Aeroplan® Credit Card vs Southwest Rapid Rewards® Plus
Side-by-side comparison
| Aeroplan® Credit Card | Southwest Rapid Rewards® Plus | |
|---|---|---|
| Annual fee | $95 | $99 |
| Welcome offer | 75,000 points | |
| Dining | 3x | 1x |
| Groceries | 3x | 2x |
| Gas | 1x | 2x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $508 | $373 |
| Points type | Locked to Air Canada Aeroplan | Locked to Southwest Rapid 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 Southwest Rapid Rewards® Plus about $373, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The Southwest Rapid Rewards® Plus charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Aeroplan® Credit Card delivers more total value, about $138 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. 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 two are currently comparable in size. Note that Southwest Rapid Rewards® Plus is running a limited-time offer above the usual amount, so that edge may not last. 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 Southwest Rapid Rewards® Plus if your spending leans toward gas.