American Express® AeroplanPlus® Card

American Express® AeroplanPlus® Card
American Express® AeroplanPlus® Card
  • Earn 1 Aeroplan Mile per $1 spent.
  • Receive Travel Accident Insurance up to $250,000.
  • Entertainment access perks via American Express Invites.
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Redeem your Aeroplan Miles and fly to over 190 countries and 1,300 destinations around the world.

30-second take

  • 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.
Product NameAmerican Express® AeroplanPlus® Card
RewardEarn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Welcome OfferOffers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
Purchase Interest RateN/A
Cash Advance RateN/A
Balance Transfer RateN/A
Interest Free Period Up to 31 days
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Annual Fee$60
Monthly Service FeeN/A
Over Credit Line Fee$29
Penalty APR30%
Dishonoured Payment Fee$25
Foreign Currency Conversion Fee2.5%
Cash Advance Minimum Fee$0.75 or 3% of the cash advance amount, whichever is greater
Late Payment Fee$25
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Credit RatingFair, Good, Excellent
Minimum AgeAge of majority in province/territory of residence
Minimum IncomeN/A
Household IncomeN/A
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The basics

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.

The perks

  • 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.

  • Purchase benefits.

    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

  • Annual fee.

    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.

Compare other American Express credit cards

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES® Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 AIR MILES® reward mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 AIR MILES® Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES® Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 150 AIR MILES® Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES® Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 AIR MILES® reward mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 AIR MILES® Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 150 AIR MILES® Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Offers 2,000 bonus AIR MILES® Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 AIR MILES® reward mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 3 points for every dollar spent on eligible gas, dining and travel.
Offers 30,000 bonus points when you spend $5,000 within the first three months of membership.
N/A
N/A
$250
Earn one point for every dollar spent and one additional point for every dollar spent at three eligible merchants of your choosing.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
N/A
N/A
$699
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
Receive 2,000 bonus AIR MILES® Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES® Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.

Compare up to 4 providers

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

  1. Click Go to site on this page to be directed to the American Express AeroplanPlus Card page, and click Apply Now Securely.
  2. Complete the application with information including your full name, home address, income source and total annual income.
  3. 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.

Bottom line

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.

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Frequently asked questions about the American Express AeroplanPlus Card

Pictures: americanexpress.com/ca

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