Aeroplan® Credit Card Review
Overview
The Aeroplan card, tied to Air Canada's well-regarded loyalty program, is one of the stronger foreign-airline co-brands you can get in the US. Aeroplan is a flexible Star Alliance currency with a good award chart and no fuel surcharges on many partners, which makes the miles genuinely useful.
It even earns on everyday categories like dining and groceries, so it is more usable day-to-day than most single-airline cards, and it comes with real travel perks.
Think twice if: you have no interest in Star Alliance award travel, since the miles are still tied to Aeroplan.
Our 3.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn 3x on dining, groceries, and Air Canada purchases, in Aeroplan miles, plus travel perks like a free checked bag on Air Canada. Aeroplan is a strong, flexible program with a good chart across Star Alliance partners, so the miles are worth more than a typical co-brand currency, and the everyday categories make it usable.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 3x | Bonus category |
| Groceries | 3x | Bonus category |
| Travel | 3x | Bonus category |
| Everything else | 1x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- Aeroplan is a flexible, high-value Star Alliance currency
- 3x on dining, groceries, and Air Canada
- Free checked bag on Air Canada
- Strong 75,000-point welcome bonus
- Miles tied to Aeroplan
- $95 annual fee
- Most useful if you engage with award travel
The welcome bonus
The welcome bonus is strong: 75,000 points after $4,000 in three months, a healthy Aeroplan haul and the main reason to grab the card.
Is it worth the annual fee?
The $95 fee is reasonable given the everyday earning, the free checked bag on Air Canada, and how usable Aeroplan miles are across Star Alliance. For anyone interested in that award travel, the card can justify itself.
First-year value vs ongoing value
| Welcome bonus | 75,000 points |
| To earn it | $4,000 in 3 months |
| Est. first-year value* | $1,163 |
| Est. ongoing value / yr* | $413 |
The welcome bonus makes year one the high point: roughly $1,163 in value once you count the bonus, this card’s rewards, and its credits, minus the $95 fee. After that, the honest figure is about $413 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Complimentary Aeroplan 25K Status
- Free first checked bag on Air Canada
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you want a flexible Star Alliance currency, the Aeroplan card is one of the best foreign co-brands out there, good everyday earning, a free bag, and miles that redeem well across many partners.
If you have no interest in Star Alliance award travel, the miles are less useful to you. But for award travelers, this is a genuinely strong pick.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of August 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
