplan bank card.
The best way to fast-track your solution to Aeroplan Elite Standing
Aeroplan Elite Standing could be achieved by incomes a mixture of Standing Qualifying currencies, which embody:
- Standing Qualifying Miles (SQM): the quantity of precise distance flown with Air Canada
- Standing Qualifying Segments (SQS): the variety of flight segments flown with Air Canada
- Standing Qualifying {Dollars} (SQD): the quantity spent on Air Canada flight tickets
Gaining Aeroplan Elite standing is a bit more difficult than incomes Aeroplan factors: to earn increased standing and the journey perks that include it, you’ll have to accumulate the next inside a calendar yr:
- A set variety of SQM or SQS,
- AND a set variety of SQD
In comparison with the opposite 4 Elite Standing tiers, Elite 25K Standing, the primary standing tier above fundamental Aeroplan membership, is barely simpler to attain. As a substitute of the above, you too can qualify by accumulating 100,000 On a regular basis Qualifying {Dollars} (EQD). That is based mostly on the quantity spent in your Aeroplan bank card through Aeroplan’s journey reserving platform and the Aeroplan eStore. Past that, nonetheless, the easiest way to improve your Aeroplan standing is to be a frequent flyer.
The complete standing qualification necessities could be discovered right here.
Redeeming by means of Air Canada versus Star Alliance member airways
Since Air Canada is a Star Alliance member, Aeroplan factors could be redeemed for flights on Air Canada or any of the roughly two dozen Star Alliance member airways. This makes Aeroplan factors worthwhile for worldwide journey to locations the place Air Canada doesn’t fly.
When redeeming on Star Alliance member airways, which embody United and Lufthansa, redemption prices are fastened (versus Aeroplan’s dynamic pricing). For example, the identical round-trip flight from Calgary to Halifax all the time requires 25,000 factors at any time limit. The one caveat is you’ll must pay an additional $39 reserving charge per traveller when flying on a Star Alliance airline versus utilizing Air Canada itself.
When reserving journey, you’ll need to examine between Air Canada and the opposite Star Alliance airways to see which one gives the perfect return to your factors.
Which Aeroplan playing cards include lounge entry?
Three Aeroplan bank cards present airport lounge entry:
- TD Aeroplan Visa Infinite Privilege Card: Permits entry to Maple Leaf Lounges in North America for main and extra cardholders, every of whom can convey a visitor. This entry is barely out there with a same-day ticket on a departing Air Canada or Star Alliance flight. You’ll additionally get complimentary entry to the Visa Airport Companion Program by Dragonpass that provides you six free visits to over 1,200 lounges worldwide.
- CIBC Aeroplan Visa Infinite Privilege Card: Presents the identical Maple Leaf Lounge and Dragonpass advantages because the TD Aeroplan Visa Infinite Privilege.
- American Categorical Aeroplan Reserve Card: Offers Maple Leaf Lounge entry for the first and extra cardholders (and one extra visitor) on eligible Air Canada and Star Alliance flights.
Which Aeroplan playing cards include a free checked bag?
Baggage charges are all the time rising, making free checked baggage a coveted profit for a lot of vacationers. Many Aeroplan bank cards supply this perk; higher but, the profit is usually not only for cardholders but in addition for these touring with them on the identical flight. The TD Aeroplan Visa Infinite Card and TD Aeroplan Visa Infinite Privilege card present a free checked bag for the cardholder and as much as eight companions (for a complete of 9 folks) on the identical reservation. The CIBC Aeroplan Visa Infinite Visa Card and CIBC Aeroplan Visa Infinite Privilege playing cards supply the identical profit, as does the American Categorical Aeroplan Card and the American Categorical Aeroplan Reserve card. Simply be aware that the flight have to be operated by Air Canada, Air Canada Rouge or underneath the Air Canada Categorical model for the free checked bag profit to use.
Ceaselessly requested questions
Do Aeroplan factors expire?
Aeroplan factors expire after 18 months of inactivity, which means you haven’t earned, redeemed, donated or transferred your factors. When you’ve got an Aeroplan bank card, your Aeroplan account and factors will stay viable.
Can I’ve a number of Aeroplan bank cards?
Sure, you may have a number of Aeroplan bank cards and have factors from completely different playing cards allotted to the identical Aeroplan account. Nonetheless, should you’re pondering of getting a number of playing cards to benefit from welcome bonuses and different perks, be aware that Aeroplan could take into account this to be an abuse of those bonus gives. It could restrict the bonuses you obtain, droop your account or terminate it altogether.