Aeroplan® Credit Card vs Delta SkyMiles® Gold
Side-by-side comparison
| Aeroplan® Credit Card | Delta SkyMiles® Gold | |
|---|---|---|
| Annual fee | $95 | $150 |
| Welcome offer | 75,000 points | |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $508 | $382 |
| Points type | Locked to Air Canada Aeroplan | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*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 Delta SkyMiles® Gold about $382, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The Delta SkyMiles® Gold charges $150, but carries about $200 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 $81 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 Delta SkyMiles® Gold 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 dining, groceries, travel.