American Express® Aeroplan®* Card
on American Express's website
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Pros & Cons
Pros
- Welcome Bonus: Up to 45,000 points
- Purchase protection included
Cons
- Annual fee ($120/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The American Express® Aeroplan®* Card is appealing if you fly with Air Canada and want to earn points for future flights. Its most practical benefit is a first checked bag free for you and up to 8 companions on the same reservation when your trip begins with an Air Canada flight, subject to applicable terms.
The welcome offer can reach 45,000 Aeroplan points:
- 35,000 points after $7,500 in purchases in the first 6 months;
- 10,000 additional points after $1,000 in purchases in month 13.
Earn 2 points per dollar on eligible purchases made directly with Air Canada and Air Canada Vacations, 1.5 points per dollar on eligible dining and food delivery in Canada, and 1 point per dollar on other purchases.
The Card helps you work toward your next trip while saving on checked baggage when travelling with family or friends. There is no minimum income requirement.
The current annual fee is $120. It increases to $150 for fees charged on or after January 12, 2027.
Rewards
All Spending
1x
Aeroplan pts per dollar
Air Canada flights
2x
Aeroplan pts per dollar
Restaurants
1.5x
Aeroplan pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
31,800
Aeroplan/yr
Estimated Value
$636
After Fees
+$516
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$1,216
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Aeroplan — Spend $1,000 in month 13 (year 2)
The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.
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 (primary)
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$120
- Additional card fee$50
- Foreign currency conversion fee2.5%
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.
- Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Card annual fee will increase to $150. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan®* Card annual fee will increase to $59. The Additional Aeroplan®* No Fee Card will be renamed to the Additional Aeroplan®* Companion Card and the annual fee will increase to $25. Learn more about new benefits.
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.
Legal
American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
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. Travelling Salzmans may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.
