The Aeroplan® Card

welcome bonus

Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

credit brand

Mastercard®

rewards rate

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

intro apr

N/A

regular apr

21.74%–28.74% variable

foreign transaction fee

credit needed

Good/Excellent

annual fee

$95

rate

4.2

Pros

3x points for each dollar spent at grocery stores.

3x points for each dollar spent on dining at restaurants including takeout and eligible delivery services.

3x points for each dollar spent with Air Canada directly.

1x points for each dollar spent on all other purchases.

500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.

And points do not expire as long as your Aeroplan Credit Card account is open.

First checked bag free on Air Canada flights.

Get preferred rates when you book with Air Canada.

No foreign transaction fees.

Cons

$95 annual fee.

No bonus category rewards other than Air Canada purchases.

Points only transfer to Air Canada Aeroplan program.

Why Choose It

The Aeroplan Card is best suited for loyal Air Canada customers who can maximize the 2X points and free checked bag perks. The sign-up bonus can net you up to 100,000 points to redeem for Air Canada flights. Just know transfer partners are limited outside of Aeroplan. Overall, Air Canada regulars will gain solid ongoing value from the card.

compare Cards

cover/name/rate

Welcome bonus

Annual fee

rewards rate

intro apr

regular apr

foreign transaction fee

credit needed

credit brand

The Aeroplan® Card

4.2

Up to 100K points: 75K points after $4K spend in the first 3 months + 25K after $20K in the first 12 months

$95

3X Air Canada. 3X grocery stores. 3X dining. 500 bonus points with each $2K calendar month spend, up to $6K spend per month (1,500 points max). 1X everywhere else

N/A

21.74%–28.74% variable

Good/Excellent

Mastercard®

Capital One Venture Rewards Credit Card

4.8

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

$95

Earn unlimited 2 miles per dollar on every purchase. Earn unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel

N/A

20.74% - 28.74% variable

Excellent

Capital One

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

4.2

65K after $4K spend in first 6 months

$0 introductory annual fee for the first year, then $99

Earn 2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases

N/A

21.24%–28.49% variable

Good/Excellent

Mastercard®

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