Air Canada Credit Cards – The Best of 2020

May 28, 2020
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If you often travel with Air Canada, signing up for a credit card with Air Canada perks means you get priority services when boarding, better insurance coverage and extensive rewards perks with Aeroplan and Air Canada combined. All Air Canada credit cards offer these perks and much more to the frequent traveller.

We firmly believe that, this 2020, the best Air Canada credit card is the TD Aeroplan Visa Infinite Privilege card for its awesome travel perks, insurance coverage and its amazing welcome bonus. If you’re a frequent traveller and you haven’t done so already, apply for your own today.

Air Canada Credit Cards promises a seamless, easy, and stress-free travel. Isn’t that what we want as travellers?

Nobody wants to deal with frustrating airport experiences, long waiting lines, lost baggage, flight delays, and so on. Plenty of airline companies have taken it up to themselves to ensure that passengers traveling with them receive a smooth flight experience that begins prior to boarding the plane.

Air Canada, like many other airlines, has partnered with credit card companies to offer priority services to its members. Depending on what you sign up for, this partnership allows you to skip long lines, have access to the airport lounge, and get your hands on as many priority services as possible. 

What Perks Can You Get With Air Canada Credit Cards?

Depending on what Air Canada credit card you sign up for, you will receive one or more of the following perks:

Priority Check-In

Priority check-in enables you to speed through the process of check-in, security and boarding. it allows you the fastest route through the most congested areas of the airport.

Case Study: Salma And Ken’s Holiday

Salma and Ken are parents to a 1-year-old. This is the first time in 12 months that they are finally getting to go on a family holiday. From carrying only 2 cabin-sized bags before the baby came, Salma and Ken now find themselves with 2  large luggage, 3 toddler bags plus 1 travel stroller. Priority check-in enables them to save time in checking and tagging their bags, saves time from waiting in line with a restless baby, and they get their bags tagged and checked by an agent assisting them. 

Case Study #2: Priscilla’s Business Trip

Priscilla is a corporate lawyer with a large firm. She often finds herself having to travel out of state at least 5 to 6 times a month. As a seasoned traveller, Priscilla has a system for packing her medium-sized luggage. However, she often finds herself having to rush to and from client locations and the airport. Priority check-in takes the mental load off of Priscilla as she doesn’t need to worry excessively about long lines at check-in. She just needs to walk up to the priority lane, present her card, and have an agent tag and check-in her bag for her. All Priscilla needs to do is walk up to her gate with her laptop and handbag. 

Priority Security Screening

Just like priority check-in, priority screening allows you to bee among the first in security screening lines which enables you to be the first to board and collect your baggage.

Case Study #3: Nathan The Makeup Artist

Nathan is a makeup artist who flies in and out of Canada to wherever his clients want him. When duty calls, Nathan has a TSA approved makeup travel bag that he uses to pack his brushes, palettes, straighteners, curlers, tweezers, and metal accessories that often set the security alarm off. To avoid this, priority security screening not only saves time for Nathan but he also avoids annoying other passengers who are waiting in line for their turn. It allows him to get through security screening faster. 

Lounge Access

Airport lounges allow selected passengers, the perks and comforts beyond those afforded in the airport terminal itself such as a quieter environment, access to a buffet, snacks, office services and Wi-Fi, to name a few, prior to boarding.

Case Study #4: Amelia, The Frequent Traveller

As a corporate insurance advisor, it is Amelia’s job to meet clients, build a connection with them, introduce corporate insurance, and advise the best packages for their firm. It often involves plenty of emailing back and forth. After a long day at a client’s office, Amelia jumps into a cab and heads to the airport lounge to rest, relax and enjoy some quiet time, have some food and drinks while replying to her emails or catching up on the day’s news. She finds this an extremely rewarding experience especially since it feels like a quiet oasis in an extremely busy and noisy airport.

Priority Boarding

Priority boarding offers selected passengers the possibility to be one of the first passengers to board and it also ensure your hand baggage travels with you in the cabin.

