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Card Details
Interest Rates
Purchase: 30% Annual*
Cash Advance: 30% Annual*
* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
Annual Fees
Main Card: $120
Additional Cards: $50 For Aeroplan Card, $0 for No-fee Aeroplan Card
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Earn 30,000 Aeroplan® points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 10,000 Aeroplan® points when you spend $1,000 in purchases in month 13.
Our Rating
3.4/5
Institution
American Express
How You Earn Rewards
- 2x Aeroplan® points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
- 1.5x Aeroplan® points on eligible Dining and Food Delivery purchases in Canada
- 1x Aeroplan® point on everything else
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Flight Delay
$500 (Aggregated with Baggage Delay)Baggage Delay
$500 (Aggregated with Flight Delay)
Hotel Burglary Insurance
$500
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
$85K, up to 48 days
Purchase Protection
90 days, $1,000 per occurrence
Extended Warranty
1 year
Benefits
Details
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Free first checked bag
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
Free Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
Amex Experiences™
Amex Experiences™: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
Extra points
Earn points twice at over 150 Aeroplan partner brands
Pros & Cons
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.
- If you are interested in a higher Aeroplan Status, the card helps you get there faster.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
Legal
*Terms and conditions apply.
As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
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.