Aeroplan is Air Canada’s loyalty programme — and Canada’s premier travel rewards programme. Co-branded credit cards are issued by TD, CIBC, and American Express, giving Canadians three different Aeroplan card families to choose from across every fee tier.
See also: How Aeroplan Works in Canada 2026 | Best Value Aeroplan Redemptions
All Aeroplan Credit Cards at a Glance
| Card | Annual Fee | Key Earn Rate | Key Perk | Best For |
|---|---|---|---|---|
| TD Aeroplan Visa Infinite | $139 | 1.5x groceries, gas, dining | NEXUS credit; Air Canada bag | Best overall Aeroplan card |
| CIBC Aeroplan Visa Infinite | $139 | 1.5x groceries, gas | Air Canada bag; travel insurance | CIBC clients; companion pass |
| American Express Cobalt | $155 | 5x MR on dining/grocery | MR → Aeroplan 1:1 | Max earn on dining + grocery |
| American Express Gold Rewards | $250 | 2x MR on travel, gas, grocery | MR → Aeroplan 1:1 | Flexible travel earner |
| American Express Aeroplan Reserve | $599 | 3x Aeroplan on Air Canada | Maple Leaf Lounge | Premium Air Canada travellers |
| TD Aeroplan Visa Infinite Privilege | $599 | 2x on groceries, gas, dining | Unlimited Maple Leaf Lounge | Ultra-premium TD Aeroplan |
| CIBC Aeroplan Visa Infinite Privilege | $599 | 2x on key categories | Maple Leaf Lounge; NEXUS | Ultra-premium CIBC Aeroplan |
| TD Aeroplan Visa Platinum | $89 | 1x + bonus categories | No income requirement | Entry paid Aeroplan |
| TD Aeroplan Visa Card | $0 | 1x everywhere | No-cost Aeroplan entry | No-fee Aeroplan earner |
| CIBC Aeroplan Visa Card | $0 | 1x everywhere | No-cost Aeroplan entry | CIBC clients; no fee |
| American Express Aeroplan Card | $0 | 1x everywhere | No-fee Amex Aeroplan | Amex no-fee option |
Mid-Tier Aeroplan Cards ($89–$199/year)
TD Aeroplan Visa Infinite ($139/year) — Best Overall
The most popular Aeroplan credit card in Canada. Consistent choice for Air Canada loyalty paired with everyday earning.
| Category | Earn Rate |
|---|---|
| Air Canada purchases | 1.5x Aeroplan |
| Grocery | 1.5x Aeroplan |
| Gas | 1.5x Aeroplan |
| Dining | 1.5x Aeroplan |
| Everything else | 1x Aeroplan |
Key perks:
- Free first checked bag on Air Canada (cardholder + up to 8 companions on same booking)
- Priority check-in at Air Canada
- NEXUS application fee rebate ($100 every 4 years)
- Comprehensive travel insurance (emergency medical up to $2M, trip cancellation, flight delay, rental car)
Income requirement: $60,000 personal / $100,000 household.
Why it wins: The 1.5x dining earn (which CIBC’s equivalent card lacks) and the NEXUS credit are the practical differentiators over the CIBC counterpart.
CIBC Aeroplan Visa Infinite ($139/year)
Nearly identical to the TD card — same annual fee, same Air Canada perks, same insurance. Key differences:
| Feature | TD Aeroplan Visa Infinite | CIBC Aeroplan Visa Infinite |
|---|---|---|
| Dining earn rate | 1.5x Aeroplan | 1x Aeroplan |
| NEXUS credit | ✓ $100 every 4 years | ✓ $100 every 4 years |
| Companion pass | No | Yes (first-year, select bookings) |
| Travel insurance | ✓ Comprehensive | ✓ Comprehensive |
| Annual fee | $139 | $139 |
Choose CIBC if: You bank with CIBC, the first-year companion pass is being offered, or the welcome bonus is substantially higher than TD’s current offer.
TD Aeroplan Visa Platinum ($89/year) — Best Entry Paid Aeroplan
Earns Aeroplan points with a lower annual fee and no income requirement (unlike the Visa Infinite tier). Good choice for Aeroplan collectors who don’t yet meet the $60,000 income threshold for Visa Infinite.
Income requirement: None stated.
Ultra-Premium Aeroplan Cards ($599/year)
Amex Aeroplan Reserve ($599/year) — Best for Maple Leaf + Amex Ecosystem
| Category | Earn Rate |
|---|---|
| Air Canada purchases | 3x Aeroplan |
| Dining | 2x Aeroplan |
| Everything else | 1.25x Aeroplan |
Premium perks:
- Maple Leaf Club lounge access (cardholder + 1 guest)
- Unlimited Priority Pass membership
- NEXUS fee rebate
- Earn Aeroplan Elite Qualifying Miles faster
Best for: Amex ecosystem users who want the highest Aeroplan earn on Air Canada purchases plus Maple Leaf Lounge access. The 3x on Air Canada significantly outperforms the TD/CIBC Privilege cards for direct Air Canada spenders.