Any of the above-mentioned passengers, be it Salma and Ken, Priscilla, Nathan, or Amelia will gain value through front-of-the-line access when boarding their planes. No waiting in line, no having to stand so long. It gets them in the plane faster and saves time, they can even get the best and easiest spot to stash away their carry-one bags.  Getting on the plane faster also allows them to settle in faster into their seat and pick their entertainments and go to sleep. 

Each card on this list has its own Air Canada Credit Cards perks and benefits. In this review, we will uncover what these are and how you can benefit from each card. 

Air Canada Credit Cards from CIBC

CIBC offers three different credit cards with Air Canada perks:

  • CIBC Aerogold Visa Infinite Card
  • CIBC Aerogold Visa Card for Business
  • CIBC Aerogold Visa Infinite Privilege Card

To compare these credit cards side by side, we scored them in ten different categories. The scores, which you’ll find in the following table, are on a 0-10 points scale and are based on our deep analysis of the nitty-gritty details behind each feature and benefit.

Here are the scores for all three Air Canada credit cards from CIBC:


CIBC Aerogold Visa Infinite CardCIBC Aerogold Visa Card for Business
CIBC Aerogold Visa Infinite Privilege Card
Welcome Bonus61010
Rewards Program101010
Earn Rates101010
Travel Benefits10510
Annual Benefits vs. Annual Fee10610
Referral Program000
Travel Insurance10310
Purchase Coverage957
Foreign Transaction Fees477
Customer Service & Online Experience888
Total776482

CIBC Aerogold Visa Infinite Card

Air Canada Credit Cards- the CIBC Aerogold Visa Infinite Card

CIBC Aerogold Visa Infinite card has a welcome offer of 35,000 in Aeroplan Miles. You get 20,000 miles when you complete your first purchase. Once you spend at least $10,000 within your first year, you get an additional 15,000 miles. That gives you a total of 35,000 Aeroplan miles, enough for 1 long-haul round trip in Economy Class anywhere in Canada or between Canada and the US. This card allows you to set spending limits on additional cards at no extra cost. 

Earn Rates

The earn rates for the card are standard and easy to obtain. This card gives you:

  • 1.5 miles for every $1 spent on eligible gas, grocery, drugstores, and aircanada.com purchases
  • 1 mile for every $1 spent on all other purchases
  • 2x miles when you shop at over 150 Aeroplan Partners and 100+ online retailers

If you spent $200 a month on gas & groceries + $100 spent on other purchases= 19,800 Aeroplan Miles in your first year.

Travel Perks

You’ll love this card because it has pretty sweet deals on the travel perks. You get to travel to over 190 countries with Air Canada and with its 25 partner airlines. Plus, you can use the Aeroplan Miles to cover any fees, surcharges, and taxes related to your flight reward. The priority perks you get are:

  • Priority boarding
  • Priority check-in
  • 1x Air Canada Maple Leaf Lounge access
  • 24-hour concierge services
  • Exclusive offers from Visa Infinite

Travel Insurance

The insurance coverage plan is impressive and comprehensive, as one would expect from a premium card. You get:

  • Emergency medical insurance of up to $5,000,000  up to 15 days of a trip (first 3 days if you are 65 years and above)
  • Flight and baggage delay insurance of up to $500
  • Car rental theft and damage insurance  of up to $65,000 
  • Common Carrier Accident insurance amounting to $500,000 in case of any travel-related accident
  • Trip cancellation and trip interruption insurance of up to $1,500 per insured person

The annual fees for this card are $120 (rebated on the first year). There is also a minimum annual individual income of $60,000.

You’ll like this card because:

For $120 annual fees, this card delivers when it comes to a travel card with decent benefits and coverage. It is worthwhile for the traveler with 1 to 2 travel plans in one calendar year. This card is extremely beneficial especially if you book flights with your Aeroplan miles as the insurance coverage covers rewards flights, something not many cards do. 

This card may not be for you:

The $10,000 minimum expenditure within the first year to obtain additional 15,000 Aeroplan miles may not be everyone’s cup of tea as there are other cards that offer easier and lower expenditure when it comes to welcome bonuses such as the TD Aeroplan Visa Infinite card for instance, which requires a minimum of $3000 expenditure (within the first three months) to get a total of 15,000 Aeroplan Miles. 

