Aeroplan points cards · Canada · Updated 2026-06-23
If you fly Air Canada or a Star Alliance partner, Aeroplan points cards turn everyday spend into business-class flights. Ranked by signup bonus and Air Canada-specific perks.
Cards reviewed
8
Highest 1st-year value
+$1,800
No-fee options
3
Last verified
2026-06-23
Offers cross-checked against Canadian sources (Great Canadian Rebates, FinlyWealth, CreditCardGenius, High Interest Savings, RateHub). We earn a referral fee on some links — it never changes our ranking. Affiliate disclosure.
Estimated first-year values assume typical Canadian spending and realistic point redemptions. Actual rewards vary based on redemption method and individual spending behaviour.
Quick answer
Which Aeroplan points credit card is best in Canada?
Amex Aeroplan points Reserve is the strongest premium pick — Maple Leaf Lounge access and Air Canada perks easily justify the fee for regular Air Canada flyers. CIBC Aeroplan points Visa Infinite Privilege is the Visa equivalent for non-Amex acceptance. For lower fees and long-term value, the TD Aeroplan points Visa Infinite is the strongest keeper.
Editor's picks
Auto-selected from the cards in this category — across overall pick, best value, beginner-friendly and premium tiers.
TD · Visa
Top-tier Aeroplan points card with Maple Leaf Lounge access — the gold standard for Air Canada loyalists who can clear the high minimum spend.
Why this ranked: Ranked highly on estimated first-year value (~$1800 after fees).
Est. 1st-year value
+$1,800
After annual fee
Annual fee
$599/yr
Best with
Chexy
$30 BonusAmerican Express · Amex
The mid-tier Amex Aeroplan points card.
Why this ranked: Ranked highly on estimated first-year value (~$850 after fees).
Est. 1st-year value
+$850
After annual fee
Annual fee
$120/yr
Best with
Chexy
$25 BonusTD · Visa
First-year-free entry into Aeroplan points with a generous tiered bonus.
Why this ranked: Ranked highly on estimated first-year value (~$850 after fees).
Est. 1st-year value
+$850
First year free — annual fee waived in year 1
Annual fee
First Year Free
Best with
Chexy
CIBC · Visa
CIBC's premium Aeroplan points offering.
Why this ranked: Ranked highly on estimated first-year value (~$1700 after fees).
Est. 1st-year value
+$1,700
After annual fee
Annual fee
$599/yr
Best with
Chexy
All cards in this category
8 cards
TD · Visa
Best for premium aeroplan points travelers with maple leaf lounge access
Estimated 1st-year net value
+$1,800
After annual fee
Top-tier Aeroplan points card with Maple Leaf Lounge access — the gold standard for Air Canada loyalists who can clear the high minimum spend.
+$480 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full reviewCIBC · Visa
Best for premium aeroplan points travelers (cibc issuer alternative)
Estimated 1st-year net value
+$1,700
After annual fee
CIBC's premium Aeroplan points offering.
+$460 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full reviewEstimated 1st-year net value
+$1,400
After annual fee
If you fly Air Canada at all, Air Canada Maple Leaf Lounge access access alone justifies the annual fee year one.
+$80 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full review$30 BonusAmerican Express · Amex
Best for mid-tier aeroplan points earners with rent minimum spend
Estimated 1st-year net value
+$850
After annual fee
The mid-tier Amex Aeroplan points card.
+$220 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full review$25 BonusTD · Visa
Best for mainstream aeroplan points users with first year free entry
Estimated 1st-year net value
+$850
First year free — annual fee waived in year 1
First-year-free entry into Aeroplan points with a generous tiered bonus.
+$220 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full review
CIBC · Visa
Best for aeroplan points beginners with first year free entry (cibc alternative to td)
Estimated 1st-year net value
+$850
First year free — annual fee waived in year 1
CIBC's beginner Aeroplan points card with First Year Free entry.
+$220 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full review
$40 BonusAmerican Express · Amex
Best for business spend with moderate minimum spend
Estimated 1st-year net value
+$800
After annual fee
Flexible Membership Rewards for business owners with steady spend.
+$200 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full reviewEstimated 1st-year net value
+$380
First year free — annual fee waived in year 1
The accessible TD Aeroplan points card with no income gate.
+$110 est. rent rewards via Chexy · after payment costs
We compare multiple Canadian rebate partners before routing you to an application.
Read full reviewEditorial methodology
We selected cards that earn directly in Aeroplan points or have explicit Aeroplan points transfer/co-brand status. Premium Reserve-tier cards win on lounge access and bonus value; mid-tier cards win on long-term keeper math.
We re-verify every offer monthly and recalculate estimated first-year value using the current signup bonus, annual fee and a typical Canadian spending profile. See how we review for the full methodology.
People also compare
$50American Express · Amex
American Express Aeroplan Reserve
Often comparedWhy: Frequently weighed against TD Aeroplan Visa Infinite Privilege by similar Canadian renters.
vs current: Same fee tier — direct head-to-head choice.
See review
CIBC · Visa
CIBC Aeroplan Visa Infinite Privilege
Often comparedWhy: Frequently weighed against TD Aeroplan Visa Infinite Privilege by similar Canadian renters.
vs current: Same fee tier — direct head-to-head choice.
See review
$30American Express · Amex
American Express Aeroplan Card
Often comparedWhy: Frequently weighed against TD Aeroplan Visa Infinite Privilege by similar Canadian renters.
vs current: Different tier — useful sanity check.
See review
$25TD · Visa
TD Aeroplan Visa Infinite
Often comparedWhy: Frequently weighed against TD Aeroplan Visa Infinite Privilege by similar Canadian renters.
vs current: Different tier — useful sanity check.
See review
Reasons are generated from each card's fee, rewards model and platform compatibility — not from advertiser influence. See methodology.
Keep exploring
FAQ
Aeroplan points are typically valued at 1.5–2.5 cents each on Air Canada redemptions, and significantly higher on business and first-class long-haul awards. Cash-equivalent value is ~1 cent.
If you fly Air Canada at least 2x/year and use Maple Leaf Lounge access, yes — the lounge access alone offsets a meaningful portion of the fee. If you don't fly Air Canada, no.
Yes through Chexy (which accepts Amex). Aeroplan points-earning Amex cards like the Aeroplan points Reserve route through Chexy at a 1.75% fee — the math works when redeeming points for Air Canada travel above ~1.75¢ per point.
