Illustration, not the actual card design.
Amex · Earns Aeroplan points
American Express Aeroplan Card
Annual fee
$120
Welcome offer
Up to 45,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $7,500 in your first 6 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$410
+$350 welcome bonus
+$180 yearly credits
−$120 fee
Year 2
$160
+$100 welcome bonus
+$180 yearly credits
−$120 fee
Every year after
$60
+$180 yearly credits
−$120 fee
Plus 12 benefits with no fixed dollar value, like 4th Hotel Night Free, Preferred pricing on Aeroplan flight rewards and Flight Delay Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. If you have or have had this card, Amex may still approve you, but you won't get the offer. You may also not get it if you have already received Aeroplan welcome points for a card of this type from another issuer. Requires Canadian residency and a Canadian credit file.
45,000 points: worth $450 at 1¢ a point, or up to $900 on travel (2¢ a point). How that works
- 1Spend $7,500 in your first 6 months35,000 pts≈ $350 est.Year 1
- 2Spend $1,000 in month 1310,000 pts≈ $100 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Aeroplan points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Air Canada | 2 pts per $ | 2¢ |
| Dining & Restaurants | 1.5 pts per $ | 1.5¢ |
| Hyatt Hotels | 1.5 pts per $ | 1.5¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks
- Free First Checked Bag$180/yr
Air Canada, Rouge and Express flights: first checked bag (23 kg) free for you and up to 8 companions on one booking; valued at $180 a year (2 people, 1 round trip)
Worth about $45 per bag, each way · Air Canada's price, Economy Basic or Standard fare, within Canada and to or from the U.S., before tax (Flex fares include one free), checked Oct 2026
- 4th Hotel Night Free
One extra night free for every 3 hotel nights redeemed with Aeroplan points at participating properties
Every booking - Preferred pricing on Aeroplan flight rewards
Preferred pricing on Aeroplan flight rewards
Insurance · 8
- Flight Delay Insurance
Meals, lodging and essentials when a flight is delayed 4+ hours or boarding is denied, up to $500 combined with baggage delay
- Baggage Delay Insurance
Emergency clothing and essentials when checked bags are 6+ hours late, up to $500 combined with flight delay
- Lost Baggage Insurance
Checked or carry-on bags lost or damaged in transit, up to $500 per trip for all insured persons
- Car Rental Theft and Damage Insurance
Theft, loss or damage to a rental car with MSRP up to $85,000, rentals of 48 days or less
Show all 8Show fewer
- Hotel Burglary Insurance
Personal items stolen from a broken-into hotel room, up to $500 (cash excluded)
- Travel Accident Insurance
$500,000 accidental death and dismemberment when common carrier tickets are fully charged to the Card
- Purchase Protection
Accidental damage or theft of eligible items for 90 days from purchase, up to $1,000 per occurrence
- Extended Warranty
Extends the manufacturer's warranty by up to 1 extra year on eligible new items charged in full to the Card
Status
- Aeroplan Elite Status Boost
1,000 Status Qualifying Credits per $20,000 in eligible net purchases, up to 25,000 a year
- Avis Preferred Plus Status
Complimentary upgrade to Avis Preferred Plus
Enroll first
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PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Amex. Card and program names belong to their owners.
Details last checked Sep 28, 2026.