Ratesopedia

Pros

  • Welcome Bonus: 45,000 points
  • Purchase protection included

Cons

  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Our Review

With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 45,000 Aeroplan points. Here’s how:

  • Earn 35,000 Aeroplan points after charging $7,500 to your Card within the first 6 months.
  • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.

With this Card, you earn 2x the points on purchases with Air Canada and Air Canada Vacations.

And 1.5x the points for dining and food delivery services in Canada. Anywhere else, you will earn 1X the points.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

 

Rewards

All Spending

1x

Aeroplan pts per dollar

Restaurants

1.5x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

/ point
Restaurants1.5x
$160/month
Groceries1x
$400/month
Gas1x
$300/month
Recurring1x
$300/month
All other spending1x
$700/month

Points Earned

23,280

Aeroplan/yr

Estimated Value

$466

After Fees

+$346

1st Year Value

$1,246

incl. welcome bonus

Annual rewards breakdown

Restaurants$1,920/yr × 1.5x2,880 pts
Groceries$4,800/yr × 1x4,800 pts
Gas$3,600/yr × 1x3,600 pts
Recurring$3,600/yr × 1x3,600 pts
All other spending$8,400/yr × 1x8,400 pts
Total annual spend$22,320
Monthly spend$1,860
Average earn rate1.04x
Total points earned23,280 pts

Travel Insurance

Delayed Baggage

Up to $500

Lost Baggage

Up to $500

Flight Delay

Up to $500

Hotel Burglary

Up to $500

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $85,000 / 48 days

Terms & Conditions

Card Features

  • New American Express® Aeroplan®* Cardmembers can earn up to 45,000 Aeroplan points:
    • Earn 35,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 6 months.
    • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.
    • You could earn up to $1,550 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $900 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,550 or more in value within your first 13 months. Terms and usage assumptions apply.

Card features

  • Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
  • Standard Earn Rate: Earn 1X the points on everything else
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to your Card, up to 25,000 SQC
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • Amex ExperiencesTM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

FAQ

Where to use the American Express® Aeroplan®* Card in Quebec or Canada?

You can use your American Express® Aeroplan®* Card at grocery stores like Metro, Super C, Safeway, Whole Foods, your Couche-tard or 7Eleven convenience store, your favourite gas station like Esso, Shell, Petro-Canada, or any travel provider!

How are Aeroplan points earned?

2 points per dollar on Air Canada purchases, 1.5 points for dining and food delivery services, and 1 point on other purchases.

What are the baggage benefits with Air Canada?

Free first checked baggage for you and up to 8 travel companions.

How do Status Qualifying Miles work?

Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in net purchases.

Related Cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express Canada. All trademarks are property of their respective owners.