CardNorth publishes in-depth, independent reviews of Canadian credit cards. Our reviews cover earn rates, welcome bonuses, annual fees, insurance benefits, and perks — all verified against the card issuer’s official terms.
All figures are in Canadian dollars (CAD). We note where cards are unavailable in Quebec due to provincial consumer protection regulations.
Aeroplan Card Reviews
Aeroplan is Canada’s most popular travel rewards programme, co-issued by TD Bank and CIBC, with an additional premium card from American Express.
| Card | Annual Fee | Key Earn Rate | Rating |
|---|---|---|---|
| TD Aeroplan Visa Infinite | $139 | 1.5x groceries, gas & Air Canada | 4.2/5 |
| CIBC Aeroplan Visa Infinite | $139 | 1.5x groceries, gas & Air Canada | 4.1/5 |
| Amex Aeroplan Reserve | $599 | 3x Air Canada purchases | 4.4/5 |
| TD Aeroplan Visa Platinum | $89 | 1x on all purchases | 3.6/5 |
TD Aeroplan Visa Infinite vs. CIBC Aeroplan Visa Infinite
Both cards share the same $139 annual fee and 1.5x earn rate on groceries, gas, and Air Canada purchases. The primary differences are in insurance coverage details and the banking relationship. TD cardholders benefit from TD’s First Class Travel portal integration; CIBC cardholders may prefer CIBC’s banking ecosystem. If you bank with TD, choose the TD card; if you bank with CIBC, the CIBC version is the natural choice.
Is the Amex Aeroplan Reserve Worth $599?
The Amex Aeroplan Reserve is Canada’s premium Aeroplan card. At $599/year, it delivers complimentary Maple Leaf Lounge access (domestic and international), a $100 NEXUS fee credit, and priority boarding. The 3x earn rate on Air Canada purchases is unmatched. For frequent Air Canada flyers who can extract maximum value from lounge access and premium benefits, it easily justifies its fee.
How We Rate Canadian Credit Cards
CardNorth evaluates credit cards on five criteria:
- Earn rates — How much you earn per dollar spent, across spend categories
- Welcome bonus value — Dollar value of the sign-up bonus at typical redemption rates
- Annual fee — Net value after subtracting any credits that offset the fee
- Benefits — Insurance (travel, purchase, extended warranty), lounge access, credits
- Flexibility — How easy is it to earn and redeem? Transfer partners? Blackout dates?
Our ratings are based on the average Canadian cardholder, spending roughly $2,000/month across groceries, gas, dining, and general purchases.
Card details verified as of May 2026. Annual fees, earn rates, and welcome bonuses are subject to change — always confirm with the issuer before applying. See our Advertiser Disclosure.