How Do the Aeroplan Premium Credit score Card Rollover Advantages Work?

Two of the important thing options for Air Canada frequent flyers on the premium Aeroplan co-branded bank cards are the power to roll over unused Standing Qualifying Miles (SQM) and luxuriate in a 24-month validity interval for eUpgrades.

Rolling over unused SQM provides you a lift on qualifying for Aeroplan Elite Standing once more, and having 24 months to make use of eUpgrades provides you first dibs for flying in Air Canada enterprise class at a steep low cost.

On this article, we’ll go over how one can qualify for these advantages, how they work, and how one can leverage them to your benefit.

As a reminder, 2025 would be the final yr that the SQM-rollover profit is being supplied, and starting in 2027, you’ll get pleasure from the brand new Head Begin profit as a substitute. We’ve up to date this information to replicate the upcoming modifications.

What Are the Aeroplan Premium Credit score Card Rollover Advantages?

For those who’re a cardholder of the American Categorical Aeroplan Reserve Card, the American Categorical Aeroplan Enterprise Reserve Card, the TD® Aeroplan Visa Infinite Privilege* Card, or the CIBC Aeroplan® Visa Infinite Privilege* Card, you’re eligible to roll over unused Standing Qualifying Miles (SQM) and luxuriate in an prolonged validity interval for eUpgrades. For those who don’t have one in all these playing cards, you aren’t eligible for any rollover advantages.

For those who’re eligible, you’ll be able to roll over as much as 200,000 unused Standing Qualifying Miles (SQM) by means of to the following yr, and any eUpgrades you earn whereas a cardholder could have a validity interval of 24 months as a substitute of simply 12. We’ll go over every of those options intimately in a while on this information.

Importantly, you need to maintain an eligible premium Aeroplan co-branded bank card by December 15 every year to be eligible for these advantages. Due to this fact, be sure to apply properly upfront of this deadline to make sure you can benefit from the perks.

These advantages are solely relevant to the first cardholder, which signifies that in case you have any further cardholders in your account, they will’t roll over unused SQM or get prolonged eUpgrade validity from their very own accounts.

Along with holding an eligible bank card by December 15, you need to even have certified for Aeroplan Elite Standing organically to learn from the SQM rollover profit.

Because of this you need to have fulfilled both the Standing Qualifying Miles or Standing Qualifying Segments threshold, and the Standing Qualifying {Dollars} threshold, for any of the Aeroplan 25K, 35K, 50K, 75K, or Tremendous Elite tiers to be eligible for the SQM rollover profit.

As per the phrases and situations, in the event you have been gifted standing or in the event you earned standing some other manner, corresponding to by means of On a regular basis Standing Qualification or the Chase Aeroplan Card issued in america, you gained’t have the ability to roll over any unused SQM.

So as so that you can get pleasure from a two-year validity interval in your eUpgrades, you don’t must have certified organically for standing. Nevertheless, you do want to carry standing on the time that the eUpgrades are earned.

In different phrases, any eUpgrades you earned previous to changing into a premium cardholder could have the usual 12-month validity interval.

Must you determine to shut the bank card account, the phrases and situations state that the rolled-over SQM will likely be eliminated out of your account, and any standing earned on account of the rolled-over SQM can also be rescinded.

For those who change or shut your card, the validity interval of any eUpgrades earned whereas a premium cardholder will retain their two-year expiry date; nonetheless, any eUpgrades earned after that may include the usual 12-month validity interval.

The excellent news is that so long as you’ve met the necessities outlined above, you don’t must do the rest to have your SQM rolled over or your eUpgrades prolonged.

It’s a course of that requires no further effort in your half, and the rolled-over SQM will seem in your Aeroplan account mechanically.

SQM Rollover from 2025 to 2026

In 2026, Air Canada is transferring to a revenue-based mannequin for incomes standing. As a part of the modifications, you’ll not roll over SQM (beginning in 2026), and also you’ll as a substitute benefit from the Head Begin profit, which is able to award 10% of the SQC collected in 2026 in the beginning of 2027. 

If in case you have SQM which are eligible for roll over from 2025 to 2026, they’ll be transformed into SQC at a 5:1 ratio. 

For instance, in case you have 50,000 SQM which are eligible for roll over, you’ll begin 2026 with 10,000 SQC in your account.

Since you’ll be able to roll over as much as 200,000 SQM, there’s a most of 40,000 SQC which you can get this manner. 

How Does the Standing Qualifying Miles Rollover Profit Work?

For the SQM rollover profit, the first cardholder can roll over as much as 200,000 unused SQM from the prior qualification yr to the following qualification yr. In years previous, rolled-over SQM have been useful in requalifying for standing once more, because it gave you a head begin for the next yr.

Air Canada calculates the unused SQM to roll over by subtracting the SQM required for the standing you certified for from the quantity of SQM out there in your account. 

For instance, suppose you certified organically for Aeroplan 35K standing in 2025, and on the finish of the yr, you wound up with 45,144 SQM, 21 SQS, and $4,500 SQD. 

Because the SQM threshold for Aeroplan 35K standing is 35,000 SQM, you’d have the ability to roll over 10,144 SQM to the 2025 qualifying yr, since there are 10,144 SQM that you just didn’t use to qualify in your standing. For the conversion to SQC, you’d get round 2,029 SQC since rollover SQM will likely be transformed at a 5:1 ratio.

Word that the rollover profit doesn’t apply to SQS or SQD, so that you’ll want to begin from scratch for these every year.

