Highlights

  • Eligible purchases charged directly with Air Canada and Air Canada Vacations earn 2 Aeroplan points; eligible Canadian dining and food delivery earn 1.5x.
  • On qualifying Air Canada, Air Canada Rouge or Air Canada Express flights, the Cardmember and up to eight companions on the same booking can each get a free first checked bag.
  • Every CAD 20,000 in eligible net purchases earns 1,000 Status Qualifying Credits (SQC), up to 25,000 SQC combined per Aeroplan member per year.
  • This is a Charge Card: there is no pre-set spending limit, but that is not unlimited spending. You must pay the statement balance in full each month.
American Express® Aeroplan®* Card

Issuer: Amex Bank of Canada
Network: Amex
Card type: Charge Card
Annual fee: CAD 120 for the Basic Card
Foreign transaction fee: Not disclosed by the bank in the audited official sources

Rewards are Aeroplan® points

Welcome offer

【August 28, 2026 update】 Up to 45,000 Aeroplan® points

  • Earn 35,000 Aeroplan points after CAD 7,500 in purchases in the first six months.
  • Earn another 10,000 Aeroplan points after CAD 1,000 in purchases during month 13.
  • New American Express® Aeroplan®* Cardmembers only. Current or former holders may be approved but are not eligible. You may also be ineligible if you previously received a welcome bonus or other incentive Aeroplan points on an Aeroplan Card of the same category from another issuer. The account must remain in good standing.
  • Interest, annual and other fees and cash-equivalent transactions do not count. Returns or refunds can mean a threshold is no longer met. Amex says to allow up to eight weeks after you earn the points for the Aeroplan account to update. Offers can change at any time.

Referral application link 🔗 (apply via the blog’s partner site to support the blog)

Past welcome offers

【January 2023 update】 50,000 Aeroplan miles

  • Earn 35,000 miles after $3,000 in purchases in the first six months
  • Earn 25,000 miles after $500 in purchases each month for six months, for 15,000 miles in total

Everyday earning

2x: Eligible purchases where Air Canada is the merchant (including Air Canada Vacations packages bought directly from Air Canada) earn 2 Aeroplan points per CAD 1. Air Canada tickets bought through another website, a travel agent (including American Express Travel), or another vacation-package merchant, plus Air Canada gift cards, Maple Leaf Club memberships, or hotel/car-rental bookings with another merchant on aircanada.com, are not in this category.

1.5x: Canadian restaurants, quick-service restaurants, cafés and bars, and food-delivery purchases whose primary business is food delivery in Canada, earn 1.5 Aeroplan points per CAD 1. Groceries are not in this category.

1x: Other eligible purchases earn 1 Aeroplan point per CAD 1. A merchant code not recognized in the categories above, a payment through a third-party payment account/service or mobile card reader, or an online retailer selling other merchants’ goods all earn 1x.

Interest, annual and other fees, cash-equivalent transactions, refunds and credits do not earn points. Points go to the Basic Cardmember.

Benefits and insurance

  • Free First Checked Bag

The Basic Cardmember or an eligible Supplementary Cardmember, plus up to eight companions on the same booking (nine people in total), can each check a first bag of no more than 23 kg / 50 lb at no extra charge when checking in for a flight operated by Air Canada, Air Canada Rouge or Air Canada Express. You must check in at a designated Air Canada counter before security. Gate-checked bags, check-in with another airline, or a first bag that is already free because of the fare or membership cannot be stacked or refunded after the fact. The Cardmember’s Aeroplan number must be linked to the Card and match the passenger name on the booking.

  • Pearson Priority Lanes

Eligible Canadian Basic/Supplementary Cardmembers and a reasonable number of companions on the same itinerary can request a one-time QR code at go.amex/yyz for Priority Lanes in designated departure areas at Toronto Pearson T1 and T3. All travellers still complete security and customs. The benefit can change or be cancelled.

  • Status Qualification Boost

From February 1, 2026, the Basic Cardmember earns 1,000 SQC for every CAD 20,000 in eligible net purchases that post. Each Aeroplan member can receive at most 25,000 SQC per calendar year across all eligible Aeroplan credit Cards and Charge Cards. Supplementary Card spend counts toward the Basic Cardmember’s threshold, but Supplementary Cardmembers cannot earn SQC on their own. Credits usually post within about a week after you reach a threshold.

