Capital One Savor vs Aeroplan Credit Card: Which Is Better In 2026?

Aeroplan® Credit Card Breakdown

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Why We Like It

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Here’s a closer look at why we’re fans of the Aeroplan® Credit Card.

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• The card offers a strong suite of travel benefits, particularly for those who frequently fly with Air Canada.
• It allows cardholders to earn valuable points on a wide range of purchases, which can be redeemed for flights across a global airline network.
• Unique perks like credits for trusted traveler programs and the elimination of foreign transaction fees make international journeys more seamless.

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Pros

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• Cardholders receive automatic Aeroplan Elite Status for the first year, unlocking perks like priority airport services and a free first checked bag on Air Canada flights for themselves and several companions.
• Points are highly flexible, with the ability to transfer them from other major rewards programs and redeem them for flights across the vast Star Alliance airline network.
• It’s built for travel, offering no foreign transaction fees and a statement credit to cover the application for a trusted traveler program.

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Cons

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• The card has an annual fee that isn’t waived in the first year.
• Reward earnings are lower on travel purchases made outside of the Air Canada network.
• Points deliver the best value when redeemed for flights with Air Canada and its partners, limiting redemption flexibility.

Aeroplan® Credit Card vs Capital One Savor Cash Rewards

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Categories

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Deciding which is better, the Capital One Savor or Aeroplan Credit Card, depends entirely on your spending habits and what you want to get back from your card.

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• Capital One Savor Cash Rewards Credit Card is designed for those who spend frequently on dining, entertainment, and at grocery stores, making it a great fit for food enthusiasts and entertainment seekers.
• Aeroplan® Credit Card is ideal for travelers, especially frequent Air Canada flyers, who want to earn rewards on travel purchases in addition to dining and groceries.

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Redemption

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Capital One Savor Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed as a statement credit or a check, offering straightforward value on your spending.

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Aeroplan® Credit Card: Points are earned in the Aeroplan loyalty program and can be redeemed for flights with Air Canada and its partner airlines, as well as for other travel-related rewards.

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Compare Top Rated Credit Cards with Kudos

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To make the choice easier, a tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your spending habits.

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• Test drive credit cards: Simulate your potential earnings with a new card using your actual spending data before you commit to applying.
• Approval odds analysis: Get a detailed breakdown of your likelihood of being approved for a card based on your credit report.
• Welcome offer guarantee: If you find a better public welcome offer within three months of being approved, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in rewards when you add certain approved cards to your Kudos Wallet.
• Personalized recommendations: Discover new cards that are matched to your unique spending patterns.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards card is an ideal fit for foodies and entertainment lovers who frequently dine out or attend events like concerts and movies. It also appeals to active families with significant spending at grocery stores and urban professionals who travel abroad, thanks to its lack of foreign transaction fees. Ultimately, this card is best for anyone who wants to earn unlimited, straightforward cash back on their social and daily expenses without paying an annual fee.

Who Should Choose the Aeroplan® Credit Card?

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The Aeroplan® Credit Card is tailor-made for frequent flyers of Air Canada and its Star Alliance partners, especially those who often travel to, from, or within Canada. It's also a strong contender for points enthusiasts who love to strategize for maximum value and travelers aspiring to fast-track their way to elite airline status. Ultimately, if you can take full advantage of perks like a free first checked bag and automatic Aeroplan 25K Status, this card offers significant value for your travel style.

Alternatives to Consider

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If our Capital One Savor vs Aeroplan Credit Card comparison has left you feeling like neither card is the perfect match for your wallet, don't worry. There are plenty of other excellent rewards cards on the market that might be a better fit for your spending habits.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most rewards cards require good to excellent credit for approval.
• Plan your spending - Make sure you can meet the minimum spend for the welcome offer without overspending.
• Review the card’s benefits - Understand how the rewards and perks align with your spending habits.

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Application Strategy

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• Know your whole credit profile - Some issuers, like Capital One, look beyond just your score when reviewing applications.
• Consider co-branded card ecosystems - Cards tied to a specific brand, like the Aeroplan® Credit Card, offer unique perks for loyal customers.
• Don't settle for a lesser offer - Welcome offers can vary, so it pays to ensure you're applying for the best one available.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for dining and entertainment?

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The Capital One Savor card is specifically designed to maximize rewards on dining, entertainment, and popular streaming services, often making it the stronger choice for these spending categories.

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Can I use Aeroplan points on airlines other than Air Canada?

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Yes, the Aeroplan program is part of the Star Alliance network, which allows you to redeem points for flights with numerous partner airlines around the world.

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Do rewards from the Capital One Savor card expire?

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Cash back rewards earned with the Capital One Savor card will not expire for the life of the account, though you can lose them if your account is closed.

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