You may examine to see what number of SQM you may have by signing in to your Aeroplan account. Below the “Standing” tab, you’ll be able to see the variety of Standing Qualifying Miles, Standing Qualifying Segments, and Standing Qualifying {Dollars} you’ve earned within the present and previous qualifying years.

Importantly, you’ll be able to solely roll over as much as a complete of 200,000 SQM, no matter what number of premium Aeroplan co-branded bank cards you may have. For instance, in case you have two premium co-branded bank cards and have 150,000 SQM eligible to roll over, you’ll solely obtain 150,000 SQM, and never 300,000 SQM.

Traditionally, rolled-over SQM have counted in the direction of incomes Threshold Rewards, which additional unlocked helpful advantages every year, corresponding to eUpgrades, further rollover SQM, and even banked Tremendous Elite standing. As a reminder, Threshold Rewards are being merged into Milestone Advantages; nonetheless, you’ll proceed to earn Threshold Rewards for the rest of 2025.

This specific profit may be very beneficiant to anybody who earns far more SQM than they should qualify for standing, together with those that put very excessive volumes of spending on their card and earn SQM that manner.

For instance, in the event you earn a complete of 300,000 SQM in any given yr (and assuming you additionally meet the $20,000 Tremendous Elite SQD requirement), you may have been in a position to roll over 200,000 SQM as a premium cardholder (because you’d have used 100,000 SQM to qualify for Tremendous Elite standing).

With the rollover profit, you’d begin the next yr with 200,000 SQM, and when you hit 250,000 SQM by means of flying or eligible bank card spending, you’d have earned a banked yr of Tremendous Elite standing as a Threshold Reward. 

Certainly, this has been a really profitable profit for high-volume spenders and frequent flyers for the previous 5 years. When you’ll nonetheless have the ability to earn a banked yr of Tremendous Elite standing with the revamped Elite standing program, it’ll require far more legwork within the type of spending on Air Canada flights to get sufficient SQC going ahead (it’s out there as a range on the 200,000-SQC threshold).

How Does the Prolonged eUpgrade Validity Interval Profit Work?

In 2024, Aeroplan rolled out some modifications to the best way eUpgrade validity durations are calculated.

As of July 1, 2024, any eUpgrades earned have had a validity interval of 12 months from the date on which they’re earned. For eligible premium cardholders, the validity interval is mechanically set to 24 months, and there’s no restrict to the variety of eUpgrades it may well apply to.

There are not any modifications to the 24-month eUpgrade validity interval for premium cardholders as a part of the revamped Elite standing program.

This was a departure from the earlier system of eUpgrade validity, which had totally different validity durations relying on once they have been earned. It was additionally a departure from the earlier rollover profit for premium cardholders, which allowed you to roll over as much as 50 unused eUpgrades by means of to the next yr.

Take into account that your eUpgrades have to be legitimate for the date of journey to be utilized to a reserving.

This 24-month coverage provides premium cardholders first dibs on flights with eUpgrade availability, which could be advantageous to these trying to rating Air Canada enterprise class for much less. Plus, it provides you a complete further yr to utilize them, relatively than having unused credit expire.

It’s price noting that this impacts the technique for selecting eUpgrades as one in all your Choose Advantages (in the event you haven’t achieved so but in 2025). For those who wait till later within the yr to make your choices, you’ll give your self the longest runway to make use of them, since they’ll be legitimate for twenty-four months from the date on which they’re earned.

Nevertheless, since they’ll be legitimate for 2 years, premium cardholders don’t essentially want to attend to pick them (as was the case previously), so long as you recognize you’ll make use of them inside the subsequent two years. For those who’re in want of a top-up to your eUpgrade steadiness, then choosing them earlier within the yr will not lead to a shorter validity interval.

As a reminder, Choose Advantages are additionally being merged into Milestone Advantages in 2026.

eUpgrades could be very helpful for reserving flights in Air Canada enterprise class with out paying high greenback, or being topic to the fallacious aspect of dynamic pricing on Air Canada flights with Aeroplan redemptions.

Let Us Take Care of You

For those who’re an Air Canada frequent flyer trying to maximize the advantages of the brand new Aeroplan Elite standing program, Aeroplan factors, eUpgrades, and extra with out placing in all the work your self, head over to the Prince of Journey Concierge web site to be taught extra about our white-glove service.

Our professional Concierge account managers will take care of all the pieces in your behalf: crafting a complete bank card technique, guaranteeing you’re incomes elite standing and leveraging all the advantages, redeeming factors for max worth, and saving you money and time on reserving journey.

Conclusion

Cardholders of premium Aeroplan bank cards, such because the American Categorical Aeroplan Reserve Card, the American Categorical Aeroplan Enterprise Reserve Card, the TD® Aeroplan Visa Infinite Privilege* Card, or the CIBC Aeroplan® Visa Infinite Privilege* Card, can roll over as much as 200,000 unused Standing Qualifying Miles and luxuriate in a 24-month eUpgrade validity interval.

For the previous 5 years, rolled-over Standing Qualifying Miles have made requalifying for Aeroplan Elite Standing simpler – and have been additionally helpful for incomes beneficial Threshold Rewards – whereas having a two-year validity interval for eUpgrades can wind up saving you a tidy sum of money or Aeroplan factors for reserving Air Canada premium cabins.

As of 2026, the SQM-rollover profit is being discontinued, and also you’ll get pleasure from the brand new Head Begin profit as a substitute. Any SQM eligible for rollover from 2025 to 2026 will likely be transformed into SQC at a 5:1 ratio.