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Why you should do the math before booking an Aeroplan stopover

Oct. 14, 2022
6 min read
Air Canada planes on the tarmac in Toronto
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Aeroplan’s stopover feature is simple and a fan favorite: You can turn one trip into two for only 5,000 points.

When booking a flight from one region to another, you can stop in one city and explore to your heart’s content (up to 45 days) before continuing on the same ticket to another city. Rather than buying two separate tickets, this stopover benefit can often save tens of thousands of points if used properly.

What’s better? Aeroplan allows you to add a stopover on a one-way flight. So you could turn a round-trip itinerary (two one-ways) into a three-city trip for only 10,000 more points (5,000 per one-way).

The additional points should be easy enough to earn with Aeroplan's numerous transferable points partners, including American Express Membership Rewards, Chase Ultimate Rewards, Capital One miles and Marriott Bonvoy. If you are running low on transferable rewards, getting the Aeroplan® Credit Card should have you up and running in no time.

But there are some times when it makes more sense to book separate one-way tickets. So, let's consider when you should skip Aeroplan's stopover feature to save points while still booking your desired route.

When it makes more sense to book 2 one-way tickets

An Air Canada jet waits at a gate. SEAN CUDAHY/THE POINTS GUY

One trip where it might seem to make sense to book a stopover would be a trip from California to visit Switzerland and Italy.

Booking the stopover is not too difficult. Simply plug in the departure city, the stopover city (first stop), the destination city (second stop) and the stopover length in the stopover city. Then, let Aeroplan price out your redemption.

AIRCANADA.COM

This itinerary would include a business-class flight on Air Canada’s Star Alliance partner Swiss International Air Lines from San Francisco to Zurich. Then, you can explore Switzerland to your heart's content before continuing to Rome (also in business class) for 95,000 points.

AIRCANADA.COM

Compared to the cost of booking this ticket from San Francisco to Rome, connecting in Zurich (and not being able to properly stop over and explore) for 90,000 points, this appears to be a worthwhile endeavor.

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AIRCANADA.COM

How booking 2 separate tickets is cheaper

However, while this appears to be a good deal, there's a little more to the story for this redemption. Let's compare this stopover itinerary to booking two one-way tickets: one from San Francisco to Zurich and one from Zurich to Rome.

In this case, booking a business-class award from San Francisco to Zurich would cost 70,000 points.

AIRCANADA.COM

And the flight from Zurich to Rome would cost 15,000 points in business class.

AIRCANADA.COM

In this case, avoiding Aeroplan’s stopover feature and booking two separate awards decreased the overall ticket price from 95,000 points to 85,000 points. TPG values 10,000 Aeroplan points at 1.5 cents per point, meaning you'd get about $150 in savings. That's not too bad for minimal extra effort.

Related: Why Aeroplan’s generous stopover option adds even more value to Amex cards

Why booking a stopover is more expensive

Aren't stopovers supposed to save you points? In most cases with the Aeroplan program, they do. But this isn't always the case.

For this example, Aeroplan's distance-based award chart is the reason for the increased cost. Here's a look at the loyalty program's award chart for North America and Atlantic zones, which covers all of Europe, the Middle East and Africa.

AIRCANADA.COM

Booking the flight from San Francisco to Zurich clocks in at 5,840 miles, placing it in the second pricing band for flights between 4,001 and 6,000 miles.

GCMAP.COM

Since the flight from Switzerland to Rome (431 miles) pushes the total distance into the third distance band from 6,001 to 8,000 miles, it increases the cost by 20,000 points from 70,000 points to 90,000 points.

But, booking the intra-Europe segment separately would only cost 15,000 points for business, based on the intra-Atlantic Zone award chart. It would also prevent the San Francisco-to-Europe segment from falling into a higher price band and eliminate the 5,000-point stopover fee.

AIRCANADA.COM

Related: The best ways to maximize Air Canada's Aeroplan program

Bottom line

This isn't to say that Aeroplan stopovers are always a bad deal. The ability to book Aeroplan stopovers for only 5,000 points is a great deal that opens up the possibility to book multicity awards for a fraction of the cost. There are plenty of times when it makes sense to use the feature, saving you thousands of points in the process.

But as you've seen in this example, this isn't always the case. Sometimes, using the stopover feature puts you in the next award chart pricing band. So you should always do the math and double-check that adding a stopover actually saves you points before booking.

Featured image by JAMES MACDONALD/BLOOMBERG/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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  • Weak on travel outside of flights and everyday spending bonus categories
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  • Some may have trouble using Uber/food credits
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  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
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  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees