Best for: Aeroplan collectors who spend a lot on dining and food delivery
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #17 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $700
- All of year one’s offer. Up to 45,000 Aeroplan points.
- Annual fee
- $120 a year
Have this card?
Details from American Express’ site. Banks can update terms at any time, so give them a quick look before you apply. Source
Is it for me?
Do you spend $250 or more a month on flights?
Do you pay your card off in full most months?
Answer the 2 questions to see if it fits.
The good and the bad
Stands out
- Good: 2 points per $1 on flights At our value for these points, that’s about 4% back.
- Good: Welcome offer up to 45,000 Aeroplan points About $900 at our value for these points.
Watch for
- Watch for: $120 a year You need about $250 a month on flights to earn it back.
- Watch for: 30% on purchases Higher than most cards. Pay in full each month to avoid it.
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
Aeroplan points valued at 2¢ each.
Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.
What counts in each category
- Flights
- 2 points per $1 Bought directly from Air Canada, including Air Canada Vacations
- Restaurants
- 1.5 points per $1 Dining in Canada
- Food delivery
- 1.5 points per $1 In Canada
- Everything else (base rate)
- 1 point per $1
- Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card.
How Aeroplan points work, and why 2¢
We count Aeroplan points at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 6¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can your spending get the full offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
35,000 Aeroplan points · about $700
Spend $7,500 in your first 6 months.
You’d reach it in month 3.
- On purchases within the first 6 months
- Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in month 13
-
2
10,000 Aeroplan points · about $200
Keep the card for a year.
- spend $1,000; in month 13
Offer end date not published.
Offer checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
NerdWallet (opens in a new tab) Mar 20268.8
“The American Express Aeroplan Card can help you rack up points at an impressive clip, especially if you make regular use of food delivery apps. No pre-set spending limit means freedom and flexibility — just remember to pay down that balance every month.”
-
Yore Oyster (opens in a new tab) Apr 2024
“AMEX Aeroplan Card is a decent travel credit card for individuals who often fly on Air Canada. It’s a competent way to get rewards while purchasing airline items and services. In return, you can have exclusive access to the programs and acquire benefits offered by AMEX and Aeroplan.”
-
Money We Have (opens in a new tab) May 2023
“There’s a crowded field when it comes to American Express credit cards, but my American Express Aeroplan Card review is positive. It’s a mid-tier Aeroplan card that’s good for people looking for the following: you want to earn Aeroplan points, you want free checked bags on Air Canada, and you want access to Amex experiences. Although it’s true that not every merchant accepts American Express, it’s becoming less of an issue these days. Consumers should always look for the best cards for them, so if you want to earn Aeroplan points, while getting some nice travel benefits, then then American Express Aeroplan Card is for you.”
-
Rewards Canada (opens in a new tab) Mar 2023
“The American Express Aeroplan Card is a somewhat forgotten card in the mix of 15 Air Canada Aeroplan co-brand cards mainly due to the popularity of the Aeroplan Visa Infinite cards offered by TD and CIBC. However with an equally good welcome bonus, lower annual fee, great earn rates and no requirement to have $60,000 or higher annual income, the American Express Aeroplan Card is worth a look for those looking for a premium Aeroplan card.”
-
“The Air Canada Credit Card should not be ignored for simply being a card for a Canadian airlines. Aeroplan has been making so many changes to their program that it appeals to travelers from all over the globe. By having nearly 50 airline partners the card at only $95 per year makes a ton of sense to have to be able to redeem on those airlines. Not to mention you get elite status that you will make your travels on Air Canada a little more enjoyable.”
-
PointsWise (opens in a new tab) Sep 2022
“The Aeroplan Card is the entry level Card in the Amex Aeroplan family of Cards which includes the Reserve Card, and the Business Reserve Card. Even as an entry level Card, it packs huge travel benefits for the Canadian traveller who flies Air Canada or an Aeroplan partner in the Star Alliance.”
Ratings from people with this card
No ratings yet. If you have this card, tell others what it’s like.
Applied and weren’t approved?
Would you recommend the American Express® Aeroplan® Card?
Takes 30 seconds. No account needed.
Applied and weren’t approved?
Do you have this card?
Anything else?
All optional. Skip straight to Share if you like.
When you applied
Helps others know their odds. We only show ranges, added up with other answers.
Sorry it didn’t work out
Your score range helps others know their odds. We only show it added up with other answers.
Complete the check above to send it.
Add your email and we’ll send one link to publish it. Your name shows with your rating. Your email never does.
Add your email and we’ll send one link to confirm it. We never show your name or email with a score range.
Thanks for helping out!
Your score range helps other people know their odds before they apply.
Your rating is on the page now. People picking a card will be glad you did.
We’ll give it a quick read, then it shows on this page. People picking a card will be glad you did.
Thanks! Check your inbox
We sent a link to . Click it to publish your rating. Check your spam folder if it isn’t there.
Sent again.
What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Flight delay Included
- Baggage delay Included
- Lost baggage Included
- Hotel burglary Included
- Free First Checked Bag
- Exclusive Access to Amex Experiences
- Reach Elite Status Faster
- Front Of The Line®
- Flight Delay Insurance
- Baggage Delay Insurance
- Lost or Stolen Baggage Insurance
- Hotel Burglary Insurance
- Travel Emergency Assistance
- Free Uber Pass Membership for 6 months
Coverage limits
We haven’t recorded the coverage limits for this card yet. Read American Express’ insurance certificate before you count on any coverage.
Not included
Not listed for this card: travel medical, trip cancellation, trip interruption and mobile device.
What it costs
- Annual fee
- $120 a year
- Purchase interest
- 30%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- $50
- Cash advance fee
- 3%, Minimum of $0.75
- Over-limit fee
- None
- Late payment fee
- None
- Source
- Issuer page
Interest rates
- Source
- Issuer page
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $1,270 year one, $570 every year after.
-
American Express Cobalt™
Year one $1,651Every year after $1,396 -
Scotiabank Gold American Express® Card
Year one $1,825Every year after $1,055 -
RBC Ion+ Visa
Year one $1,245Every year after $1,007 -
National Bank World Elite Mastercard
Year one $1,099Every year after $904
See all cards ranked for your spending
Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money
Questions people ask
What is the annual fee on the American Express® Aeroplan® Card?
$120 a year. Each extra card costs $50.
How much is the American Express® Aeroplan® Card welcome offer worth?
Up to 45,000 Aeroplan points, about $900. You get it in 2 steps: 35,000 Aeroplan points after you spend $7,500 in the first 6 months; 10,000 Aeroplan points on your first card anniversary.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
30% on purchases.
Does it include insurance?
It lists extended warranty, purchase protection, flight delay insurance and baggage delay insurance. Read the insurance certificate for the limits.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money