Bremo › Credit Cards › Aeroplan

Best Aeroplan Credit Cards in Canada 2025

Updated: March 2026 | Reviewed by the Bremo editorial team

Aeroplan is Air Canada's loyalty program and one of Canada's most valuable travel currencies. With 45+ airline partners and no fuel surcharges on Air Canada awards, Aeroplan points can unlock significant value — especially on business class flights. Here are the best cards to earn them in 2025.

Aeroplan 101: Points are worth roughly 1.5–2 cents each in economy and up to 4–6 cents in business class. Accumulate on the ground via credit cards; redeem in the air for maximum value.

Best Aeroplan Cards — Quick Comparison

Card	Earn Rate	Annual Fee	Standout Perk
TD Aeroplan Visa Infinite	Up to 1.5 pts/$	$139	Strong travel insurance
CIBC Aeroplan Visa Infinite	Up to 1.5 pts/$	$139	First checked bag free
Amex Cobalt (transfer)	5 MR pts/$ food	$155.88/yr	Flexible transfers to Aeroplan
TD Aeroplan Visa Infinite Privilege	Up to 2 pts/$	$599	Preferred pricing + lounge
TD Aeroplan Visa (no fee)	0.67 pts/$	$0	Free Aeroplan earning

Best Aeroplan Cards in Detail

Top Pick

TD Aeroplan Visa Infinite

The TD Aeroplan Visa Infinite is the most popular Aeroplan credit card in Canada for good reason. It balances strong earn rates, comprehensive travel insurance, and a manageable $139 annual fee. The first-year fee waiver offer frequently makes the card free to try.

1.5 pts/$ on eligible groceries, gas, and Air Canada purchases
1 pt/$ on all other purchases
Earn toward Air Canada status (50% status qualifying miles on Air Canada)
Travel medical, trip cancellation, and car rental insurance
Annual fee: $139 | Income req.: $60,000 individual / $100,000 household
Welcome bonus: commonly 20,000–50,000 Aeroplan miles

Best CIBC Pick

CIBC Aeroplan Visa Infinite

Virtually identical earn rates to the TD version, but with one key difference: the free first checked bag benefit on Air Canada flights for you and up to 8 travel companions. If you check bags regularly, this alone can justify the fee.

1.5 pts/$ on groceries, gas, and Air Canada purchases
1 pt/$ on everything else
Free first checked bag on Air Canada flights
Preferred boarding on Air Canada
Annual fee: $139 | Income req.: $60,000 individual / $100,000 household

Best Transfer Strategy

American Express Cobalt → Transfer to Aeroplan

The Cobalt isn't technically an Aeroplan card, but it's arguably the best way to earn Aeroplan points. Earn 5x Membership Rewards on food and drinks, then transfer to Aeroplan at 1:1. During Amex transfer promotions (30–40% bonus), you can get 6.5–7 Aeroplan points per dollar spent on dining.

5 MR pts/$ on eats and drinks → transfer to Aeroplan 1:1
Transfer bonuses run regularly (typically 30%)
Also transfers to Marriott Bonvoy, British Airways Avios
Monthly fee: $12.99 ($155.88/yr)
Best strategy: Earn on Cobalt, transfer to Aeroplan when promotions run

TD Aeroplan Visa Infinite Privilege

For high-spenders and frequent Air Canada travelers. The $599 fee is high but the premium benefits — preferred pricing on awards, Maple Leaf Club lounge day passes, and accelerated earn — can make it worthwhile.

Up to 2 pts/$ on eligible spending
Preferred pricing on Aeroplan rewards (up to 35% fewer points)
Annual Maple Leaf Club lounge passes
Annual fee: $599

How Aeroplan Points Work

Earning Points

Earn via credit card spend, flying Air Canada, or shopping through the Aeroplan eStore. Credit card spending is the most consistent source for most Canadians.

Redeeming Points

Aeroplan uses a zone-based award chart for flights. Key redemptions:

Toronto–Vancouver economy: ~15,000 points one-way
Toronto–London economy: ~35,000 points one-way
Toronto–Tokyo business class: ~75,000–90,000 points one-way
Partner airlines (United, Lufthansa, ANA, Singapore): Aeroplan points accepted

Points Expiry

Aeroplan points expire after 18 months of inactivity. One purchase on your Aeroplan credit card resets the clock for another 18 months.

Earn Cash Back Without a Credit Card — KOHO

KOHO's prepaid Mastercard earns cash back on groceries and gas without the risk of credit card debt. No credit check, no annual fee. Use code 45ET55JSYA for a sign-up bonus.

Get KOHO Free — Use Code 45ET55JSYA

Bottom Line

For most Canadians, the TD Aeroplan Visa Infinite is the best single Aeroplan card. If you check bags on Air Canada, the CIBC version is equally strong. And for maximum Aeroplan accumulation, pair either card with the Amex Cobalt and transfer during bonus periods.