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Freedom251 › Blog › Aeroplan

How Aeroplan Credit Card Rewards Work: Earning, Redemptions and Restrictions

By Freedom251 Team · · 5 min read

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Aeroplan credit-card rewards depend on both your card’s issuer terms and Aeroplan’s program rules. Your card tier and eligible purchase categories determine how quickly you earn points; flight rewards have variable pricing and itinerary restrictions. Some eligible TD and CIBC Visa cardholders may also receive offers to redeem points for statement credits on qualifying purchases, but that is a separate, opt-in program—not a universal way to pay with Aeroplan points.

How do you earn Aeroplan points with a credit card?

You earn points on eligible purchases according to the rates and conditions for your specific card. The rates differ among card tiers, and a purchase must qualify under the card’s terms to receive any category bonus. The figures below are examples from official product pages accessed in 2026, not rates that apply to every Aeroplan card.

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TD Aeroplan Visa Platinum example

TD’s Aeroplan Visa Platinum page lists 1 Aeroplan point per eligible C$1 spent directly with Air Canada, including Air Canada Vacations, and on gas, electric-vehicle charging and grocery purchases. It lists 1 point per C$1.50 on other eligible purchases. TD’s Platinum terms also set an annual C$80,000 limit on bonus-category purchases; qualifying purchases above that limit earn at the standard rate. Check the current TD Aeroplan card terms before relying on those rates or limits.

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Categories depend on how a purchase is coded

For the TD Platinum example, category eligibility is based on Visa merchant-category codes under the card terms. A store’s everyday description does not guarantee that its transaction will code as grocery, gas or another bonus category. The same principle makes it important to check each card’s specific terms rather than infer eligibility from the product or service a merchant sells.

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Other card tiers and partner purchases

TD’s page shows different rates for higher-tier cards; its Visa Infinite Privilege example, for instance, lists 2 points per eligible dollar on Air Canada purchases and 1.5 points in several other eligible categories. CIBC also offers multiple personal-card tiers, but rates and conditions must be checked on the page for the exact product. Review CIBC’s current Aeroplan card offerings and the applicable issuer disclosure.

TD says cardholders can earn through participating Aeroplan partner brands and the Aeroplan eStore as well as through card spending, when they meet the relevant conditions and provide their Aeroplan number. Partner earnings and the card’s purchase earnings are separate mechanisms; do not assume a particular combined amount without checking both sets of terms.

Can you use Aeroplan points to pay for purchases?

Some members who are primary cardholders of participating Visa cards can register for the Aeroplan Credit Card Everyday Redemption Program. It is distinct from booking a flight reward and does not apply to every Aeroplan card or every purchase. The program page lists eligible TD and CIBC Visa products and says the list can change. Check the current eligibility list and program terms.

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How the purchase-offer process works

  1. Confirm that your Visa card is eligible, your account is open, active and in good standing, then register and link the card account as directed by the program.
  2. Choose the available purchase categories. Aeroplan may send an offer for a qualifying purchase between C$25 and C$250; offer value, frequency and category are at Aeroplan’s discretion.
  3. Accept the offer within 24 hours of the SMS notification if you want to redeem. An accepted points redemption is final and cannot be reversed.
  4. Keep the card account linked. The statement credit is in Canadian dollars and may take up to 30 days to post. The issuing financial institution determines whether the purchase also earns card points.

This is an offer-based redemption, not a guaranteed credit for every eligible purchase. Aeroplan specifies an offer tied to a particular purchase, so check its amount, timing and terms before accepting.

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How do Aeroplan flight rewards work?

Flight reward points are not a fixed cash equivalent. Aeroplan says the points needed depend on the itinerary, origin, destination and fare option selected. In its Flight Reward Policy, Air Canada states: “The number of Aeroplan points required to book a Flight Reward depends on numerous factors including the itinerary, origin, destination and fare option selected.” Taxes and other charges may also apply.

Itinerary rules and booking fees

  • A reservation may include up to six flight segments in each direction, with up to 12 segments on one reservation.
  • One stopover per direction may be allowed for up to 45 days. It requires additional points and cannot be within Canada, the United States or China.
  • A partner-operated flight reward may carry a C$39 CAD partner booking fee per ticket.
  • The policy describes online reservations as free. A reservation through the Aeroplan Contact Centre carries a non-refundable C$30 CAD fee.
  • Every flight reward reservation is subject to Aeroplan and the operating airline’s approval.

Check time-limited flight reward offers carefully

As of the Air Canada offer page accessed October 3, 2026, FLY15OFF provides a 15% reduction in the base-fare points for eligible Air Canada flight rewards for Canadian cardholders. The stated booking window is September 10, 2026 through January 11, 2027, for travel through December 31, 2027, local time. The reduction does not apply to taxes, fees, surcharges or other charges. Eligibility depends on the itinerary including qualifying Air Canada-operated travel; verify the card, route, booking channel, login and current terms when booking. See Air Canada’s cardholder benefits and offer terms.

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Do Aeroplan points expire if you have a credit card?

The official card and program information described here does not establish that simply holding an Aeroplan credit card prevents points from expiring. Do not rely on card ownership alone as protection: check Aeroplan’s current account and points-expiry rules, along with your card terms, before assuming your balance is safe.

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What should you compare before choosing an Aeroplan card?

Compare the exact card’s current issuer terms against the way you spend and redeem. A higher earn rate in a category matters only if your purchases qualify, and the points’ usefulness depends on the redemption you can actually make.

  • Earn rates: Look at rates for eligible category spending and for general purchases.
  • Category eligibility and caps: Check merchant coding rules, annual bonus-category limits and what happens when a limit is reached.
  • Costs and eligibility: Confirm the annual fee, additional-card fees and issuer application requirements in current disclosures.
  • Redemption fit: Decide whether you expect to use flight rewards, eligible-purchase statement credits or another option. No universal Aeroplan point cash value is established here; avoid treating an illustrative valuation as guaranteed.
  • Operational restrictions: Consider partner booking fees, itinerary rules, offer windows and any requirement to keep an account linked and in good standing.

Rates, fees, eligibility, promotions and reward rules can change. Verify the current product disclosure and Aeroplan terms before applying, booking or accepting a redemption offer.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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