Best Aeroplan Credit Cards in Canada - October 2026

Up to $1,550 in value^† including up to 50,000 Aeroplan points^† could be yours.
Plus, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening^†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD per eligible cardholder)^†.
• Share free first checked bags for you and up to 8 travel companions^†.
• Get an Annual Fee Rebate for the first year^†

To receive the first-year Annual Fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year Annual Fee rebate, you must add your first Additional Cardholder while this offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

New cardholders of the American Express^® Aeroplan^®* Reserve Card can earn up to 85,000 Aeroplan points

• • Earn 60,000 points after spending $7,500 on your Card within your first 3 months of Cardmembership
    
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in the 13th month
  • Earn up to $4,400 in value within your first 13 months. When you combine the welcome bonus offer of up to $1,700 in value with your earning potential from normal and accelerated spending categories offering approximately $1,760 and the $1,000 in value you get with exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.

• Notice: As of Jan 12, 2027, the American Express^® Aeroplan^®* Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan^®* Reserve Card annual fee will increase to $249. The Additional Aeroplan^®* Reserve No Fee Card will be renamed to the Additional Aeroplan^®* Reserve Companion Card and the annual fee will increase to $25. Learn more about new benefits.

Card features

• Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada^®* and Air Canada Vacations^®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges^™* and Air Canada Café^™ in North America for you and a guest, with a same day ticket on a departing Air Canada^®* or Star Alliance^®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^TM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express^® Aeroplan^®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Get more from your travel experience at Toronto Pearson International Airport with:
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Auto Care services
• American Express^® Aeroplan^®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Up to $500 in value^†, including up to 20,000 Aeroplan points^† could be yours and receive an Annual Fee rebate for the first year^†. Conditions Apply.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn an additional 10,000 Aeroplan points when you spend $1,500 within 90 days of Account opening^†
• Get an Annual Fee rebate for the first year^†

To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

• Earn 1 point^† for every $1 spent on eligible gas, grocery and direct through Air Canada^® purchases (including Air Canada Vacations^®) made with your card
• Earn 1 point^† for every $1.50 spent on all other eligible purchases^† made with your Card
• Earn points twice^†when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD^® Aeroplan^® Visa Platinum* Cardholder
• Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.

Up to $3,300 in value^† including up to 100,000 Aeroplan points^† and additional travel benefits could be yours. Conditions Apply.

• Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening^†
• Plus, earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Additional Travel Benefits:

• Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD per eligible cardholder)^†.
• Share free first checked bags for you and up to 8 travel companions^† and get unlimited access to Maple Leaf Lounges^† including complimentary access for one guest.
• Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program^†

• New American Express^® Aeroplan^®* Cardmembers can earn up to 45,000 Aeroplan points:
  • Earn 35,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 6 months.
  • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.
  • You could earn up to $1,550 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $900 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,550 or more in value within your first 13 months. Terms and usage assumptions apply.

• Notice: As of Jan 12, 2027, the American Express^® Aeroplan^®* Card annual fee will increase to $150. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan^®* Card annual fee will increase to $59. The Additional Aeroplan^®* No Fee Card will be renamed to the Additional Aeroplan^®* Companion Card and the annual fee will increase to $25. Learn more about new benefits.

Card features

• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada^®* and Air Canada Vacations^®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights
• Get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express^® Aeroplan^®* Card has been made with 70% reclaimed plastic
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Earn up to 120,000 Welcome Bonus Aeroplan^®* points.

• Earn 80,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan^®* Business Reserve Cardmember.
• Plus, earn 40,000 Aeroplan points^® when you spend $3,500 in month 13.

• Notice: As of Jan 12, 2027, the American Express^® Aeroplan^®* Business Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Employee Aeroplan^®* Business Reserve Card annual fee will increase to $249. The Employee Aeroplan^®* Business Reserve No Fee Card will be renamed to the Employee Aeroplan^®* Business Reserve Expense Card and the annual fee will increase to $25. Learn more about new benefits.

Earn Aeroplan points that you can redeem in a variety of ways.

• You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations^®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

• Access more than 1,200 Priority Pass^™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges^™ for you and a guest, and Air Canada Café^™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club