  • Get a 4th Night Free

When you redeem Aeroplan points for at least four consecutive nights at a participating hotel on one confirmation number, the points for one of those nights are waived. This is not a standalone free-night certificate. The booking must be completed with points only on the designated Aeroplan hotel site. You cannot combine separate orders, and cash or cash-plus-points bookings do not qualify. Current terms run through December 31, 2026 (Eastern Time) unless extended. Hotel taxes and destination/resort fees may still be charged separately.

  • Aeroplan Points Expiry

Aeroplan points do not expire while the Basic Cardmember holds an American Express Aeroplan Card and the Aeroplan account is in good standing. Airline benefits no longer apply after the account is closed or the product is changed.

  • Amex Experiences™

You may be able to use selected Front Of The Line® Amex Presale Tickets™, Amex Reserved Tickets™ and offers in the Amex App / Online Services. Events, enrolment, eligible Cards, payment methods and deadlines follow the terms then in force.

Travel insurance

Official insurance certificate 🔗

  • Flight and Baggage Delay & Hotel Burglary Insurance

Canadian residents only. The full airfare or accommodation must be charged to this Card; if you redeem Aeroplan reward-programme points from this Card, the required taxes must also be charged to the Card. A missed connection, a flight delay of at least four hours, or denied boarding because of overbooking with no alternative within four hours of the original departure, may cover reasonable living expenses and sundries. If outbound checked baggage is delayed more than six hours after you arrive, you may be covered for essential clothing and sundries bought within four days of arrival. The combined flight- and baggage-delay limit is CAD 500 per occurrence. When accommodation is paid in full with this Card, personal property stolen in a hotel burglary during the stay is covered up to CAD 500 per occurrence. Where practicable, give written notice within 90 days of the incident.

  • Lost or Stolen Baggage Insurance

Canadian residents only. The full airfare must be charged to this Card, or redeemed with this Card’s Aeroplan reward-programme points with the required taxes charged to the Card. Checked or carry-on baggage lost or damaged during covered air transportation is covered up to CAD 500 combined per occurrence for all insured persons; jewellery up to CAD 300, golf clubs and bag up to CAD 250. Electronics, cameras, cash, business items and many other items are excluded. Where practicable, give written notice within 90 days of the incident.

  • Travel Accident Insurance

The common-carrier fare (for example air, rail, ship or bus) must be charged to an American Express Card account before the accident. When the account is billed in Canada, the Basic/Supplementary Cardmember, spouse and dependent children under 23 may qualify. Eligible accidental death or specified dismemberment is covered up to CAD 500,000 per insured person; the loss must occur within 100 days of the accident.

  • Car Rental Theft and Damage Insurance

Canadian residents only. Charge the entire rental to this Card, or pay with this Card’s Aeroplan reward-programme points and charge the required taxes to the Card, and decline the rental company’s CDW/LDW. It applies to eligible cars, SUVs or minivans with an MSRP below CAD 85,000 excluding tax, for a consecutive rental of no more than 48 days. It can cover theft, loss, damage and eligible loss-of-use charges, with no deductible. It does not include third-party liability. Report an accident within 48 hours and submit the required documents within 45 days.

The current certificate for this Card does not include out-of-province/country emergency medical, trip cancellation, trip interruption or trip delay insurance.

Purchase insurance

  • Buyer’s Assurance® Protection Plan

Canadian residents only. When you charge the full price of an eligible new item for personal use or as a gift to this Card, a complimentary original manufacturer’s warranty that is valid in Canada or the United States and lasts no more than five years can be extended by the length of the original warranty, up to one additional year. The limit is CAD 10,000 per item and CAD 25,000 combined per Cardmember per policy year for all occurrences. Business use, inventory/resale goods, jewellery and many motor vehicles or consumable goods are excluded. Report a breakdown within 45 days and submit the required documents within 60 days.

  • Purchase Protection® Plan

Canadian residents only. When at least part of an eligible new item for personal use is charged to this Card, you may have worldwide supplementary coverage for direct physical damage or theft within 90 days of purchase, up to CAD 1,000 per Cardmember per occurrence and not more than the amount charged to the Card. Gifts can also be covered. Business items, mysterious disappearance/loss, normal wear, cash and gift cards are among the exclusions. Report theft or damage within 48 hours, give written notice within 45 days where practicable, and submit documents within 90 days.