Aeroplan® Credit Card vs Bilt Palladium
Side-by-side comparison
| Aeroplan® Credit Card | Bilt Palladium | |
|---|---|---|
| Annual fee | $95 | $495 |
| Welcome offer | 75,000 points | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 2x |
| Travel | 3x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $508 | $583 |
| Points type | Locked to Air Canada Aeroplan | Transfers to airlines & hotels |
| Network | Mastercard | Mastercard |
*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 Bilt Palladium about $583, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The Bilt Palladium charges $495, but carries about $600 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Aeroplan® Credit Card delivers more total value, about $24 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the Aeroplan® Credit Card stays locked to a single airline or hotel program. Favor the Bilt Palladium if you will use travel transfers, the Aeroplan® Credit Card if you want simplicity. On the sign-up bonus, the two are currently comparable in size. 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 dining, groceries, travel. Pick the Bilt Palladium if your spending leans toward gas, streaming, everything else.