CIBC Aerogold Visa Card For Business

CIBC Aerogold Visa Card for Business -add up to 9 additional cards to consolidate business expenses

The CIBC Aerogold Visa Card for Business is the next card in the Air Canada series from CIBC. This card is specifically designed for business travel, enabling you to add up to 9 additional cards to consolidate business expenses. But first, the welcome bonus. This card can earn you a total of  35,000 Aeroplan miles. When you make your first purchase, you get a whopping 20,000 Aeroplan miles and when you spend a minimum of $3,000 in your first four statement period, you get an additional 15,000 Aeroplan miles. 

Earn Rates

For the earn rates, you get:

  • 1.5 miles for every $1 spent on eligible gas, grocery, drugstores, and aircanada.com purchases
  • 1 mile for every $1 spent on all other purchases
  • 2x miles when you shop at over 150 Aeroplan Partners and 100+ online retailers

Travel Perks

With this card, you can book your ticket up to 2 hours before departure and cancel or change your flight times up to 2 hours before departure. 

  • Priority boarding 
  • Priority check-in
  • 1x Air Canada Maple Leaf Lounge access
  • Exclusive offers from Visa Infinite
  • Earning Aeroplan Silver, Black or Diamond gives you access to Market Fare Flights for fewer miles, plus bonus miles and privileges

The card also allows you to redeem Aeroplan Miles to cover taxes, fees, and surcharges associated with your flight reward or redeem them for gift cards, auto rentals, entertainment, merchandise. 

Insurance Coverage

The insurance coverage plan though is not as comprehensive but it does cover some important basics. With this card, you get:

  • Flight Delay & Baggage is covered to $500 per insured person. Plus you are covered up to $500 for loss, theft or damage of your checked baggage
  • Auto Rental Collision / Loss Damage is covered up to $65,000
  • Common Carrier Accident Insurance is up to $500,000 coverage
  • Purchase Security & Extended Protection up to  90 days of purchase

This card does not offer any emergency medical insurance. The annual fees for this card is $180 (rebated on the first year). There is also a minimum annual individual income of $35,000. 

You’ll like this card because:

An attractive welcome bonus equivalent to 2 short-haul round trip flights in Economy class. The earn rates are fairly standard but the best part about this card is that you have the ability to earn miles faster with 9 additional cards and on average, the Aeroplan miles are easy to redeem. 

This card may not be for you:

This card is valuable if you use it to redeem Air Canada flights with Aeroplan so unless you often fly within Canada or between the US and Canada for business, you might want to check out other cards that carry more value such as the American Express AeroplanPlus Gold Card. 

CIBC Aerogold Visa Infinite Privilege Card

CIBC Aerogold Visa Infinite Privilege Card has awelcome offer of 50,000 in Aeroplan Miles

There’s a lot to love about the CIBC Aerogold Visa Infinite Privilege Card and in many ways, this card offers similar benefits to the Aerogold Visa Infinite card in terms of earn rates. However, there are plenty of other perks. For one, this card’s welcome offer stands at 50,000 in Aeroplan Miles which is equivalent to 3 short haul round trip flights in Economy class within Canada or between Canada and the continental U.S. You get 25,000 Aeroplan Miles as a welcome bonus plus earn an additional 25,000 Aeroplan Miles when you spend $3,000 during your first 4 monthly statement periods. 

