The ClearFin bottom line
✈️ Travel Rewards
Its strongest published earn rate in our data is 2.0% on travel. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · American Express · American Express
American Express Aeroplan Card
Start with up to 45,000 Aeroplan points, worth about $900.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- Aeroplan
- Welcome offer
- 45,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
✈️ Travel Rewards
Welcome bonus
Up to 45,000 Aeroplan pointsEstimated value: $900
How to earn it
- 35,000 Aeroplan pointsSpend $7,500 on your Card within the first 6 months as a new American Express Aeroplan Cardmember
- 10,000 Aeroplan pointsSpend $1,000 in month 13
Offer details
Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
How you earn
- 2x Aeroplan points on eligible Air Canada and Air Canada Vacations purchases
- 1.5x Aeroplan points on eligible dining and food delivery purchases in Canada
- 1x Aeroplan point on all other eligible purchases
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120
Purchase interestConfirmCheck current issuer rate
Cash advance interestConfirmCheck current issuer rate
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Recommended credit score743+ Good to Excellent
Applicants typically have the strongest approval odds with a good to excellent credit profile.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. American Express does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, and payment history.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Aeroplan points for eligible Air Canada and partner-airline flights, with taxes, fees, availability, and program rules applying.
Use eligible points for hotels, car rentals, merchandise, gift cards, and other options available through Aeroplan.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Free First Checked Bag
Cardmembers can receive their first checked bag free, up to 23kg/50lb, for up to 9 people travelling on the same reservation on eligible Air Canada flights.
Preferred Aeroplan Flight Reward Pricing
Cardmembers get access to preferred pricing on eligible Aeroplan flight rewards, which can help reduce the number of points required when redeeming for Air Canada and eligible partner flight rewards.
Fourth Hotel Night Free
Cardmembers can get an extra night free for every 3 hotel nights redeemed with Aeroplan points, available at over 300,000 hotel properties worldwide through Aeroplan hotel redemptions.
Travel Coverage
The card includes travel coverage benefits, giving cardmembers added protection when travelling. Exact coverage limits, eligibility rules, and required purchase conditions should be verified in the card insurance certificate before relying on this benefit.
Shopping Coverage
The card includes shopping coverage benefits for eligible purchases made with the card. Coverage may include protection for eligible items, subject to the card’s insurance terms, exclusions, and claim requirements.
Amex Experiences
Cardmembers receive access to American Express Experiences, which may include special events, entertainment access, dining experiences, and other curated cardmember opportunities.
Exclusive Amex Offers
Cardmembers can access targeted American Express offers, which may include statement credits, discounts, or bonus value from participating merchants when offers are available and enrolled.
World-Class Service
Cardmembers have access to American Express customer service support for account assistance, card servicing, and help with eligible card benefits.
Show all 9 benefitsShow fewer
No Preset Spending Limit
As a charge card, the card has no preset spending limit. Spending capacity can adjust based on factors such as account history, payment history, credit profile, and American Express risk assessment. The balance must be paid in full each month.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Expedited status qualification through Aeroplan preferred benefits
- Free first checked bag for up to 9 travellers on the same Air Canada reservation
- Fourth hotel night free when redeeming Aeroplan points for hotel stays
- Instant application decision with no impact to your credit score during eligibility assessment
Worth noting
- Lower earning rates than premium Aeroplan and Membership Rewards cards
- Travel and purchase insurance coverage is less comprehensive than higher-tier premium travel cards
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Travel Rewards
1.5x Aeroplan points on eligible dining and food delivery in Canada, 1x on everything else. Entry Aeroplan card at $120/yr.
How the rewards work
Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $6,000 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on travel and dining and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.