Aeroplan® Card
A strong everyday earner for Air Canada flyers. You get 3x Aeroplan points on grocery stores, dining and Air Canada purchases, free first checked bags on Air Canada itineraries, and Aeroplan 25K status through your first full calendar year. The annual fee is $95. Status renewal after that requires $15,000 in yearly card spend.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 60,000-point welcome offer with a $3,000 spend in 3 months
- 3x points on groceries, dining and Air Canada purchases
- Free first checked bag for you and up to 8 companions on the same reservation
- Aeroplan 25K Status into your second calendar year, kept with $15,000 annual spend
- Preferred pricing on Aeroplan flight rewards for the primary cardmember
- Up to $120 credit for Global Entry, TSA PreCheck or NEXUS every 4 years
- Trip cancellation, trip delay, baggage delay and rental car coverage
- Annual fee: $95
- Purchase APR: 19.74% - 28.24% Variable
- Intro APR: N/A
- Balance transfer APR: 19.74% - 28.24% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $10 or 5% of each transaction, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You fly Air Canada across the border or connect through Toronto or Montreal
- Your grocery and dining spend is high, so 3x categories do the earning
- You value checked bags and elite treatment without flying 25,000 miles first
- You want a backdoor to Star Alliance awards priced in Aeroplan points
- You should skip it if you never fly Air Canada or its Star Alliance partners; the perks go unused
Aeroplan® Card Review
The Aeroplan® Card brings Air Canada's loyalty program to a U.S. issuer with unusually broad 3x earning. This review looks at the earning engine, the automatic 25K status, and where the $95 fee pays for itself.
How You Earn
The 3x categories cover groceries, restaurants and Air Canada itself, which makes this one of the stronger airline earners on daily spending.
- 500 bonus points per $2,000 spent each month, capped at 1,500 points
- 60,000-point welcome offer after $3,000 in 3 months
| Category | Earn rate |
|---|---|
| Grocery stores | 3x points |
| Dining, takeout and eligible delivery | 3x points |
| Purchases made directly with Air Canada | 3x points |
| All other purchases | 1x points |
How You Redeem
Points redeem through Aeroplan for Air Canada and Star Alliance award flights, and cardmembers get preferred pricing on many awards.
- Air Canada and Star Alliance partner award flights
- Pay Yourself Back statement credits against travel, dining, grocery and gas purchases posted in the last 90 days
- Preferred award pricing for the primary cardmember
Benefits and Protections
The airline perks arrive automatically, and the insurance package is unusually complete for a $95 card.
- Free first checked bag for you and up to 8 companions when travel starts on an Air Canada flight
- Aeroplan 25K Status for the opening year and the following calendar year, kept with $15,000 annual spend
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- Trip cancellation and interruption up to $1,500 per traveler and $6,000 per trip
- Trip delay reimbursement up to $500 per traveler
- Baggage delay insurance up to $100 a day for 3 days
- Auto rental collision damage coverage
- One-year complimentary DashPass membership
Who This Card Is For
This card suits flyers who touch the Air Canada network a few times a year and families whose grocery and restaurant budgets are large. The status and bag perks reward loyalty without demanding it.
- Cross-border and Star Alliance travelers
- High grocery and dining spenders
- Aeroplan members consolidating earning in the U.S.
Comparison
| Feature | Aeroplan® Card | Delta SkyMiles® Gold American Express Card | Citi® / AAdvantage® Platinum Select® |
|---|---|---|---|
| Annual Fee | $95 | $0 intro first year, then $150 | $0 intro first year, then $99 |
| Welcome Offer | 60,000 points ($3,000 in 3 mo) | As high as 80,000 miles plus $250 credit | 50,000 miles ($2,500 in 3 mo) |
| Rewards Rate | 3x groceries, dining, Air Canada | 2x Delta, dining, U.S. supermarkets | 2x AA, restaurants, gas stations |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Air Canada and Star Alliance flyers | Delta flyers | American Airlines flyers |
Issuer Comparison
| Feature | Aeroplan® Card | United℠ Explorer Card | Chase Sapphire Preferred® Card |
|---|---|---|---|
| Annual Fee | $95 | $0 intro first year, then $150 | $95 |
| Welcome Offer | 60,000 points ($3,000 in 3 mo) | Up to 60,000 miles (50,000 + 10,000) | 75,000 points ($5,000 in 3 mo) |
| Rewards Rate | 3x groceries, dining, Air Canada | 9x total United flights, 2x hotels, dining | 5x Chase Travel, 3x dining, 2x travel |
| Key Credits | $120 Global Entry, free bag, 25K status | $100 United credit at $10,000 spend, club passes | $100 Chase Travel hotel credit |
| Best For | Air Canada flyers | United flyers | Flexible points collectors |
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