Earn Rates

The earn rates are standard, which are:

  • 1.5 miles for every $1 spent on eligible gas, grocery, drugstores, and aircanada.com purchases
  • 1.25 mile for every $1 spent on all other purchases
  • 2x miles when you shop at over 150 Aeroplan Partners and 100+ online retailers

If you spent $200 a month on gas & groceries + $100 spent on other purchases= 30,100 Aeroplan Miles in your first year 

Travel Perks

The travel perks are also amplified with this card. You get the best of both the Aerogold Visa Infinite and Aerogold for Business. The priority perks you get are:

  • Priority boarding
  • Priority check-in
  • 4 x Air Canada Maple Leaf Lounge access
  • 6 annual complimentary airport lounge visits with Priority Pass
  • 24-hour concierge services
  • Exclusive offers from Visa Infinite
  • Earning Aeroplan Silver, Black or Diamond gives you access to Market Fare Flights for fewer miles, plus bonus miles and privileges
  • Book or cancel flights up to 2 hours before departure 
  • 50% off companion Business Class ticket 

Insurance Coverage

The insurance coverage plan is also bigger and better. Of course with a premium card with steep annual fees, you get:

  • Out-Of-Province Emergency Travel Medical of $5,000,000 for up to 31 days of a trip (first 10 days if you are 65 years and above)
  • Flight and baggage delay insurance of up to $500 plus  $1,000 per insured person for loss, theft or damage of your checked baggage.
  • Car rental theft and damage insurance  of up to $85,000 
  • Common Carrier Accident insurance amounting to $500,000 in case of any travel-related accident
  • Trip cancellation of $2,500 and trip interruption insurance of up to $5,000 per insured person
  • Purchase Security & Extended Protection up to 180 days of purchase
  • Hotel/Motel Burglary Insurance up to $2,500 

All of these perks come with an annual fee of $399 and a minimum annual individual income of $200,000.

You’ll like this card because:

If extra coverage, benefits, and perks are what you are looking for, this card delivers. Priority check-in, priority boarding, and all the other perks are applicable to all Air Canada flights as well as Aeroplan reward flights. 

This card may not be for you:

The high annual fees may not be in everyone’s budget. This is a primary deciding factor between choosing the CIBC Aeroplan Infinite Privilege or just sticking with the CIBC Aeroplan Infinite card. 

Air Canada Credit Cards from American Express

American Express offers two different credit cards with Air Canada perks. These are:

  • American Express AeroplanPlus Platinum Card
  • American Express® AeroplanPlus Gold Card

Here are these cards’ scores compared side by side, on the same scale as before:


American Express AeroplanPlus Platinum CardAmerican Express AeroplanPlus Gold Card
Welcome Bonus106
Rewards Program810
Earn Rates108
Travel Benefits103
Annual Benefits vs. Annual Fee010
Referral Program00
Travel Insurance106
Purchase Coverage35
Foreign Transaction Fees77
Customer Service & Online Experience1010
Total6865

American Express AeroplanPlus Platinum Card

Air Canada Credit Cards

There is a lot to like about this Air Canada credit card. Firstly, it is known as the best American Express Aeroplan card that enables you to earn miles easily and quickly through your everyday purchases. Let’s start with their welcome bonus. You get 40,000 miles welcome bonus with just a minimum expenditure of $3,000 in the first three months. 

Earn Rates

If you are looking for excellent earn rates, you won’t be disappointed with this card: 

  • 2.25 miles or more for the first $25,000 charged to the card
  • 2.5 miles or more for every 1$ above $25,000 charged to the card
  • 1.25 miles for the first $25,000 charged to the card
  • 1.5 miles for every additional dollar

Travel Perks

You get to travel in style with this card. The travel rewards are: 

  • 1x Annual Partner Ticket Benefit on a Short-Haul roundtrip
  • 1,200 lounge access worldwide including Air Canada Maple Leaf lounges
  • Priority Check-In
  • Complimentary valet service at Pearson Airport
  • Pearson Priority Security Lane

Insurance Coverage

The insurance coverage is comprehensive as you would expect for a card like this. You get:

  • Out-Of-Province Emergency Travel Medical of $5,000,000 for up to 15 days of a trip 
  • Flight delay insurance up to $1,000
  • Trip cancellation of $1,500 
  • Trip interruption insurance of up to $1,500 per insured person
  • Baggage delay insurance of up to $1,000 
  • Lost or Stolen Baggage Insurance up to $1,000 
  • Travel Accident Insurance of up to $500,000
  • Hotel/Motel Burglary Insurance up to $1,000 
  • 24/7 Travel Emergency Assistance
  • Car rental theft and damage insurance  of up to $85,000 

All of these perks come with an annual fee of $499. It is steep but this card was not designed to be kept in your wallet.  The perks and the welcome bonus alone justify the annual fees. 

