Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.
Get this card if you want a strong Aeroplan Mile earn ratio.
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 Gold Card rewards your everyday spending. Aside from earning Aeroplan Miles, this card provides an extensive suite of travel insurance, which can give you peace of mind when you’re travelling around the world.
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 $120. Get 2 free AeroplanPlus Gold Cards and rack up Aeroplan Miles faster.
Welcome bonus offer.
Earn 15,000 bonus Aeroplan Miles after spending $1,500 in the first 3 months
Earn Aeroplan Miles.
Earn 1 Aeroplan Mile for every $1 you spend up to a maximum of $10,000, and earn 1.25 Aeroplan Miles for every $1 spent over $10,000 per year
An extensive suite of travel insurance.
Get access to a suite of travel insurance including Flight Delay, Baggage Delay, Lost or Stolen Baggage, Hotel/Motel Burglary, Travel Accident, Car Rental Theft and Damage and Travel Emergency Assistance.
You’ll also like …
Aeroplan Mile flexibility.
If redeeming your Aeroplan Miles for flights isn’t on your mind, you can also redeem them for hotel stays, vacation packages, car rentals, experiences, merchandise and more.
Get 2 free AeroplanPlus Gold Cards and rack up Aeroplan Miles faster.
Buyer’s assurance doubles the manufactures warranty (up to one year longer) when you use your American Express credit 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 offers a range of opportunities to cardholder-only experiences and preferred seating at select events. You can enjoy concert, theatre, film, dining, shopping and travel perks.
What to watch out for
The card’s annual fee is $120. However, if you use the rewards and perks, you may find the annual fee is worth the expense.
It’s a charge card, not a credit card.
The American Express AeroplanPlus Gold Card is a charge card, which means you must pay your balance in full each month. If you don’t, you’ll be subject to a APR on the balance.
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.
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 1-5% 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 Gold Card comes with a $120 annual fee. If paying an annual fee this high is not in your best interests, 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 Gold Card is a charge card, you will be required to pay off your balance in full each month. Otherwise, you will be charged with APR to balances not paid in full. 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 for your needs.
To apply for the American Express AeroplanPlus Gold Card, you will need to:
Be at least 18 years old, or the age of majority in your province or territory.
Be a Canadian citizen or a permanent resident.
Have 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 Gold Card say generally positive things about it, citing that it’s one of the most competitive Aeroplan Miles cards on the market. In addition, it boasts a helpful range of benefits including extensive travel insurance and access to American Express perks like advanced ticket access.
On the other hand, the annual fee for the card is steep and some customers cite that the rewards are restrictive. In addition, many customers state that American Express have inflexible company policies, however customers also say that the customer service team is prompt and helpful.
How to apply for the American Express AeroplanPlus Gold Card
Head to the American Express website, navigate to the American Express AeroplanPlus Gold Card page and click the Apply Now button.
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 Gold 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?
Pay off your full balance every billing cycle. Register for an account on the American Express website to pay your balance online and enroll in autopay. Since the American Express AeroplanPlus Gold 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 to speak to a customer service representative.
The American Express AeroplanPlus Gold Card is an ideal card if you travel frequently and want to reap the rewards from your everyday spending. However, the benefits and perks of the card are only worth the steep annual fee if you use them.
If you’re also used to carrying a balance from month-to-month on your card, you may struggle with paying off the balance each month since the American Express AeroplanPlus Gold Card is a charge card. If this is the case, you may find a regular credit card is better suited to your needs.
Frequently asked questions about the American Express AeroplanPlus Gold Card
There is an extensive list of Aeroplan partners including Air Canada®** and its global network of partner airlines, Amazon, Ebay, Chapters and many more which you can check out on the official website.
Aeroplan Miles expire if you have not accumulated or redeemed any points within a 12 month period.
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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