Aeroplan credit cards are the fastest way to earn points for Air Canada flights. Here’s how the TD, CIBC, and Amex options compare. This comparison sits with our other credit card roundups and reviews.
Best Aeroplan Credit Cards at a Glance
| Card | Annual Fee | Best For | Points per $1 |
|---|---|---|---|
| TD Aeroplan Visa Infinite | $139/year | Most travelers | 1.5x gas/groceries/direct Air Canada |
| CIBC Aeroplan Visa Infinite | $139/year | Most travelers | 1.5x gas/groceries/direct Air Canada |
| TD Aeroplan Visa Infinite Privilege | $599/year | Frequent flyers | 2x direct Air Canada, 1.25x-1.5x else |
| CIBC Aeroplan Visa Infinite Privilege | $599/year | Frequent flyers | 2x direct Air Canada, 1x-1.5x else |
| American Express Aeroplan | $120/year | Amex accepters | 2x direct Air Canada |
| American Express Aeroplan Reserve | $599/year | Premium Amex users | 3x Air Canada/dining |
| TD Aeroplan Visa Platinum | $89/year | New to Aeroplan | 1x gas/grocery/Air Canada |
Detailed Card Comparison
TD Aeroplan Visa Infinite
Full review: TD Aeroplan Visa Infinite review.
| Feature | Details |
|---|---|
| Annual fee | $139 |
| First year annual fee waiver | Often available |
| Welcome bonus | Varies; check the current offer at td.com |
| Earn rate | 1 point/$1, 1.5x gas/groceries/direct Air Canada purchases |
| Insurance | Trip cancellation, car rental, purchase protection |
| Income requirement | $60,000 personal or $100,000 household |
Best for: Everyday spenders who want solid Aeroplan earning without premium fees.
Annual earning example:
| Category | Monthly Spend | Points |
|---|---|---|
| Groceries | $600 | 900 |
| Gas | $200 | 300 |
| Other | $1,000 | 1,000 |
| Monthly total | 2,200 | |
| Annual total | 26,400 points |
CIBC Aeroplan Visa Infinite
Full review: CIBC Aeroplan Visa Infinite review.
| Feature | Details |
|---|---|
| Annual fee | $139 |
| First year annual fee waiver | Often available |
| Welcome bonus | Varies; check the current offer at cibc.com |
| Earn rate | 1 point/$1, 1.5x gas/groceries/direct Air Canada purchases |
| Insurance | Trip cancellation, car rental, purchase protection |
| Income requirement | $60,000 personal or $100,000 household |
Best for: CIBC banking customers or those who prefer CIBC.
Note: TD and CIBC Infinite cards are essentially identical. Choose based on welcome bonus or banking relationship.
TD Aeroplan Visa Infinite Privilege
| Feature | Details |
|---|---|
| Annual fee | $599 |
| Welcome bonus | Varies; check the current offer at td.com |
| Earn rate | 2x direct Air Canada/AC Vacations, 1.5x gas/EV/groceries/travel & transit/dining, 1.25x everything else |
| Status | Aeroplan 25K status |
| Lounge access | Dragon Pass (6 visits/year) plus unlimited Maple Leaf Lounge/Air Canada Café access |
| Insurance | Comprehensive travel and purchase |
| Income requirement | $150,000 personal or $200,000 household |
Best for: Heavy spenders and frequent Air Canada flyers who value lounge access and status.
Key benefits:
- Aeroplan 25K status = priority boarding, extra bags, upgrades
- Dragon Pass and Maple Leaf Lounge access
- 1.25x-2x earning depending on category (not a flat rate)
- Companion fare benefit
Annual earning example:
| Monthly Spend | Points |
|---|---|
| $3,000 | 4,500 |
| Annual | 54,000 points |
CIBC Aeroplan Visa Infinite Privilege
| Feature | Details |
|---|---|
| Annual fee | $599 |
| Welcome bonus | Varies; check the current offer at cibc.com |
| Earn rate | 2x direct Air Canada/AC Vacations, 1.5x gas/EV charging/groceries/travel/dining, 1.25x everything else |
| Status | Aeroplan 25K status |
| Lounge access | Unlimited Maple Leaf Lounge/Air Canada Cafe access, plus 6 complimentary visits/year via the Visa Airport Companion Program (Dragon Pass – not Priority Pass) |
| Insurance | Comprehensive |
| Income requirement | $150,000 personal or $200,000 household |
Best for: CIBC customers who want premium Aeroplan earning and travel perks.