You’ll like this card because:

 This card is for frequent flyers who want elite status benefits. You will be cruising in style with this card especially with its priority check-in, priority boarding, earn rates as well as annual partner ticket. Access to lounges worldwide is a plus point if you travel often and to many different countries. The awesome travel insurance coverage is also undeniably comprehensive, so you can have your fun but still, feel safe and secured, knowing you are covered. 

This card may not be for you:

Well, the annual fees alone would not sit well for a lot of people. That said, this card is meant to be used at least twice a year to reap the benefits. So unless you’ve planned a calendar of travel plans, skip signing up for this card. 

American Express AeroplanPlus Gold Card

Air Canada Credit Cards

The American Express AeroplanPlus Gold card is another charge card that earns you Aeroplan miles that go straight to your Aeroplan balance without having to convert your reward points. If you’re looking for a travel rewards card that won’t reward you just for traveling, but for your everyday spending as well this card is for you. How does it differ from the Platinum version? Well here are some figures for you. 

Earn Rates

Firstly, there is no huge welcome bonus when you sign up for this card. However, in terms of earn rates, the Gold card delivers with: 

  • 2x miles for the first $10,000 charged to the card (1 for the card and 1+ for the partner brand)
  • 2.25x miles for every 1$ above $10,000 charged to the card (1.25 for the card and 1+ for the partner brand purchase)
  • You can apply for 2 free additional Gold Cards

Travel Perks

The travel rewards pale in comparison to the Platinum card. With the AeroplanPlus Gold, you get:

  • Front Of The Line by American Express Invites opens the door to great music, theater, dining, film, fashion, and shopping experiences

Insurance Coverage

The Gold card offering for Travel Insurance covers the essentials such as: 

  • Flight delay insurance up to $500
  • Baggage delay insurance of up to $500 
  • Lost or Stolen Baggage Insurance up to $500 
  • Hotel/Motel Burglary Insurance up to $500 
  • Travel Accident Insurance of up to $500,000
  • Car rental theft and damage insurance  of up to $85,000 
  • 24 hours travel emergency assistance

For an annual fee of $120, this card offers valuable earn rates, a decent welcome bonus, and moderate coverage. You can also get 2 additional cards for free. 

You’ll like this card because:

The earn rates are the biggest selling point for this card. If you’re not so privy on the rewards but you’re looking for a card that can earn you Aeroplan miles easily and quickly, this card is for you. Plus the annual fee won’t burn your pocket. 

This card may not be for you:

If you are looking for an all-in-one package deal that includes lucrative earn rates, comprehensive coverage, and excellent rewards, you’re better off applying for the Platinum card instead. 

Air Canada Credit Cards from TD

Finally, let’s explore the TD line of cards in partnership with Air Canada. 

  • TD Aeroplan Visa Infinite Card
  • TD Aeroplan Visa Platinum Card
  • TD Aeroplan Visa Infinite Privilege Card

Here are these cards’ scores compared side by side, on the same scale as before:


TD Aeroplan Visa Infinite CardTD Aeroplan Visa Platinum Card
TD Aeroplan Visa Infinite Privilege Card
Welcome Bonus10110
Rewards Program101010
Earn Rates9210
Travel Benefits8010
Annual Benefits vs. Annual Fee10010
Referral Program440
Travel Insurance9710
Purchase Coverage997
Foreign Transaction Fees477
Customer Service & Online Experience668
Total794682

TD Aeroplan Visa Infinite Card

Air Canada Credit Cards

The TD Aeroplan Visa Infinite Card includes good rewards, good Aeroplan miles, with fees that won’t cause a dent in your wallet. First off, if  you apply by 31 May, 2020,you get to earn 30,000 Aeroplan Miles (equivalent to 2 economy short-haul roundtrip flight rewards). You get a welcome bonus of 15,000 Aeroplan Miles as soon as you make your first purchase and an additional 5,000 Aeroplan Miles for each month in each of the first 3 months when you spend a minimum of $1000 per month, up to a total of 15,000 Aeroplan Miles.

