Quick recommendation
Frequent Air Canada flyers should hold the TD or CIBC Aeroplan Visa Infinite Privilege for Maple Leaf Lounge access. Multi-carrier travellers get more from the Amex Platinum's lounge and insurance stack.
Who should avoid premium travel cards
If you fly fewer than 4 times a year, the annual fees ($499-$799) will exceed the value you'll extract. Stick with a no-FX-fee card like the Scotia Passport.
Common mistakes
- Booking economy Air Canada flights with Aeroplan miles — usually worst value.
- Forgetting to activate Priority Pass before travel day.
- Assuming travel insurance auto-triggers — you often need to charge the full fare to the card.