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There’s been a lot to unpack with the new Aeroplan program. With big changes to both earning and redeeming miles, there’s been lots to sift through and think about.

And the fun doesn’t end with Aeroplan credit cards. The branded credit cards associated with the program are also getting some changes as well (none of this will apply to credit cards that allow transfers to Aeroplan).

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Here’s what’s in store for cards issued by Amex and TD.

New benefits for all Aeroplan credit cards

All Aeroplan credit cards will be receiving the same set of benefits when travelling with Air Canada. Whatever the current cards offer in Air Canada benefits will be going away, and are being replaced.

All of these changes will take effect on November 8. If you already have an Aeroplan credit card, there’s nothing you have to do, they will kick in automatically.

There are 3 tiers that a card can fall into. Note that there’s both a personal and business credit card benefits chart, but we’ll be focusing on the personal chart here.

Air Canada Aeroplan personal credit card benefits

You can read the full details on every perk here, but we’ll go over the bigger ones now.

Preferred pricing

Anytime you book a flight using your Aeroplan points, you’ll receive preferred pricing. You’ll need fewer points to book your rewards flight, just by having an Aeroplan credit card.

How many points can you save? There are no details on that yet. After the new program launches, we’ll be doing a deep dive on the value of the new Aeroplan program, and we’ll get an idea of how much you could save.

The best part? This perk is available on all tiers.

Benefits available to supplemental cardholders

Have some secondary cardholders on an account? The benefits are extended to them as well. Amex has an interesting twist to this as you’ll see farther below.

Free first checked bag

Right now if you have an Aeroplan credit card that has free checked bags, it’s limited in some way. For the high end premium Visa Infinite Privilege and Amex Platinum cards, you have a set number of free bags per year, and those are only available to the primary cardholder.

For Aeroplan Visa Infinite cards, you only get the first checked bag free for the cardholder, and only on Aeroplan flight rewards. Less than stellar.

But now? You’ll get the first checked bag free on every Air Canada flight! And, up to 8 companions travelling on the same reservation also get a free checked bag. A big step up in savings when you travel with Air Canada.

Related: How to Get FREE Checked Bags When Flying

Elite status qualification boost

For the frequent flyer who gets elite status every year, having an Aeroplan credit card can help earn qualifying miles and segments.

Cards in the silver tier will earn 1,000 bonus Qualifying Miles and 1 Status Segment when you spend $10,000. If you’re in the black tier, you only need to spend $5,000 to get the same miles and segments.

Priority airport benefits

For those with cards in the black tier, a host of priority airport benefits are coming your way, and not just for the cardholder, but for 8 others travelling on the same reservation as well.

You’ll get:

  • priority check-in,
  • priority boarding,
  • Maple Leaf lounge access (primary cardholder only), and
  • priority baggage handling.

This is one area where some Aeroplan cardholders may see a drop in benefits. If you have an Aeroplan Visa Infinite card, you already get the first 3 when travelling on an Aeroplan rewards flight.

Annual worldwide companion pass

The last major benefit we’ll cover is the annual worldwide companion pass. Spend $25,000 annually on a black tier card, and you’ll get one companion voucher per year.

For $99, plus taxes, fees, and carrier surcharges, you can take another person with you on the exact same itinerary. And, there’s no limit to where you can use it. If Air Canada flies there, you can use your companion voucher to go there.

This alone can lead to some big savings, but only IF you’re able to spend the full $25,000 annually on the card.

Related: How To Get Free Flights Using A Companion Voucher

TD Aeroplan credit card changes

There are more changes on the horizon than just the new benefits coming to existing Aeroplan credit cards. Other changes are coming as well, including annual fees, earn rates, and insurance coverage.

Here’s what’s changing on existing Aeroplan cards, and where they fit into the benefits tier structure.

First, we’ll start with TD, Aeroplan’s largest partner.

TD Aeroplan Visa Infinite

The is one of the more popular Aeroplan credit cards out there. It will slide into the middle tier.

