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Side by Side Credit Cards Comparison
American Express® Aeroplan®* Reserve CardVSMarriott Bonvoy® American Express®* Card
Which one is better?
American Express® Aeroplan®* Reserve Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
Marriott Bonvoy® American Express®* Card
4.0
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
Welcome Bonus
- New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points
- Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
- You could earn up to $4,400 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Welcome Bonus
- Earn up to 110,000 bonus Marriott Bonvoy® points
- New Marriott Bonvoy® American Express®* Cardmembers can earn up to 110,000 bonus Marriott Bonvoy® Points
- Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
- Plus, earn 30,000 points when you make a purchase in your 15th month of Cardmembership.
- Offer ends April 7, 2026.
- Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
- 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
How to Earn Rewards
- 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.)
Insurance Included
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000/person after 6 hours.svg)
Car Rental Damage & Theft
48 days
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$1,000Flight Delay
$1,000/person after 4 hours
Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500/person, $3,000/trip
Trip Interruption
$1,500/person, $6,000/trip
Insurance Included
Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
yesCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$500Flight Delay
$500
Extra Benefits
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Status lift
Complimentary upgrade to Avis® President's ClubStatus lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travelsStatus 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.
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
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Nexus Program Rebate
$100 every 4 years
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.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)
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guestAirport Lounge - Priority Pass
Pass only. No Complimentary visits!
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
Status lift
Complimentary Marriott Bonvoy Silver Elite StatusStatus 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 cardFree Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each yearFree 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®* CardAmerican Express® Experiences
Interest Rates
Purchase:
21.99%1
Cash Advance:
21.99%1
1 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 29.99%.
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
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 29.99%.
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
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
0.825¢ / pointMost Optimal
Aeroplan® Flights
1.9¢ / point
Car Rentals
0.9¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / point
Point Redemption Options
Travel
0.44¢ / pointMost Optimal
Transfer to Hotel Partners
0.86¢ / point
Transfer to Airline Partners
0.81¢ / point
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
- Free checked bags
- Preferred flight pricing
- Unlimited airport lounge access
- Extensive coverage
- Instant decision. No credit impact.
Pros
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
- Generous welcome bonus
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Limited loyalty rewards
- High annual fee
- Limited lounge brand access
Cons
- Low acceptance
- Relatively weaker insurance
vs TD® Aeroplan® Visa Infinite Privilege* Credit Card
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vs Rogers Red World Elite® Mastercard
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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 29.99%.
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.
*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 29.99%.
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.