Aeroplan Credit Card – How to apply

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

The Aeroplan Credit Card is a great option for those who want to earn rewards on everyday purchases, especially for travelers. 

With the ability to earn Aeroplan points on everything from groceries to gas and Air Canada bookings, this card offers exciting benefits like free checked bags, travel insurance, and bonus points for meeting spending targets. 

Ready to start earning rewards? Keep reading to find out how the Aeroplan Credit Card works, its benefits, and how you can apply to get started today!

Credit Card
Aeroplan Credit Card
Easy cashback Easy application
Credit card perfect for those who want to enjoy all related advantages.
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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.

Main benefits for the Aeroplan Credit Card

The Aeroplan Credit Card offers several key benefits, particularly for those who travel frequently. 

One of the main draws is the ability to earn Aeroplan points with every purchase. You get 1.5 points for every dollar spent on eligible gas, grocery, and Air Canada purchases, and 1 point for every dollar spent on other purchases.

For new cardholders, there’s a welcome bonus of 10,000 Aeroplan points when you make your first purchase. If you spend $7,500 within the first 180 days, you’ll earn an additional 15,000 points, and a further 15,000 points when you spend $12,000 within the first 12 months.

The card also offers various travel perks. If you fly with Air Canada, you’ll enjoy benefits like free checked baggage for yourself and up to 8 travel companions on the same reservation. 

You’ll also get access to a NEXUS rebate once every 48 months, which can make traveling through customs and immigration easier. Plus, the card helps you earn Status Qualifying Miles, which bring you closer to reaching Aeroplan Elite Status.

Travel insurance is another key benefit. You get coverage for trip cancellations, trip interruptions, lost baggage, medical emergencies, and more. 

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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.

Credit Card
Aeroplan Credit Card
Easy cashback Easy application
Credit card perfect for those who want to enjoy all related advantages.
APPLY NOW You will be redirected