Aeroplan Credit Card – How to apply

By Raquel Oliveira • 04/07/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

The Aeroplan Credit Card is an outstanding choice for travelers who want to maximize the value of every purchase. Designed specifically for frequent flyers, it delivers impressive rewards, making it easier to turn everyday spending into unforgettable travel experiences.

New cardholders can earn up to 70,000 welcome bonus points, providing a fast track toward flights, upgrades, hotel stays, and more. This generous bonus makes the Aeroplan Credit Card highly attractive for those ready to start redeeming rewards without delay.

Aeroplan also offers five different credit card options, each carefully designed to accommodate varying spending habits, budgets, and travel goals. Whether you are a loyal Air Canada passenger or prefer broader redemption flexibility.

If you’re looking for a travel rewards card that combines high-earning potential, flexible redemption options, and premium travel perks, the Aeroplan Credit Card is an excellent companion for enhancing your journeys and elevating your financial rewards.

How does the Aeroplan Credit Card work?

The Aeroplan Credit Card helps you earn Aeroplan points every time you make a purchase. You get more points for certain types of spending, like gas, groceries, and purchases made directly through Air Canada. 

These points can be used for rewards like flights, car rentals, and hotel stays. You can even pool your points with family members to reach rewards faster.

The card also works with the Aeroplan program, so you can earn extra points by shopping with partner brands or through the Aeroplan eStore. 

Points are added to your Aeroplan account, where you can track them and redeem them for various rewards. Simply put, the card is a way to earn travel rewards from your everyday purchases.

Earn More with Aeroplan Partner Purchases

One of the biggest advantages of the Aeroplan Credit Card is its extensive network of partner merchants. Cardholders can earn bonus points not only on Air Canada flights but also on everyday purchases at participating hotels, car rental agencies, and dining establishments.

Shopping at Aeroplan’s partner retailers allows users to accumulate points even faster, making it easier to redeem rewards for flights, upgrades, or hotel stays.

Additionally, special promotions and limited-time offers help maximize earning potential, ensuring that every dollar spent contributes toward valuable travel experiences. This feature makes the Aeroplan program more versatile than traditional airline cards.

Main benefits for the Aeroplan Credit Card

• Up to 70,000 welcome bonus points – Jumpstart your rewards.
• Earn points on every purchase – More rewards on travel and Air Canada purchases.
• Redeem for flights, upgrades, hotels, and more – Flexible redemption options.
• Multiple card options – Choose the best card for your travel needs.
• Exclusive travel perks – Lounge access, priority boarding, and free checked bags.

Cons for the Aeroplan Credit Card

Despite the many perks, the Aeroplan Credit Card has some downsides. One of the main drawbacks is the annual fee of $139 after the first year, which can be a lot if you don’t use the card often. 

The card also has high interest rates: 20.99% on purchases and 22.99% on cash advances, which means you’ll pay a lot in interest if you carry a balance. To earn bonuses, you have to meet certain spending requirements, which may not be easy for everyone. 

Also, while you can redeem points for flights, there can be restrictions, and blackout dates may apply, so flexibility is limited. For those who don’t fly often with Air Canada, some benefits, like free checked bags, might not be as useful.

APR and Fees

The Aeroplan Credit Card has several fees and interest rates that you should consider. The card has an annual fee of $139, which is waived for the first year. After that, you’ll pay the full fee unless you have a TD All-Inclusive Banking Plan, which offers a rebate. 

The card also charges a 20.99% interest rate on purchases and 22.99% on cash advances. This means if you don’t pay off your balance, you’ll end up paying a lot in interest. Adding an additional cardholder will cost $75. 

While the rewards might make the card worth it for frequent travelers, the fees and high interest rates could be a downside if you don’t plan to pay your balance in full each month.

How to apply for the Aeroplan Credit Card

Applying for the Aeroplan Credit Card is simple. Just visit the TD website and fill out the online application. You’ll need to provide basic personal information, like your name, address, and contact details. 

You’ll also need to meet an income requirement—$60,000 per year for personal income or $100,000 for household income. If you don’t meet the requirements, you may be eligible for the TD Aeroplan Visa Platinum Card instead. 

Once you submit your application, TD will review it, and if approved, you’ll get your card. To start earning rewards, make your first purchase within 3 months, and enjoy the benefits right away.

Applying for the card is quick and easy, and once approved, you’ll be on your way to earning Aeroplan points and enjoying travel benefits.

Is the Aeroplan Right for You?

The Aeroplan Credit Card is best suited for frequent travelers who want premium perks and a strong rewards program.

• Perfect for: Individuals who regularly fly Air Canada and want to maximize travel rewards.
• Not ideal for: Those who rarely travel or prefer cashback over points.

If you want a high-value travel card that helps you earn and redeem points easily, the Aeroplan Credit Card is an excellent choice.