American Express® Aeroplan®* Reserve Card

American Express® Aeroplan®* Reserve Card

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Amex marriott bonvoy

Marriott Bonvoy® American Express®* Card

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American Express® Aeroplan®* Reserve Card vs Marriott Bonvoy® American Express®* Card: Which one is better?


American Express® Aeroplan®* Reserve Card

American Express® Aeroplan®* Reserve Card

4.1


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Amex marriott bonvoy

Marriott Bonvoy® American Express®* Card

4


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$659.8

Air Canada Aeroplan®


First Year Bonus Value

$0

Air Canada Aeroplan®


Annual Fee

$599


First Year Value

$60.8

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$385.37

Marriott Bonvoy


First Year Bonus Value

$430

Marriott Bonvoy


Annual Fee

$120


First Year Value

$695.37

$265.37 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    $1K
  • hourglass timer

    Baggage Delay

    $1K/person after 6 hours
  • car insurance

    Car Rental Damage & Theft

    $85K Up to 48 consecutive rental days
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 years
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $1000
  • hourglass timer

    Flight Delay

    $1,000/person after 4 hours

  • travel accident medical

    Emergency Out of province Medical

    $5M/insured up to 15 days
  • cancel airplane

    Trip Cancellation

    $1.5K/person, $3K/trip
  • pause

    Trip Interruption

    $1.5K/person, $6K/trip

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $500
  • hourglass timer

    Flight Delay

    $500

Extra Benefits*

  • star fall

    Status lift

    Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
  • star fall

    Status lift

    Complimentary upgrade to Avis® President's Club
  • star fall

    Status lift

    Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
  • star fall

    Status lift

    Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
  • bed furniture

    Free Extra Night at Hotels

    Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

  • airplane love

    Companion Voucher

    Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
  • luggage

    Free first checked bag

    First checked bag is free for primary cardholder on WestJet flight and up to 8 guests
  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
  • border guard

    Nexus Program Rebate

    $100 every 4 years
  • airport waiting room

    Priority Travel

    At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
  • airport waiting room

    Priority Travel

    Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes

    Unlimited Access for you and one guest
  • alcohol cheers

    Airport Lounge - Priority Pass

    Pass only. No Complimentary visits!
  • Amex logo

    Amex Experiences™

    Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more

Extra Benefits*

  • star fall

    Status lift

    Complimentary Marriott Bonvoy Silver Elite Status
  • star fall

    Status lift

    Upgrade to Gold Elite status when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
  • bed furniture

    Free Extra Night at Hotels

    Enjoy an Annual Free Night Award after your Card anniversary each year
  • bed furniture

    Free Extra Night at Hotels

    Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy® American Express®* Card

  • Amex logo

    American Express® Experiences

Interest Rates*

Purchase:

21.99%1

Cash Advance:

21.99%1

Interest Rates*

Purchase:

21.99%2

Cash Advance:

21.99%2

Annual Fee*

$599

Annual Fee*

$120

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus*

60,000 Aeroplan® points after spending over $7,500 on your Card within the first 3 months as a new American Express® Aeroplan® Reserve Cardmember, plus 25,000 Aeroplan® points when you spend $2,500 in month 13. Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.

Welcome Bonus*

Earn 50,000 Marriott Bonvoy® points after you spend $1,500 on your Card within your first 3 months as a new Marriott Bonvoy® American Express® Cardmember. Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.

Rewards Rate*

  • 3x Aeroplan® points per $1 spent on eligible Air Canada® and Air Canada Vacations® purchases
  • 2x Aeroplan® points per $1 spent on eligible dining & food delivery purchases
  • 1.25x Aeroplan® points per $1 spent on all other purchases

Rewards Rate*

  • 5 points per $1 on eligible purchases at participating Marriott Bonvoy hotels
  • 2 points per $1 on all other purchases (i.e. dining, groceries, online shopping, etc.)

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • travel - plane

    Travel

    0.825¢ / point

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

Point Redemption Options*

  • travel - plane

    Travel

    0.44¢ / point

  • Most Optimal

    hotel

    Transfer to Hotel Partners

    0.86¢ / point
  • plane

    Transfer to Airline Partners

    0.81¢ / point
  • charity-donation

    Charity

    0.4¢ / point

Is this card worth it?

If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but I don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.

Is this card worth it?

The Marriott Bonvoy American Express Card is a standout for frequent travelers who value luxury and flexibility in their rewards. With access to over 7,000 participating hotels, cardholders can earn generous points on both Marriott Bonvoy bookings and everyday purchases. The card's annual free night award and complimentary Silver Elite status make it even more appealing, offering service upgrades and extra points on eligible stays. For those who frequently stay at Marriott properties and want to maximize their travel perks, this card is a top choice.

Pros

  • Generous rewards rate with up to 3 Aeroplan points per $1 spent on purchases, particularly beneficial for frequent flyers.
  • Enjoy free checked bags when flying with Air Canada, reducing travel costs.
  • Access to preferred pricing on Aeroplan flight awards, maximizing the value of your points.
  • Unlimited access to Maple Leaf lounges when flying with Air Canada, providing a more comfortable travel experience.
  • Extensive insurance coverage, including 11 types of insurance, offering peace of mind during your travels.

Pros

  • Earns high rewards on Marriott Bonvoy hotel stays, with competitive points on other purchases.
  • Includes an annual free night certificate, adding significant value to frequent travelers.
  • Automatic Silver Elite status provides enhanced benefits during stays, like late checkout and additional points.
  • Generous welcome bonus, offering a substantial boost to your rewards balance early on.

Cons

  • As an American Express card, it may have limited acceptance compared to other credit cards, potentially limiting its use in some places.
  • The most valuable rewards are generally tied to Air Canada flights, which may not appeal to travelers who fly with other airlines.
  • The card comes with a high annual fee of $599, which may be a consideration for budget-conscious users.
  • The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.

Cons

  • As an American Express card, it may not be as widely accepted as other credit cards, limiting its usability in some locations.
  • Travel insurance coverage is comprehensive but may not match the levels offered by other premium cards in the market.

Legal


**Terms and conditions apply. If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 28.99%. American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
1,2 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 28.99%.

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