How Does the Aeroplan Head Start Benefit Work?

Premium Aeroplan credit cards have long offered exclusive perks beyond just earning points. For years, one of the most valuable benefits was the ability to roll over unused Status Qualifying Miles (SQM) – a feature that gave frequent flyers a meaningful head start on requalifying for Aeroplan Elite Status each year and unlocking valuable Threshold Rewards (which are no longer available).

With Air Canada's transition to the new revenue-based Status Qualifying Credits (SQC) system in 2026, the SQM rollover benefit on premium Aeroplan credit cards is gone. In its place is a new benefit (set to debut in earnest in 2027) called Head Start, which carries forward a portion of your prior year's SQC to give you a boost on requalification.

In this guide, we'll go over everything you need to know about the Head Start benefit, including:

1. How it works and how much SQC you can carry forward
2. Which credit cards are eligible
3. How Head Start compares to the old SQM rollover
4. The one-time SQM-to-SQC transition from 2025 to 2026
5. Whether Head Start changes the value proposition of holding a premium Aeroplan card

Let's dive right in.

What Is the Aeroplan Head Start Benefit?

Head Start is a premium credit card benefit that carries forward 10% of the SQC you earned in the previous year to the next qualification year. Put another way, if you earned 80,000 SQC in 2026, you'd begin 2027 with 8,000 SQC in your account, which are automatically deposited by the end of March if you've met all of the requirements.

Notably, there's no cap on the Head Start carryover. If you earned 200,000 SQC in a year, you'd start the next year with 20,000 SQC. This makes Head Start particularly valuable for high earners – a Super Elite member who hits 125,000 SQC would carry forward 12,500 SQC, while someone who goes well beyond that threshold benefits even more.

This benefit is available exclusively to primary cardholders of the following premium Aeroplan co-branded credit cards:

• American Express Aeroplan Reserve Card
• American Express Aeroplan Business Reserve Card
• TD® Aeroplan® Visa Infinite Privilege* Card
• CIBC Aeroplan® Visa Infinite Privilege* Card

If you don't hold one of these four cards, you're not eligible for Head Start. Core-tier Aeroplan cards – such as the TD Aeroplan Visa Infinite, CIBC Aeroplan Visa Infinite, or the American Express Aeroplan Card – do not qualify.

As with the old SQM rollover benefit, you must hold an eligible premium card by December 15 of each year to be eligible for Head Start. Make sure you apply well in advance of this deadline to ensure the benefit kicks in for the following year.

You also must hold Aeroplan Elite Status on the Head Start determination date in February. 

It's also worth noting that Head Start applies only to the primary cardholder. Additional cardholders on your account don't receive their own Head Start benefit.

How Does Head Start Work?

The mechanics are straightforward: at the start of each new qualification year, 10% of the SQC you earned in the previous year is deposited into your account. There's no cap on the carryover, and the process is automatic – you don't need to do anything as long as you hold an eligible premium card by the December 15 deadline and have qualified for Aeroplan Elite Status.

It's important to note that Head Start counts all SQC you earned, regardless of source. Whether your SQC came from Air Canada flights, credit card spend, partner activity, Milestone Benefits, Air Canada Vacations, the Head Start benefit, and/or Million Mile benefits, it all counts toward the 10% calculation.

Here's what Head Start looks like at various levels of SQC earning, assuming you earn the following round numbers:

SQC Earned (Prior Year)	Head Start SQC	% of 25K Tier	% of 50K Tier
25,000 (25K status)	2,500	10%	5%
35,000 (35K status)	3,500	14%	7%
50,000 (50K status)	5,000	20%	10%
75,000 (75K status)	7,500	30%	15%
125,000 (Super Elite)	12,500	50%	25%
200,000 (heavy earner)	20,000	80%	40%

As you can see, Head Start is most meaningful for members at higher tiers. A Super Elite member starts the year with 12,500 SQC – already halfway to 25K status. For a 25K member, the 2,500 SQC head start is helpful but won't dramatically change the equation.

The bottom line is that Head Start provides a modest requalification boost – not a game-changer, but a nice cushion that rewards loyalty and sustained flying.

The 2025–2026 Transition: SQM-to-SQC Conversion

Since 2026 is a transition year between the old SQM system and the new SQC system, there's a one-time mechanism for carrying over unused SQM from 2025.

If you're an eligible premium cardholder who had unused SQM at the end of 2025, those SQM were converted into SQC at a 5:1 ratio, capped at 200,000 SQM. Here's what that looks like:

• 50,000 unused SQM from 2025 → 10,000 SQC for 2026
• 100,000 unused SQM from 2025 → 20,000 SQC for 2026
• 200,000 unused SQM from 2025 → 40,000 SQC for 2026 (maximum)

This one-time conversion follows the same rules as the old SQM rollover: you must have qualified organically for Aeroplan Elite Status in 2025, and the unused SQM are calculated by subtracting the SQM required for your qualified tier from your total SQM balance.

It's worth noting that 40,000 SQC is a very substantial head start – enough to get you 80% of the way to 50K status (Star Alliance Gold). This one-time conversion is far more generous than the ongoing Head Start benefit, so 2026 may be the easiest year to requalify for many frequent flyers.

From 2027 onward, only the standard Head Start benefit (10% of SQC) will apply.

Is a Premium Aeroplan Card Worth It for Head Start?

This is where things get interesting. The eligible premium cards carry annual fees of $599 (TD Aeroplan Visa Infinite Privilege Card, CIBC Aeroplan Visa Infinite Privilege Card, and American Express Aeroplan Reserve Card), so Head Start alone probably doesn't justify the cost. But it's one piece of a broader value proposition.

Beyond Head Start, premium Aeroplan cardholders enjoy:

• Higher SQC earning from card spend – 1,000 SQC per $5,000 spent (core cards earn just 1,000 per $20,000)
• Unlimited Maple Leaf Lounge access
• Priority check-in, boarding, and preferred seats on Air Canada
• Enhanced Aeroplan earning rates on purchases
• 24-month eUpgrade validity

For frequent Air Canada flyers who are actively pursuing or maintaining elite status, the combination of SQC earning from card spend plus Head Start plus lounge access makes these cards compelling. The SQC earning alone – up to 25,000 SQC from $125,000 in card spend – is the real engine. Head Start is the cherry on top.

Put another way: if you're spending $100,000+ annually on a premium Aeroplan card and flying Air Canada regularly, the Head Start benefit is gravy. But if you're a casual traveller who isn't chasing elite status, these premium cards are harder to justify on status benefits alone. In that case, the core-tier Aeroplan cards may offer better overall value for your needs.

Conclusion

Head Start is the successor to the SQM rollover benefit, carrying forward 10% of your prior year's SQC with no cap to give premium Aeroplan cardholders a boost on requalification. While it's less generous than the old rollover, it reflects the simplicity of the new SQC system and rewards continued engagement with the program.

For the 2026 qualification year specifically, the one-time SQM-to-SQC conversion at a 5:1 ratio (up to 40,000 SQC) provides a particularly valuable transition benefit for members rolling over unused SQM from 2025.

Combined with the 24-month eUpgrade validity period and SQC earning from card spend, the premium Aeroplan credit cards remain essential tools for anyone serious about Aeroplan Elite Status in the SQC era. The bottom line is that Head Start alone won't make or break your decision to hold a premium card, but as part of the full package, it's a welcome addition to the requalification toolkit.