TD Aeroplan Visa Infinite Privilege ($599/year)
| Category | Earn Rate |
|---|---|
| Air Canada purchases | 2x Aeroplan |
| Grocery, gas, dining | 2x Aeroplan |
| Everything else | 1.25x Aeroplan |
Premium perks:
- Unlimited Maple Leaf Club lounge access (cardholder + 1 guest)
- Unlimited DragonPass lounge access (cardholder)
- NEXUS fee rebate
- Premium travel insurance (emergency medical up to $5M)
Best for: TD banking clients flying Air Canada frequently who want unlimited lounge access at both Maple Leaf and global airport lounges.
No-Fee Aeroplan Cards
| Card | Annual Fee | Earn | Best For |
|---|---|---|---|
| TD Aeroplan Visa Card | $0 | 1x everywhere | TD clients wanting Aeroplan with no cost |
| CIBC Aeroplan Visa Card | $0 | 1x everywhere | CIBC clients; no-fee Aeroplan |
| American Express Aeroplan Card | $0 | 1x everywhere | Amex no-fee Aeroplan |
No-fee cards earn Aeroplan points at 1x (1 point per $1 spent) with no Air Canada perks like checked bags or priority check-in. They are useful as a long-term no-cost earner after a welcome bonus period.
Earn via Amex MR Transfer: Cobalt and Gold Rewards
Two non-Aeroplan cards that are effective Aeroplan earners via 1:1 MR → Aeroplan transfer:
| Card | Annual Fee | Earn on Dining/Grocery | Effective Aeroplan Rate |
|---|---|---|---|
| American Express Cobalt | $155 | 5x MR | Up to 5x Aeroplan (via transfer) |
| American Express Gold Rewards | $250 | 2x MR on grocery, gas, travel | Up to 2x Aeroplan (via transfer) |
The Cobalt’s 5x earn on dining and grocery, transferred to Aeroplan, is significantly higher than any co-branded Aeroplan card’s everyday rate — making it the go-to card for Aeroplan-focused Canadians who dine out and grocery shop heavily.
Business Aeroplan Cards
| Card | Annual Fee | Best For |
|---|---|---|
| American Express Aeroplan Business Reserve | $599 | Maple Leaf Lounge; premium business Aeroplan |
| TD Aeroplan Visa Infinite Business | $199 | Business TD Aeroplan travellers |
| CIBC Aeroplan Visa Business | $180 | Business CIBC Aeroplan clients |
| TD Aeroplan Visa Business | $149 | Entry business Aeroplan |
Which Aeroplan Card is Right for You?
| Your Profile | Recommended Card |
|---|---|
| Fly Air Canada 2–8x per year; bank at TD | TD Aeroplan Visa Infinite ($139) |
| Bank at CIBC; welcome bonus is higher at CIBC currently | CIBC Aeroplan Visa Infinite ($139) |
| Heavy dining + grocery spender | Amex Cobalt ($155) — 5x MR → Aeroplan |
| Fly Air Canada 10+ times/year; want lounge access | TD or CIBC Aeroplan Privilege ($599) |
| Maximum Air Canada purchase earn | Amex Aeroplan Reserve ($599) — 3x on Air Canada |
| No income for Visa Infinite threshold | TD Aeroplan Visa Platinum ($89) |
| Just want no-cost Aeroplan earning | Any no-fee Aeroplan card ($0) |
Best Aeroplan Credit Cards FAQ
Best Aeroplan card for everyday spending? TD Aeroplan Visa Infinite ($139) or Amex Cobalt ($155). The Cobalt earns 5x MR (→ Aeroplan) on dining and grocery; the TD card earns 1.5x across grocery, gas, and dining.
Can you transfer Amex points to Aeroplan? Yes — 1:1 ratio from Amex MR to Aeroplan. This makes Cobalt (5x), Gold Rewards (2x), and Platinum (3x) effective Aeroplan cards.
TD or CIBC Aeroplan Visa Infinite — which is better? For most Canadians, TD is slightly better (1.5x dining vs 1x; NEXUS credit). Compare welcome bonuses at application time.
Is the ultra-premium $599 Aeroplan card worth it? Only if you fly Air Canada 10+ times/year and value Maple Leaf Lounge access or ultra-premium insurance.
Do Aeroplan cards include travel insurance? Yes — TD and CIBC Aeroplan Visa Infinite cards include emergency medical (up to $2M), trip cancellation, flight delay, rental car, and baggage insurance.
Related Articles
- How Aeroplan Works in Canada 2026
- Best Aeroplan Redemptions 2026
- Aeroplan Points Value 2026
- TD Aeroplan Visa Infinite Review 2026
- CIBC Aeroplan Visa Infinite Review 2026
- Amex Cobalt Review 2026
- Best Airline Credit Cards in Canada 2026
- Best Travel Credit Cards in Canada 2026
Card details current as of June 2026. Welcome bonuses change frequently — verify with the issuer before applying. See our Advertiser Disclosure.