Emma Balmforth is an Associate Editor at Finder. She is passionate about cryptocurrency, credit cards and loans, and enjoys helping people understand the often confusing world of finance. Emma has a degree in business and psychology from the University of Waterloo. She wants to help people make financial decisions that will benefit them now and in the future.
Get this card if you travel frequently and actively use and redeem Aeroplan Miles.
Pick something else if you don’t pay your card balance in full each month or don’t want to pay an annual fee.
Apply with a good to excellent credit score of 650 or higher.
The American Express AeroplanPlus Card lets you earn 1 Aeroplan Mile for every dollar spent on purchases and twice the Aeroplan Miles when you use your card at over 150 Aeroplan partner brands. If you’re an avid traveller who already redeems Aeroplan Miles, this card can help you get around the world by reaping the rewards from your credit card spending.
Keep in mind this card is a charge card, which means you must pay off your credit card balance in full each month. The card also comes with an annual fee of $60.
Aside from earning Aeroplan Miles, this card provides a host of travel and shopping insurances, which can give you peace of mind when you’re spending money around the world.
5,000 Bonus Aeroplan Miles welcome offer.
To receive the 5,000 Bonus Aeroplan Miles welcome offer, you will need to be a new cardholder and spend $500 in purchases during your first three months of card membership.
Earn twice the Aeroplan Miles.
Earn twice the miles when you use your American Express AeroplanPlus Card and provide your Aeroplan number at over 150 Aeroplan Partner stores. Fly to over 190 countries and 1,300 destinations through Air Canada and American Express’ global partner airlines by using your Aeroplan Miles.
Access to experiences.
Gain access to advance tickets for concerts, shows, fashion, dining, shopping and travel experiences through American Express Invites.
You’ll also like …
Travel insurance coverage.
Receive Travel Accident Insurance up to $250,000 and Travel Emergency Assistance which provides 24/7 out-of-town medical and legal referrals.
Buyer’s assurance doubles the manufactures warranty (up to one year) when you use your American Express AeroplanPlus Card to purchase the item. Your eligible items are also covered against theft and accidental damage with Purchase Protection.
Exclusive American Express perks.
American Express offer a range of opportunities to cardholder-only experiences and preferred seating at select events. You can enjoy entertainment access to concert, theatre, film, dining, shopping, fashion and travel perks through American Express Invites.
What to watch out for
The card’s annual fee is $60. However, if you use the rewards and perks, you may find the annual fee pays for itself.
It’s a charge card, not a credit card.
The American Express AeroplanPlus Card is a charge card, which means you must pay your balance in full each month.
Not as widely accepted overseas.
Compared to Visa and Mastercard, American Express is much less widely accepted in locations across Canada, the US and around the world. This might provide you with less opportunity to use the card, and therefore less opportunity to reap the rewards.
It hurts to pay late.
If you pay off your balance late, you will incur a steep APR interest rate. Additional fees and charges may occur, such as a dishonoured payment fee of $25.
Consider other cards if …
You want cash back.
If you’re looking to reap the benefits of cash back, you may want to consider a cash back rewards card. These types of cards typically offer anywhere from 1-3% cash back on purchases. If you spend frequently on gas, groceries and dining out, a cash back rewards card may be more beneficial for you than a travel rewards card.
You don’t want to pay an annual fee.
The American Express AeroplanPlus Card comes with a $60 annual fee. If paying an annual fee this high is not in your best interest, consider other types of travel or rewards cards with lower, or even $0, annual fees.
You don’t pay off your balance in full each month.
Since the American Express AeroplanPlus Card is a charge card, you will be required to pay off your balance in full each month. If you find that you often carry a balance on your credit card and you don’t want the added stress of paying it off each month, you may find that a regular credit card is a better fit.
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What should I know before I apply?
To apply for the American Express AeroplanPlus Card, you must be:
At least 18 years old, or the age of majority in your province or territory.
A Canadian citizen or permanent resident with a valid Canadian credit file.
What credit score do I need?
You’ll have a better chance of approval if you apply with a good to excellent credit score of 650 or higher. In addition to having a good credit score, a relatively high annual income or combined household income may be beneficial for approval.
Here are a few other factors that might affect your odds of approval:
Hard inquiries on your credit report. If you have several hard pulls on your credit history, it could indicate to a provider that you’re desperate for credit or have trouble managing your debt. As a result, the provider may be less likely to approve your application.
Factors that tie into your credit score. Your credit utilization ratio can play a major factor in your approval. Customers who have low balances relative to their credit limits are usually preferable to providers.
What do customers say about this credit card?
Customers that have the American Express AeroplanPlus Card say positive things about it, citing that the card has good insurance benefits and a good point to dollar earning ratio. In addition, many customers have praised the customer service team for their prompt responses.
On the flip side, some negative reviews cite inflexible company policies and a dislike for the high annual fee for the card.
How to apply for the American Express AeroplanPlus Card
Click Go to site on this page to be directed to the American Express AeroplanPlus Card page, and click Apply Now Securely.
Complete the application with information including your full name, home address, income source and total annual income.
Review and submit your application.
How long will it take to get my American Express AeroplanPlus Card?
Pre-approval for an American Express credit card is automated on the website, which means you may get a decision on your application within just 30 seconds. If there are issues with your application, it may take a few days or even weeks to hear back.
Once your application has been approved, you’ll typically receive your card in the mail within 5 to 10 business days.
I got the card. Now what?
Make timely repayments. Register for an account on the American Express website to pay your balance online and enroll in autopay. Since the American Express AeroplanPlus Card is a charge card, you will need to pay off the balance entirely each billing cycle. If the balance is not paid in full, a APR will apply.
Avoid fees. Late and returned payments will incur fees, so be sure to pay on time. If you’re enrolled in autopay, be sure to have enough funds in your account to pay off your balance each billing cycle.
Get help. If you’re not able to find what you need on the American Express Canada website, call 1-800-243-0198 for customer service.
The American Express AeroplanPlus Card lets you earn Aeroplan rewards points, which can be used toward flights, hotels, gifts cards, merchandise and experiences. If you’re an avid traveller, you can double the Aeroplan points you get by using this card alongside your Aeroplan number.
However, if you’re used to using a credit card, a charge card may be a difficult switch since you’ll need to pay off your balance in full each month. If this isn’t a compromise you’re willing to make, consider looking at other rewards credit cards.
Frequently asked questions about the American Express AeroplanPlus Card
There is an extensive list of Aeroplan partners including Air Canada, Budget, United Airlines, Turkish Airlines, Lufthansa, Amazon, Ebay, Chapters and many more which you can check out on the official website.
In Canada, American Express is the only major provider that offers charge cards.
Yes, most credit cards offered by American Express do, however the offers differ as well as the annual fees of each card. Many other credit card providers offer welcome bonuses too with less steep annual fees.
You’ll receive your points about 12 weeks after you reach the spending threshold.
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