Note: CIBC’s and TD’s Privilege cards both earn 1.25x on “everything else” purchases – the two cards’ rewards structures are effectively identical.
American Express Aeroplan Card
| Feature | Details |
|---|---|
| Annual fee | $120 |
| Welcome bonus | Varies; check the current offer at americanexpress.com/en-ca |
| Earn rate | 2x direct Air Canada/AC Vacations, 1.5x dining/food delivery, 1x everything else |
| Insurance | Travel emergency, car rental |
| Acceptance | Amex (limited at some merchants) |
Best for: Those who shop where Amex is accepted and want a low-fee way to earn Aeroplan points on Air Canada purchases and dining. There is no grocery or gas bonus category on this card.
Pros:
- Lower annual fee than TD/CIBC
- 2x on direct Air Canada purchases, 1.5x dining
- Amex offers and benefits
Cons:
- Not accepted everywhere
- No Air Canada-specific perks
American Express Aeroplan Reserve
Full review: Amex Aeroplan Reserve review.
| Feature | Details |
|---|---|
| Annual fee | $599 |
| Welcome bonus | Varies; check the current offer at americanexpress.com/en-ca |
| Earn rate | 3x direct Air Canada/AC Vacations purchases, 2x dining & food delivery, 1.25x everything else (gas/transit is NOT a bonus category) |
| Status | Aeroplan 35K status |
| Lounge access | Unlimited Maple Leaf Lounge + Air Canada Café (Priority Pass is pass-only, no complimentary visits) |
| Insurance | Comprehensive premium coverage |
Best for: Very frequent Air Canada flyers who maximize Amex benefits.
Key benefits:
- 3x on direct Air Canada purchases, 2x on dining & food delivery
- Aeroplan 35K status (higher than Privilege cards)
- Maple Leaf Lounge access
TD Aeroplan Visa Platinum
| Feature | Details |
|---|---|
| Annual fee | $89 (waived year 1 with current offer) |
| Welcome bonus | Varies; check the current offer at td.com |
| Earn rate | 1x gas/grocery/direct Air Canada purchases, 1 point per $1.50 (0.67x) everything else |
| Insurance | Basic trip cancellation |
| Income requirement | None |
Best for: New Aeroplan members or those wanting lower fees. Note this card DOES have bonus categories (gas/grocery/Air Canada): spending outside those categories earns at the lower 0.67x rate, not a flat 1x.
Which Card Should You Choose?
By Annual Spending
| If you spend… | Best card |
|---|---|
| <$20,000/year | TD Aeroplan Visa Platinum or Amex Aeroplan |
| $20,000-$50,000/year | TD/CIBC Infinite |
| $50,000+/year | TD/CIBC Infinite Privilege |
| Heavy Air Canada flyer | Amex Aeroplan Reserve |
By Travel Style
| Travel style | Best card |
|---|---|
| Occasional domestic traveler | TD/CIBC Infinite |
| Frequent domestic traveler | TD/CIBC Infinite Privilege |
| International traveler | TD/CIBC Infinite Privilege (lounge access) |
| Very frequent AC flyer | Amex Aeroplan Reserve |
| Casual points collector | TD Aeroplan Visa Platinum |
By Banking Relationship
| Your bank | Best choice |
|---|---|
| TD customer | TD Aeroplan cards |
| CIBC customer | CIBC Aeroplan cards |
| Neither | Compare current welcome bonuses |
| Prefer Amex | Amex Aeroplan cards |
Two-Card Strategy
Maximize earning by pairing an Aeroplan card with a complementary card:
| Primary Card | Paired Card | Strategy |
|---|---|---|
| TD/CIBC Aeroplan Infinite | Cash back card | Use Aeroplan for travel, cash back for non-bonus |
| TD/CIBC Aeroplan Infinite | Amex Aeroplan | Use Amex on direct Air Canada purchases (2x), TD/CIBC elsewhere |
| Infinite Privilege | Amex Aeroplan | Use Amex on direct Air Canada and grocery spend, Infinite Privilege for everything else and airport lounge access |
Points Value Comparison
Based on 10,000 points earned:
| Card | Annual Fee | Points Value | Net Value |
|---|---|---|---|