That’s 15,000 + 15,000= 30,000 Aeroplan Miles

Earn Rates

The earn rates are: 

  • 2x more Aeroplan miles when you spend at partner brands and at 120 online retailers via the Aeroplan eStore.
  • 1.5 miles for every $1 spent on bookings made through Aircanada.com, eligible grocery, drugstores, and gas
  • 1 mile for every $1 spent on other purchases

If you spent $200 a month on gas & groceries + $100 spent on other purchases= 19,800 Aeroplan Miles in your first year 

Travel Perks

The travel rewards are:

  • Complimentary Visa Privilege Concierge
  • Visa Infinite Hotel Privileges
  • One Complimentary First Checked Bag
  • Priority Check-In and Boarding
  • One Annual One-Time Guest Access Benefit to an Air Canada Maple Leaf Lounge
  • Preferential rates for Avis Rent-A-Car or Budget Rent-A-Car

Insurance Coverage

With this card, you also get the following insurance coverage:

  • Travel Medical Insurance worth a whopping $1 million for your first 21 days (4 days for 65 years or older)
  • Trip Cancellation / Trip Interruption worth $1,500 and up to $5,000 for out-of-pocket expenses
  • Delayed and Lost Baggage covered up to $1,000 if delayed for 6 hours
  • Flight/Trip Delay up to $500
  • Common Carrier Travel Accident Insurance of $500,000
  • Auto Rental/Loss Damage Insurance up to 48 consecutive days.
  • 24/7 Emergency Travel Assistance Services

You will like this card because:

The welcome bonus is amazing and easy to accumulate. Plus, the travel benefits are worth it for a card with an annual fee of $120, this card has excellent coverage. Many people sign up for Air Canada credit cards with Aeroplan simply because of the miles they can accumulate, which makes spending while travelling all the more valuable. With this card, it makes travelling and accumulating points easy. 

This card may not be ideal for you if: 

Well, there’s nothing much to not like about this credit card. It gives you a good range of rewards and miles for a moderate annual fee. It may not be something for you unless you’re not into rewards and don’t travel at all. You might want to consider cashback cards or cards with a loyalty program for daily purchases.

However, if you still want to earn value on your credit cards by doing daily purchases, then a card without an Aeroplan would be more beneficial for you.

TD Aeroplan Visa Platinum Card

Air Canada Credit Cards

As with the other cards from TD, the TD Aeroplan Visa Platinum card has a promotion right now whereby you can earn up to 17,500 Aeroplan miles if you apply before May 31, 2020. These miles enable you to travel on 1 economy short-haul roundtrip flight reward. Plus the annual fee of $89 is waived on the first year for both the Primary and 1st Additional Cardholder. 

You get a welcome Bonus of 10,000 Aeroplan Miles as soon as you make your first purchase and an additional 2,500 Aeroplan Miles for each month of the first 3 months when you spend a minimum of $500 per month. This gives you a total of 7,500 Aeroplan Miles. 

Earn Rates

The earn rates are standard and decent:

  • 1 mile for every $1 spent on eligible grocery, gas and drugstore expenditure
  • 1 mile for every $1.50 spent on all other purchases
  • 2x earn rates when you use your card at participating retailers and Aeroplan eStore. 

If you spent $200 a month on gas & groceries + $100 spent on other purchases= 13,200 Aeroplan Miles in your first year.

Travel Perks

When it comes to travel rewards, there’s nothing much to shout about when it comes to Air Canada credit cards. The card does not offer valuable deals on travel rewards such as priority booking or check-in. However, the card does offer preferential rates for Avis Rent-A-Car or Budget Rent-A-Car.

