Aeroplan
- Annual fee
- $95
- Network
- visa
- Type
- personal
It earns Aeroplan points on Air Canada purchases, dining, and grocery stores, with a lower base rate on other eligible purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$500 of the advertised value — 75% — comes with strings attached.
- $670 advertised across 3 benefits.
- $500 (75%) needs a booking, enrollment, or deadline.
- Biggest credit — Aeroplan Global +1 benefit (Spend Tier), $500 — comes with conditions.
- Free first checked bag ($140) posts automatically. No hoops.
- No-hoops value covers 179% of the annual fee.
- You'll actually use Aeroplan Global +1 benefit (Spend Tier).
- You'll actually use Free first checked bag.
- 3× on purchases made with Air Canada directly matches your spend.
- You won't use Aeroplan Global +1 benefit (Spend Tier).
Welcome offer
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
- Minimum spend
- $20,000
- Within
- 12 mo
Earning rates
- All other purchases1×pts
- Top earnPurchases made with Air Canada directly3×pts
- Top earnGrocery stores; dining at restaurants including takeout and eligible delivery services3×pts
On-card benefits & credits
- Aeroplan Global +1 benefit (Spend Tier)$500/Annual
After $1,000,000 in calendar-year purchases, the Global +1 benefit refunds the companion’s base fare in points after completed eligible reward travel. Unlocks after $1,000,000 calendar-year spend on the card.
- Free first checked bag$140/Annual
Primary cardmember and up to eight companions on the same reservation each receive a free first checked bag up to 50 lb when checking in for an eligible Air Canada-operated flight.
- Global Entry, TSA PreCheck or NEXUS fee credit$120/One-time
Receive one statement credit of up to $120 every four years after charging an eligible Global Entry, TSA PreCheck or NEXUS application fee to the card.
- Aeroplan Priority Reward voucher (Spend Tier)$0/Annual
Receive an Aeroplan Priority Reward voucher after $100,000 in qualifying calendar-year purchases; it gives one passenger 50% off the points portion of an eligible flight reward’s base fare. Unlocks after $100,000 calendar-year spend on the card.
- Aeroplan Priority Reward voucher — $250,000 tier (Spend Tier)$0/Annual
Receive another Aeroplan Priority Reward voucher after $250,000 in qualifying calendar-year purchases; it gives one passenger 50% off an eligible reward’s base fare in points. Unlocks after $250,000 calendar-year spend on the card.
- Every Air Canada seat available with points$0/Annual
Any Air Canada seat available for a cash purchase is also available to book with Aeroplan points, subject to the program’s redemption terms.
- Aeroplan 25K status for new cardmembers$0/One-time
New primary cardmembers receive Aeroplan 25K status for the account-opening calendar year and the following calendar year, subject to linking the card account and eligibility restrictions.
- 10,000 Status Qualifying Credits (Spend Tier)$0/Annual
Receive 10,000 SQC after $25,000 in qualifying calendar-year purchases. Unlocks after $25,000 calendar-year spend on the card.
- 5,000 annual Status Qualifying Credits$0/Annual
Primary cardmembers receive 5,000 Status Qualifying Credits each calendar year. SQC count only toward Aeroplan elite-status qualification and are not redeemable rewards.
- 10% Ultimate Rewards transfer bonus$0/Annual
Primary cardmembers who also hold an eligible Ultimate Rewards card receive a 10% Aeroplan bonus after transferring at least 50,000 Ultimate Rewards points in one transaction, capped at 25,000 bonus points per calendar year.
- Fourth night free on Aeroplan hotel redemptions$0/Annual
Through December 31, 2026 unless extended, eligible four-night-or-longer participating-hotel stays booked entirely with Aeroplan points receive every fourth night for no additional points.
- Trip Delay Insurance$0/As needed
Covers unreimbursed expenses such as meals and lodging when common-carrier travel is delayed more than 12 hours or requires an overnight stay, up to $500 per covered traveler.
- Roadside Assistance$0/As needed
Provides roadside dispatch assistance, but the service fees are charged to the card at dispatch.
- Purchase Protection$0/As needed
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $500 per item; New York residents have a 90-day coverage period.
- Baggage Delay Insurance$0/As needed
Reimburses essential purchases such as toiletries and clothing when checked baggage is delayed more than six hours, up to $100 per day for three days.
- Preferred Air Canada award pricing$0/Annual
Primary cardmembers often need fewer Aeroplan points for Air Canada flight rewards than members without an Aeroplan co-branded card; the benefit does not apply to other airlines.
- Trip Cancellation and Interruption Insurance$0/As needed
Reimburses prepaid, nonrefundable passenger fares when a covered trip is canceled or interrupted by sickness, severe weather or another covered situation, up to $1,500 per traveler and $6,000 per trip.
- Auto Rental Collision Damage Waiver$0/As needed
Provides secondary U.S. reimbursement for theft and collision damage to most rental vehicles when the full rental is charged to the card and the rental company’s collision insurance is declined.
- Additional 10,000 Status Qualifying Credits (Spend Tier)$0/Annual
Receive an additional 10,000 SQC after $50,000 in qualifying calendar-year purchases. Unlocks after $50,000 calendar-year spend on the card.
- No Foreign Transaction Fees$0/As needed
The card does not charge foreign transaction fees on purchases made outside the United States.
- Maintain Aeroplan 25K status (Spend Tier)$0/Annual
Earn Aeroplan 25K status through the following calendar year after at least $15,000 in qualifying calendar-year card purchases. Unlocks after $15,000 calendar-year spend on the card.
- Concierge Service$0/As needed
World Mastercard Concierge offers assistance with reservations, tickets, hard-to-find items, gifts and business arrangements; the cardmember pays for purchased goods and services.
- Aeroplan 35K status (Spend Tier)$0/Annual
Primary cardmembers earn Aeroplan 35K status for the rest of the qualifying year and the next calendar year after $75,000 in qualifying purchases. Unlocks after $75,000 calendar-year spend on the card.
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