An Aeroplan credit card earns points for Air Canada flights and, on most mid-tier cards, gets you a free first checked bag on Air Canada. For most people, the best is the TD Aeroplan Visa Infinite: 1.5 points per $1 on groceries, gas and Air Canada, free bags for up to 8 companions and a first-year fee rebate. With no annual fee, the CIBC Aeroplan Visa is the pick. Here are our five picks, checked against each issuer’s page, plus a calculator.
Key takeaways
- Three banks issue Aeroplan cards: TD, CIBC and American Express. TD and CIBC have near-identical lineups.
- Mid-tier cards ($120 to $159) add the free first checked bag and higher earn rates. That’s the sweet spot for most people.
- Points don’t expire while you’re the primary cardholder of a TD, CIBC or Amex Aeroplan card.
- Preferred Pricing: primary Aeroplan cardholders often see fewer points on Air Canada flight rewards.
How we picked these cards
We compared every personal Aeroplan card from TD, CIBC and American Express on annual fee, earn rates, Air Canada perks such as the free checked bag and lounge access, welcome offer and income needed. All details come from each issuer’s own card page. We value Aeroplan points at 1.5¢: see what Aeroplan points are worth and how we rate cards.
Calculator: which Aeroplan card earns you the most?
Aeroplan card calculatorEnter what you spend in a typical month. See how many Aeroplan points each card earns in a year, and what that’s worth after the annual fee.
Your monthly spending
Best value for you
Points a year
on that card
Value after fee
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Every card on your spending
| Card | Points a year | Worth at 1.5¢ | Annual fee | Net |
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The best Aeroplan credit cards in Canada
1. TD Aeroplan Visa Infinite, best overall
The TD Aeroplan Visa Infinite earns 1.5 points per $1 on groceries, gas, EV charging and Air Canada purchases, and 1 point on everything else. You, additional cardholders and up to 8 companions on the same booking get a free first checked bag when your trip starts on an Air Canada flight. It also includes a NEXUS fee rebate every 48 months and travel medical, trip cancellation and delay insurance.
Best suited for: Anyone who flies Air Canada at least once a year and spends on groceries and gas. TD rebates the fee every year with its All-Inclusive Banking Plan.
2. CIBC Aeroplan Visa Infinite, best for CIBC clients
CIBC’s version matches TD on earn rates: 1.5 points per $1 on groceries, gas, EV charging and Air Canada, and 1 elsewhere, with a free first checked bag. It adds up to 10¢ a litre off at Journie stations (Chevron, Ultramar, Pioneer) with a linked card. The fee is $139 today and rises to $159 on January 12, 2027.
Best suited for: CIBC banking clients and Journie drivers. See our Journie Rewards guide.
3. CIBC Aeroplan Visa, best no-fee card
The easiest way to start collecting Aeroplan points. It earns 1 point per $1 on groceries, gas, EV charging and Air Canada, and 1 point per $1.50 on everything else. There’s no free checked bag or travel insurance, but it needs only $15,000 in household income and keeps your points from expiring while you hold it.
Best suited for: New Aeroplan collectors and anyone who wants Aeroplan points without a fee.
4. American Express Aeroplan Card, best for dining
Amex’s mid-tier card earns 2 points per $1 on Air Canada, 1.5 on dining and food delivery in Canada, and 1 on everything else, with a free first checked bag. It’s a charge card, so you pay the balance in full each month. The fee rises from $120 to $150 on January 12, 2027.
Best suited for: People who eat out a lot and fly Air Canada. Amex isn’t taken everywhere, so carry a Visa or Mastercard too.
5. American Express Aeroplan Reserve, best for lounges
The Reserve is for frequent Air Canada flyers. It includes Maple Leaf Lounge access for you and a guest, priority check-in and boarding, a free first checked bag and a yearly Worldwide Companion Pass after $25,000 in spending. It earns 3 points per $1 on Air Canada, 2 on dining, and 1.25 on everything else.
