Best Credit Card Options
American Express, CIBC, and TD Bank all offers 3-4 co-branded Aeroplan credit cards that can earn you Aeroplan Points on everyday purchases. On top of that, you can also transfer rewards earned in select programs directly to your Aeroplan account. This gives you a large list of cards to choose from when it comes to building your points with the program.
American Express Aeroplan Credit Cards
American Express offers three Aeroplan credit cards consisting of two personal cards and one business card.
They offer the Aeroplan Reserve and Aeroplan Business Reserve Card for those who want maximize their earnings with 3 Aeroplan Points per $1 spent with Air Canada as well as receive a bunch of benefits when flying including companion passes, lounge access, free checked bags and much more.
The AMEX Aeroplan Card is a step down from the Reserve Cards, but still offers a great 2 Aeroplan Points per $1 spent with Air Canada while still offering benefits like free checked bags, travel insurance, and more.
CIBC Aeroplan Credit Cards
CIBC offers three personal cards which comes in three versions: no-annual fee Visa, Visa Infinite, and Visa Infinite Privilege. Maximum benefits and earnings are provided by the Visa Privilege Card which includes a large amount of benefits such as Maple Leaf Lounge Access and Priority Pass, free checked bags, NEXUS application rebates, and exceptional travel and purchase protection. The middle ground is the Visa Infinite Card which still provides great value due to benefits like free checked bags and he ability to earn qualifying miles and segments on spend. If you're looking to just earn a few Aeroplan Points on purchases, the no-annual fee Visa could be a decent option.
TD Aeroplan Credit Cards
TD Bank offers four Aeroplan credit cards consisting of three personal cards and one business card.
Similar to CIBC, TD offers a Visa Platinum, Visa Infinite, and Visa Infinite Privilege Aeroplan credit card. The Visa Infinite Privilege offers a good amount of benefits including lounge access, priority services, NEXUS application rebates and a great return across several categories. The Visa Infinite is a step down, but still provides NEXUS rebates and free checked bags which can be a great money saver. The Visa Platinum Card is a solid option if you're looking for a low fee card that still offers a decent amount of points on your spend.
The TD Visa Business Card falls somewhere between the Visa Infinite Privilege and Visa Infinite Card in terms of benefits. The card earns bonus Aeroplan Points across a whopping seven categories, offers free checked bags for cardholders, and comes with NEXUS application rebates for each individual cardholder as well.
American Express Membership Rewards
American Express Membership Rewards Points can be transferred to the Aeroplan program at a 1:1 ratio. This means that every 1,000 Membership Rewards Points you transfer will give you 1,000 Aeroplan Points. The drawback to using the Membership Rewards Program is that you will not receive benefits specific to Air Canada like Maple Leaf Lounge access, free checked bags, and companion passes. BUT... the benefit to using the program is that you'll have the flexibility to transfer your points to Aeroplan or any of AMEX's other partners such as Delta SkyMiles, Hilton Honors, Marriott Bonvoy and you'll be able to earn points as a significantly faster rate across many categories. For example the American Express Cobalt Card earns 5x points on dining and grocery as well as 2x on travel, gas, and transit. With a 1:1 transfer, you'll really be able to rake in Aeroplan Points at a far better rate across these categories when compared to co-branded Aeroplan credit cards.
Co-Branded or Transfer Partner Cards?
It can be hard to decided between going with a co-branded credit card or choosing the credit card of a transfer partner. This doesn't just apply to Aeroplan, but can apply to other airlines as well as hotel rewards programs. For me, I typically go for both. I'll mainly focus on transfer partner credit cards and then pick up one co-branded credit card for the perks. For example, I would consider picking up the American Express Cobalt Card for the high earning rates that I can use to transfer to my Aeroplan account. I would then choose one of the mid-tier co-branded Aeroplan credit cards like the AMEX Aeroplan Card or CIBC Aeroplan Visa Infinite Card for benefits such as free checked bags which can easily make up for the fee without really running any spend through the card. You'll want to find the best combination that works for you!
Best Credit Card Calculator
This calculator will give you a list of the best credit cards for earning Aeroplan Points based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn Aeroplan Points directly and credit cards that earn rewards that are transferable to your Aeroplan account.
After your results are displayed, you can click on more info to get a more accurate number by adjusting and changing the cash value of perks, spend bonuses, sign up bonuses, annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any U.S. credit card featured on the site.
Best Cards By Estimated Return
Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.
Best Cards By Total Points
Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).