Our Verdict
The American Express Aeroplan Card earns solid marks for providing accessible Aeroplan earning without the hefty fees of premium alternatives, with its 40,000-point welcome bonus offering immediate value worth approximately $800 in flight redemptions. The free checked bag benefit for up to nine travelers on the same reservation delivers exceptional value for families or groups, potentially saving hundreds per trip, while the 1.5x earning on dining and food delivery acknowledges modern spending patterns often ignored by basic travel cards. The charge card structure forcing monthly payment in full promotes responsible financial habits while eliminating interest concerns. Where the card disappoints is in its lack of airport privileges like lounge access or priority services that define premium travel cards, making the $120 annual fee harder to justify for solo travelers. The absence of bonus categories for gas, groceries, or general shopping limits everyday earning potential, while the 30% penalty interest on unpaid balances creates severe consequences for those unable to pay in full. Despite these limitations, for Air Canada loyalists who travel with family or groups and maintain disciplined payment habits, the American Express Aeroplan Card provides genuine value through practical benefits that outweigh its modest shortcomings.
7.4 / 10
- Earn up to 40,000 welcome bonus points
- Earn up to 2x points per $1 spent
- Comprehensive travel insurance coverage
- First checked bag free on flights
- Reach Elite Status faster
- You'll pay an annual fee of $120
- You'll pay an interest rate of 30% on any outstanding balances
- No airport perks like lounge access
Requirements
Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
Additional Details
- Balance Transfer APR: N/A
- Currency Conversion Fee: 2.5%
- Minimum Credit Score: 700+
- Minimum Deposit to Open: $0
Categories: American Express, Aeroplan
