Despite the news about Air Canada & Aimia ending in 2020, my Aeroplan accumulation strategy isn't really going to change.

- Right now, I rarely use my Aeroplan cards for day-to-day spend. There's always other cards in my wallet with a better reward on most purchases. So I will keep using those cards sparingly anyway.

- The vast majority of my Aeroplan accumulation is from signup bonuses. So when TD or CIBC or American Express offer 15,000, 20,000 or 30,000 point sign up bonuses, I generally just churn what I realistically can. To me, those points don't come at the expense of other rewards programs. Even with a moderate devaluation of what an Aeroplan mile is worth, I would still keep churning.

- If Aeroplan cards adopt larger annual fees, though, that might freeze my card applications. Aeroplan will have to rely on other airlines much more than Air Canada in the future. Since I'm in a smaller city with fewer international connections, my Aeroplan options may be more limited.