Insurance Coverage

For insurance coverage, you get:

  • Delayed/lost baggage coverage of $1,000 per insured person
  • Flight/ trip delay coverage of  $500 in coverage if your flight/trip is delayed more than 4 hours
  • Common carrier travel accident of $500,000.
  • Car rental collision/ loss coverage for up to 48 days
  • Emergency Travel Assistance Services

So what does this cost you? $89 in annual fees and no minimum income requirements.

You will like this card because:

If you are starting out in a job, spending money on gas and groceries regularly and you want to accumulate your Aeroplan Miles to purchase your first flight ticket, this card is for you. Its low annual fees is a good amount to pay for a card with decent earn rates and a welcome bonus that helps kickstart your Aeroplan Miles accumulation. 

This card may not be ideal for you if: 

A seasoned traveler may not find this Air Canada credit card useful. If anything, this is a starter card for people looking to explore the benefits of Aeroplan Miles and starting out to build credit. 

TD Aeroplan Visa Infinite Privilege Card

TD Aeroplan Visa Infinite Privilege Card

The TD Aeroplan Visa Infinite Privilege is the card you want if you’re looking for a TD brand with an Aeroplan program and Air Canada benefits. If you apply before May 31, 2020 you can earn up to 40,000 Aeroplan Miles, equivalent to 2 premium economy class short-haul roundtrip flight rewards).

The welcome bonus on this card starts at 25,000 Aeroplan Miles when you make your first purchase on the card. Plus, you stand to earn an additional 5,000 every month for the first 3 months when you spend a minimum of $1,000 each month. 

Essentially, you are looking at $3,000= 15,000 Aeroplan Miles. 

Earn Rates

For earn rates, it is standard and easy to accumulate. You get: 

  • 1.5 miles for every $1 spent on eligible grocery, gas and drugstore and Air Canada Purchases
  • 1.25 miles for every $1 spent on all other purchases 
  • 2x miles when you shop at participating retailers and Aeroplan eStore

If you spent $200 a month on gas & groceries + $100 spent on other purchases= 30,100 Aeroplan Miles in your first year.

Travel Perks

For travel rewards, you get:

  • Priority Check-In and Boarding
  • Complimentary First-Checked Bag
  • 4x Annual One-Time Guest Access Benefits to a Maple Leaf Lounge (when traveling on an Aeroplan Flight Reward)
  • One 50% discount on a Companion Ticket on an Air Canada Business Class (Flexible) flight
  • Visa Infinite Privileges such as global airport lounge access, 24hr concierge & airport benefits

Insurance Coverage

Now for the travel insurance. This card offers excellent travel insurance that covers:

  • Emergency medical coverage of up to $5,000,000 for up to 22 days (4 days if you are 65 years and older) 
  • Trip cancellation / interruption coverage up to $2,500
  • Delayed/lost baggage coverage of $1,000 per insured person
  • Flight/trip delay coverage of  $1,000 in coverage if your flight/trip is delayed more than 4 hours
  • Common carrier travel accident of $500,000.
  • Car rental collision/loss coverage for up to 48 days
  • Emergency Travel Assistance Services

This card comes with purchase security and extended warranty protection as well and an annual fee of $399 and requires either a minimum personal income of $200,000 to apply.

You’ll like this card because:

The welcome bonus is huge and easy to accumulate. The insurance coverage is impressive and the earn rates are beneficial so long as you use this card whenever you travel. 

This card may not be for you:

Like all the other cards with high annual fees, you need to make sure you use this card as often as possible in order to obtain the benefits and perks. If you don’t have the luxury of spending $399 a year in annual fees neither do you see yourself traveling as much as you want, then this card may not be for you. 

The Bottom Line On Air Canada Credit Cards

So what will your choice be? Overall, you have a choice of 8 Air Canada Credit Cards from three different banks, each with its own perks, benefits, earn rates on day-to-day purchases, as well as how much you can accumulate with Aeroplan Miles.

We recommend the TD Aeroplan Visa Infinite Privilege card for its awesome travel perks, insurance coverage, and its amazing welcome bonus. Even though it does have a hefty annual fee, the benefits greatly outweigh it several times over, especially during the first year of cardmembership. If you’re a frequent travelrre, this is the card for you.