Aeroplan Credit Card – How to apply

By Raquel Oliveira • 03/18/2025

Aeroplan Credit Card is perfect for those who want many benefits and enjoy all related advantages.

The credit card Aeroplan is a credit card for frequent travelers who want to earn loyalty points on everyday purchases.

A robust rewards structure allows cardholders to earn Aeroplan points that can be redeemed for a variety of benefits, including flights, class upgrades, hotel stays and exclusive experiences.

As well as earning points, this card also offers a number of other advantages, including free checked baggage, access to the airport lounge and travel insurance.

However, like any other credit card, the Aeroplan Credit Card has costs, including: B. Annual Fees and Potential Finance Charges. Ideal for consumers who travel regularly and can maximize the benefits of the Aeroplan program.

How does the Aeroplan Credit Card credit card work? 

The Aeroplan credit card credit card works like a traditional credit card, but with a focus on travel-related benefits. You accumulate points with every purchase and automatically transfer these points to your Aeroplan account. 

Accumulation rates vary according to the category of expenditure. For example, you’ll earn more points per dollar spent on purchases at partner airlines and restaurants, while other spending will earn points on the base price. 

In addition to earning points, this card also allows you to receive limited benefits. For example, cardholders can enjoy priority boarding on selected flights, waived checked baggage fees, access to airport VIP lounges and much more. 

Many of these benefits are linked to our partner airline loyalty programs, reinforcing the value proposition for repeat customers. To begin with, Aeroplan credit cards usually offer generous welcome bonuses that you can earn if you reach a minimum spend.

How to Maximize Your Aeroplan Points

To get the most out of the Aeroplan Credit Card, cardholders should strategically plan their spending.

Booking flights directly through Air Canada and using the card for travel-related expenses like hotels and rental cars will earn higher rewards per dollar spent. Additionally, leveraging bonus point promotions and partner spending offers helps boost the earning rate.

For frequent travelers, using Aeroplan’s flexible redemption options—such as booking during off-peak times—maximizes the value of each point.

With the right strategy, cardholders can accumulate points quickly and unlock premium travel benefits without extra spending.

Main Benefits of the Aeroplan

• Exclusive travel perks – Lounge access, priority boarding, and free checked bags.
• 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 with Aeroplan

• Priority boarding and check-in – Enjoy a hassle-free airport experience.
• Free checked baggage – Save on airline fees.
• Airport lounge access – Relax in exclusive lounges worldwide.
• No blackout dates for point redemption – Redeem points without restrictions.
• Travel insurance benefits – Coverage for trip cancellations, delays, and lost luggage.

These perks make the Aeroplan Credit Card a strong option for frequent flyers.

Cons of Aeroplan Credit Card

• High annual fee: One of the main disadvantages is the annual cost of the card, which varies depending on the version you choose. This fee can be a financial burden for non-reward users or infrequent travelers.
• Travel focus: Benefits and advantages are most valuable to those who travel regularly and use the Aeroplan program. Consumers looking for a wider variety of benefits may find better options with other cards.
• Complexity of redeeming points: some redemption options may require large amounts of points. In addition, they have the following limitations: Dates when award tickets are not available or flights with limited availability.

APR and fees

The annual percentage rate (APR) of the Aeroplan credit card varies depending on the cardholder’s credit profile.Overall, it is on a par with other premium rewards cards and offers competitive rates on purchases and balance transfers. 

However, it’s important to pay attention to the payment terms, as you could incur high interest rates if you don’t pay the remaining amount on time.Cards may have annual fees, as well as additional fees such as international transaction fees.

However, some versions waive this fee.In addition, there are fees for cash advances and late payments, which can significantly increase costs for those who don’t carefully manage their account balances.

Cardholders are encouraged to use the card primarily to earn rewards and avoid carrying monthly balances to maximize utility and minimize costs.

How to apply for the Aeroplan Credit Card

The application process for the Aeroplan credit card is easy and can be done online or in person.First, visit the official website of your card issuer and choose the version that best suits your needs.

Normally, you will need to fill in a form with information such as income, credit history and personal information. Once your application has been submitted, the issuer will review it, taking into account factors such as creditworthiness and ability to pay.

Many of these benefits are linked to our partner airline loyalty programs, reinforcing the value proposition for repeat customers.

These bonus points are enough for initial redemptions, such as domestic airline tickets and service upgrades.This card also comes with travel insurance and fraud protection, so you can feel safe while traveling. 

Conclusion

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.