Amex Aeroplan Card Review Canada 2026
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The Amex Aeroplan Card is built for aeroplan collectors who want an amex with lower fee than cobalt. At 20/year on the American Express network, here is everything you need to know before applying.
Amex Credit Cards at a Glance
Why the Amex Aeroplan Card Stands Out
✓ What makes it worth it:
- Points earn directly into Aeroplan (no transfer needed)
- 30K bonus with low ,000 spend
- Lower fee than Cobalt (20 vs 56)
- Includes travel insurance
✗ What to consider:
- Amex Cobalt earns significantly more on food (5x vs 2x)
- 2.5% foreign transaction fee
- Amex acceptance limitations
- Cobalt is better value for most people
Verdict: Who Should Get This Card?
Honestly, Amex Cobalt is better for almost everyone. Cobalt earns 5x on food vs 2x here, and points transfer 1:1 to Aeroplan anyway. The only reason to choose this card: you want points deposited directly into Aeroplan without manual transfers, and you value the lower 20 fee. For more options, see our see all travel cards compared guide.
Ready to apply? Go directly to Amex:
APPLY ON AMEX →✓ Official Amex website | ✓ Secure application | ✓ Takes 5-10 minutes
What credit score do I need for the Amex Aeroplan Card? ▼
Standard Amex cards typically require a score of 650+. If your score is below that, consider a secured card first to build history.
Is the 20/year annual fee worth it? ▼
This card has no annual fee, so there is no break-even threshold. Any rewards you earn are pure profit.
Can I get the Amex Aeroplan Card as a newcomer to Canada? ▼
Amex has dedicated newcomer programs. If you have been in Canada less than 5 years, check their newcomer page for cards with relaxed eligibility.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change. Verify current details directly on the Amex website before applying.
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