| TD/CIBC Infinite | $139 | $150-200 | $11-61 |
| TD/CIBC Privilege | $599 | $150-200 | ($449)-($399) |
| Amex Aeroplan | $120 | $150-200 | $30-80 |
| Amex Reserve | $599 | $150-200 | ($449)-($399) |
Note: Premium cards, which also cover airport lounge access in detail, make sense when you value:
- Status benefits (25K/35K)
- Lounge access (~$50-75/visit)
- Premium insurance coverage
- Companion fare discounts
When Premium Cards Pay Off
TD/CIBC Infinite Privilege ($599)
| Benefit | Value |
|---|---|
| Aeroplan 25K status | ~$500+ (upgrades, bags) |
| Lounge network (Priority Pass on TD; Dragon Pass via the Visa Airport Companion Program on CIBC) | $50-75 per visit × visits |
| 0.25 extra points/$1 (1.25x vs 1x base rate) | ~$125 on $50,000 spend |
| Companion fare | $200-500 savings |
Break-even: ~3-4 lounge visits + status benefits + companion fare
Amex Aeroplan Reserve ($599)
| Benefit | Value |
|---|---|
| Aeroplan 35K status | ~$700+ |
| Maple Leaf Lounges | $50 per visit × visits |
| $200 travel credit | $200 |
| 3x on Air Canada | Significant if buying AC flights |
Break-even: $200 credit + 2-3 lounge visits + status benefits
Current Welcome Bonuses
Welcome offers change frequently; how welcome offers work explains the conditions to check.
| Card | Where to check the current offer |
|---|---|
| TD Infinite | td.com |
| CIBC Infinite | cibc.com |
| TD Privilege | td.com |
| CIBC Privilege | cibc.com |
| Amex Aeroplan | americanexpress.com/en-ca |
| Amex Reserve | americanexpress.com/en-ca |
Tip: Watch for limited-time increased bonuses, especially in spring/fall, and confirm the current offer directly with the issuer before applying.
Frequently Asked Questions
Should I get TD or CIBC Aeroplan?
Compare current welcome bonuses: that’s often the deciding factor. Card benefits are nearly identical. If you bank with one, choose that for easier management.
Is the Infinite Privilege worth $599?
If you:
- Value Aeroplan status (priority boarding, upgrades)
- Use airport lounges several times per year
- Spend $50,000+ annually
- Use the companion fare benefit
Then yes. If not, the $139 Infinite card offers better value.
Can I have both TD and CIBC Aeroplan cards?
Yes. There’s no rule against having multiple Aeroplan credit cards from different banks.
Do Aeroplan points expire?
Aeroplan points expire only after 18 months with no activity on the account, and expiry is temporarily on pause. While you are a primary TD Aeroplan, American Express Aeroplan or CIBC Aeroplan credit cardholder, or hold Aeroplan Elite Status, none of your points expire, regardless of how they were earned (Air Canada, inactivity policy). An authorized user on someone else’s card doesn’t get this exemption.
Can I transfer Scene+ points to Aeroplan?
No. Scene+ has no transfer partnership with Aeroplan or any other airline program – Scene+ points can only be redeemed within the Scene+ program itself (groceries, Cineplex, Home Hardware, Scene+ Travel, gift cards, and statement credits). A Scotiabank card that earns Scene+ does not create an Aeroplan earning path; you need a card that earns Aeroplan points directly.
Related Resources
Sources
The figures and rules on this page come from these sources, last checked against them on October 3, 2026. How we check facts.
- aircanada.com: Keeping your points active - Aeroplan
- americanexpress.com: Compare Aeroplan Cards | Credit Cards | American Express Canada
- CIBC: Credit Card Rewards Calculator | CIBC
- CIBC: CIBC Aeroplan® Visa Infinite Card - CERTIFICATES OF INSURANCE
- TD: AEROPLAN TERMS AND CONDITIONS FOR TD CREDIT CARDS
- TD: TD Aeroplan Visa Infinite Credit Card | TD Canada Trust
- TD: TD Aeroplan Visa Platinum Credit Card | TD Canada Trust