The annual fee is unfortunately going to be increased. It will be going to $139, from the current $120.

There’s also a slight change to earn rates as well. Currently, this card earns:

  • 1.5 points per $1 spent on Air Canada, gas, drugstores, and groceries, and
  • 1 point per $1 spent on all other purchases.

The only change here is to drugstore purchases, which will be decreasing to 1 point per $1 spent.

There are a few other changes coming as well:

  • up to $100 rebate on a NEXUS application fee,
  • new insurance coverage, including mobile device and hotel burglary,
  • increases in coverage amounts to a few existing coverages.

TD Aeroplan Visa Infinite Privilege

TD’s high end Aeroplan offering, the TD Aeroplan Visa Infinite Privilege, will slide into the upper tier.

The card is going to see a big increase in annual fee, from $399 to $599.

The earn rates are also changing dramatically. Currently, this card offers:

  • 1.5 points per $1 spent on Air Canada, gas, drugstores, and groceries, and
  • 1.25 points per $1 spent on all other purchases.

After the change?

  • 2 points per $1 spent on Air Canada purchases,
  • 1.5 points per $1 spent on gas, groceries, travel, and dining, and
  • 1.25 points per $1 spent on all other purchases.

The changes this card will be seeing are:

  • up to $100 rebate on a NEXUS application fee,
  • new insurance coverage, including mobile device and hotel burglary, and
  • increases in coverage amounts to a few existing coverages.

TD Aeroplan Visa Platinum

Finally, we have TD’s entry level Aeroplan card, the TD Aeroplan Visa Platinum, which will slot into the lower tier.

This one is not seeing a change in annual fee – it will be staying at $89.

The earn rates aren’t changing much either. Currently the card offers:

  • 1 point per $1 spent on gas, groceries, and drugstores, and
  • 1 point per $1.50 spent on all other purchases.

Drugstore earnings are the only change, which will be going down to 1 point per $1.50.

There are a few changes to insurance coverages coming as well

  • new insurance coverage, including mobile device and hotel burglary, and
  • increased coverage on a few existing coverages.

American Express Aeroplan credit cards

Finally, we have American Express. Amex won’t have an entry level credit card, just cards that are in the top 2 tiers.

And, Amex has already decommissioned their existing AeroplanPlus credit cards, so they can’t be applied for at this time. These cards are getting new names, and brand new earn rates as well.

Amex AeroplanPlus Gold card

Joining the mid tier, the current AeroplanPlus Gold card will be renamed the American Express Aeroplan card.

It’s not seeing any annual fee changes, and will have a new earnings structure, away from earning 1 mile per $1 spent on the first $10,000 (1.25 miles after that), and will now earn:

  • 2 points per $1 spent on Air Canada purchases,
  • 1.5 points per $1 spent on dining and food delivery, and
  • 1 point per $1 spent everywhere else.

There’s one other twist to this card for supplemental cards. You can pay $50 for an additional card, and the authorized user will gain access to the full benefits.

Or, you can pay no fee, and simply accumulate points faster. The choice is yours.

Other than earn rates, and the standard new Air Canada benefits, there’s no other changes in store with this card.

Amex AeroplanPlus Platinum card

The other card that recently was decommissioned will be known as the American Express Aeroplan Reserve card.

It’s going to have a brand new earning structure, which previously was 1.25 points per $1 spent on the fist $25,000, which increased to 1.5 points thereafter.

Here’s what this card will now earn:

  • 3 points per $1 spent on Air Canada purchases,
  • 2 points per $1 spent on dining and food delivery, and
  • 1 point per $1 on all other purchases.

Like the card above, you can also choose how much you want to pay for supplemental cards. $199 gets the authorized user access to the Air Canada benefits, or pay no fee and simply accumulate extra points.

The annual fee is increasing on this card, from $499 to $599.

Which Aeroplan card will you get?

There’s the overview of the new Aeroplan credit cards and what’s changing.

Which card will you go with? Or will you pass on Aeroplan credit cards for the time being?

Let us know in the comments below.