Best suited for: Frequent Air Canada flyers who will use the lounges every year.
Also worth a look
- CIBC Aeroplan Visa Infinite Privilege: $599 ($699 from January 12, 2027). Maple Leaf Lounge access, 2 points per $1 on Air Canada, 1.5 on groceries, gas, travel and dining, 1.25 elsewhere. Needs $150,000 personal or $200,000 household income.
- TD Aeroplan Visa Platinum: $89. Earns like the no-fee CIBC card (1 point per $1 in categories, 1 per $1.50 elsewhere), so the CIBC card is usually the better choice.
Side-by-side comparison
| Card | Annual fee | Groceries and gas | Air Canada | Dining | Everything else | Free bag |
|---|---|---|---|---|---|---|
| TD Aeroplan Visa Infinite | $139 | 1.5 | 1.5 | 1 | 1 | Yes |
| CIBC Aeroplan Visa Infinite | $139 ($159 from Jan 2027) | 1.5 | 1.5 | 1 | 1 | Yes |
| CIBC Aeroplan Visa | $0 | 1 | 1 | 0.67 | 0.67 | No |
| Amex Aeroplan Card | $120 ($150 from Jan 2027) | 1 | 2 | 1.5 | 1 | Yes |
| Amex Aeroplan Reserve | $599 ($799 from Jan 2027) | 1.25 | 3 | 2 | 1.25 | Yes |
Points per $1. Air Canada means purchases made directly with Air Canada and Air Canada Vacations.
Frequently asked questions
What is the best Aeroplan credit card in Canada?
For most people, the TD Aeroplan Visa Infinite: $139 with a first-year rebate, 1.5 points per $1 on groceries, gas and Air Canada, and a free first checked bag for you and up to 8 companions. The CIBC Aeroplan Visa Infinite is a close match.
What is the best no-fee Aeroplan credit card?
The CIBC Aeroplan Visa. It earns 1 point per $1 on groceries, gas, EV charging and Air Canada, and 1 per $1.50 elsewhere, and needs $15,000 household income.
Which Aeroplan cards give a free checked bag?
The TD Aeroplan Visa Infinite, CIBC Aeroplan Visa Infinite, American Express Aeroplan Card and the premium Aeroplan cards include a free first checked bag on Air Canada. The no-fee CIBC Aeroplan Visa doesn’t.
Which Aeroplan card has Maple Leaf Lounge access?
The American Express Aeroplan Reserve and the CIBC Aeroplan Visa Infinite Privilege both include Maple Leaf Lounge access.
Are Aeroplan card fees going up?
Yes, for some cards. From January 12, 2027, the Amex Aeroplan Card rises to $150, the Amex Aeroplan Reserve to $799, the CIBC Aeroplan Visa Infinite to $159 and the CIBC Aeroplan Visa Infinite Privilege to $699.
Do Aeroplan points expire if I have an Aeroplan credit card?
No. Points don’t expire while you’re the primary holder of a TD, CIBC or American Express Aeroplan card.
Related reading
- Aeroplan points value: what your points are worth, with a calculator
- Do Aeroplan points expire?: the 18-month rule
- Best travel credit cards: all travel cards compared
- WestJet credit card review: if you fly WestJet instead
- Best rewards credit cards: Aeroplan and other top picks
How we checked: Annual fees, announced fee changes, earn rates, welcome offers, income requirements, the free checked bag and lounge access come from each card’s page at TD, CIBC and American Express Canada. Welcome offers change often and may end without notice. The calculator values Aeroplan points at 1.5¢, our estimate, uses ongoing annual fees including announced increases, and leaves out welcome offers, category caps, the free bag and other perks. This list is general information, not financial advice. Sources: TD Aeroplan Visa Infinite; TD Aeroplan Visa Platinum; CIBC Aeroplan Visa Infinite; CIBC Aeroplan Visa; CIBC Aeroplan Visa Infinite Privilege; American Express: compare Aeroplan cards. Last checked October 2026.
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