Best Aeroplan Credit Cards in Canada for 2026

Two cards in our data earn Aeroplan points on spend: the TD Aeroplan Visa Infinite and the American Express Aeroplan Reserve Card. Ranked by overall score, highest first.

We do not rank Aeroplan cards we do not have in the data. Membership Rewards cards that list a 1:1 Aeroplan transfer (such as the American Express Cobalt Card) are not Aeroplan earn cards in our data.

Net annual value uses the published spend profile (rewards minus annual fee). Welcome bonuses are scored separately in the formula — see How we rank.

This site values Aeroplan at 1¢ per point. That is an estimate, not an issuer cash or statement-credit rate: Estimate: no issuer cash or fixed-value rate. Air Canada does not publish a fixed cents-per-point for award charts.

Arithmetic at that estimate: 1,000 points × 1¢ = $10. So 1.5 Aeroplan points per $1 is 1.5 × 1¢ = 1.5¢ per dollar, or 1.5%. 3 points per $1 is 3%.

Amex has published a 2¢ flight-redemption example on a rewards-cards page. We do not use that for scores or the calculator. We use the same 1¢ estimate as every other Aeroplan figure on this site.

The TD Aeroplan Visa Infinite lists a welcome value of $1,550 on the TD product page. That listed dollar figure is what our score uses. It is not 50,000 points × 1¢.

Figures below are the earn lines in our card data. Effective % uses this site's 1¢ estimate and is labelled as an estimate.

TD Aeroplan Visa Infinite (3.1/5, $139 annual fee, FX 2.5%). Top listed earn is 1.5% at this site's 1¢/point estimate. Listed welcome offer: Up to 50,000 Aeroplan points: 10,000 on first purchase, 15,000 after $3,000 in 90 days, 25,000 anniversary bonus after $12,000 annual spend, plus first year annual fee rebate Value used in our score: $1,550. Conditions: Activate and make first purchase within 3 months.

• 1.5 Aeroplan points per $1 on Gas, EV charging, grocery, Air Canada purchases — 1.5% at 1¢/point (estimate)
• 1.5 Aeroplan + 1 World of Hyatt point per $1 on Hyatt hotels (when linked)
• 1 Aeroplan point per $1 on All other purchases — 1% at 1¢/point (estimate)

Estimated net annual value on the published spend profile: $77. Air Canada–direct and Hyatt lines are partner-specific in our calculator and are not applied to all travel spend in that estimate.

American Express Aeroplan Reserve Card (1.8/5, $599 annual fee, FX Not listed). Top listed earn is 3% at this site's 1¢/point estimate. Listed welcome offer: Up to 85,000 Aeroplan points: 60,000 with $7,500 net purchases in 3 months, plus 25,000 in month 13 with $2,500 net purchases Value used in our score: $850. Conditions: Not available to current or former cardmembers. Offer subject to change..

• 3 Aeroplan points per $1 on Eligible Air Canada & Air Canada Vacations — 3% at 1¢/point (estimate)
• 2 Aeroplan points per $1 on Dining & food delivery (Canada) — 2% at 1¢/point (estimate)
• 2 Aeroplan points per $1 on Eligible Hyatt hotels/resorts — 2% at 1¢/point (estimate)
• 1.25 Aeroplan points per $1 on All other purchases — 1.25% at 1¢/point (estimate)

Estimated net annual value on the published spend profile: -$368. Air Canada–direct and Hyatt lines are partner-specific in our calculator and are not applied to all travel spend in that estimate.

On the published spend profile, Air Canada–direct spend is not assumed. Grocery, gas, and dining use the general categories those cards list. The American Express Aeroplan Reserve Card 3× line is eligible Air Canada and Air Canada Vacations purchases made directly with Air Canada — not tickets bought from another merchant. Dining 2× on that card does not include groceries, per the Amex membership-benefits page (verified 2026-11-02).

How we rank does not assign dollar values to insurance or lounge access. Listed perks in our data:

TD Aeroplan Visa Infinite: First checked bag free for you and up to 8 companions $100 NEXUS application fee rebate every 48 months. Earn 1,000 SQC for every $20,000 in purchases (up to 25,000 SQC) Listed travel medical is included. Income $60,000 personal, or $100,000 household. FX 2.5%.

American Express Aeroplan Reserve Card: Maple Leaf Lounge access for you + a guest Annual Worldwide Companion Pass. Priority Pass membership (visits charged at the prevailing rate). $100 NEXUS application fee rebate every 4 years. Note: Fee increases to $799 on Jan 12, 2027 (additional card $249, no-fee companion card becomes $25)

The Amex membership-benefits page (verified 2026-11-02) also states: Maple Leaf Lounge access for you and a guest is for lounges in Canada and the United States, not lounges outside North America. Priority Pass membership has the $99 USD membership fee waived; each lounge visit is subject to a usage fee at the prevailing rate. The Worldwide Companion Pass is earned after $25,000 in net purchases and redeems as an accompanying Air Canada economy ticket at a fixed base fare from $99 to $599 plus taxes, fees, charges and surcharges. We do not invent a dollar value for those perks.

Income on the American Express Aeroplan Reserve Card is Not listed. FX is Not listed — we do not treat missing as 0% or as 2.5%.

Pick the TD Aeroplan Visa Infinite if: Score 3.1/5, Visa, $139 annual fee, FX 2.5%. The go-to card for Air Canada travellers with free checked bags for up to 9 people, substantial welcome bonus, and comprehensive travel insurance.

Pick the American Express Aeroplan Reserve Card if: Score 1.8/5, American Express, $599 annual fee, FX Not listed. The ultimate card for Air Canada loyalists with Maple Leaf Lounge access for two and premium travel benefits. Fee increases to $799 on Jan 12, 2027.

If you want Maple Leaf Lounge access: Only the American Express Aeroplan Reserve Card lists it in our data. Its published score is lower because the $599 annual fee is large relative to rewards on the published spend profile (-$368 net).

If you want Visa acceptance and a lower fee: The TD Aeroplan Visa Infinite lists $139, free first checked bags for you and up to eight companions, and 2.5% FX.

Skip cards we do not cover. Amex’s compare-Aeroplan page (verified 2026-11-02) also names an American Express Aeroplan Card ($120 annual fee on that page, rising to $150 on 12 January 2027) and an American Express Aeroplan Business Reserve. TD’s newcomer page names an Aeroplan Visa Platinum. None of those are in our data.

The American Express Cobalt Card lists 1:1 Membership Rewards transfers to Aeroplan. This site still values Membership Rewards at the issuer statement-credit rate. We do not invent a transfer value. See Amex Cobalt vs Gold Rewards.

Run a custom mix on the spending calculator. This ranking is the published score, not an Air Canada–only ranking.