Aeroplan® Credit Card vs Atmos Rewards Summit
Side-by-side comparison
| Aeroplan® Credit Card | Atmos Rewards Summit | |
|---|---|---|
| Annual fee | $95 | $395 |
| Welcome offer | 75,000 points | 100,000 bonus points + 25,000-point Global Companion Award (limited-time) |
| Dining | 3x | 3x |
| Groceries | 3x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $508 | $352 |
| Points type | Locked to Air Canada Aeroplan | Locked to Atmos Rewards |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Aeroplan® Credit Card earns about $508 a year in rewards and the Atmos Rewards Summit about $352, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The Atmos Rewards Summit charges $395, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Aeroplan® Credit Card delivers more total value, about $456 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Atmos Rewards Summit currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Aeroplan® Credit Card if your spending leans toward groceries, travel.