4.7
/5
American Express
American Express® Aeroplan®* Reserve CardPoints Calculator
Earn up to 85,000 Aeroplan points.
Why it's worth it
You could earn up to $4,400 or more in value within your first 13 months
When you combine the Welcome Bonus offer, 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.
Figures from American Express
Apply with Confidence: won't impact your credit score
Card Details
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
Annual Fees
Main Card: $599⁕
Additional Cards: $199
⁕ Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan®* Reserve Card annual fee will increase to $249. The Additional Aeroplan®* Reserve No Fee Card will be renamed to the Additional Aeroplan®* Reserve Companion Card and the annual fee will increase to $25. Learn more about new benefits.
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* — combining the Welcome Bonus (up to $1,700), accelerated and everyday spend earn rates (~$1,760), and $1,000 in benefits value. Terms and usage assumptions apply.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
4.7/5
Institution
American Express
How You 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
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
Trip Cancellation
Trip Interruption
Flight Delay
Baggage Delay
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
Hotel Burglary Insurance
Purchase Protection
Extended Warranty
Benefits
Details
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Free first checked bag
Nexus Program Rebate
Amex Experiences™
Extra points
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Status lift
Status lift
Status lift
Priority Travel
Priority Travel
Airport Lounge - Priority Pass
Airport Lounge - Maple Leaf and AirCanada Cafes
Companion Voucher
Free Extra Night at Hotels
Pros & Cons
Pros
- Generous rewards rate
- Free checked bags
- Preferred flight pricing
- Unlimited airport lounge access
- Extensive coverage
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Limited loyalty rewards
- High annual fee
- Limited lounge brand access
Legal
*Subject to approval. Terms and conditions apply.
The preferred rate for purchases is 21.99% and funds advances is 21.99%. 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%. See the Information box included with the application for the definition of Missed Payment and which rates apply to changes on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.