American Express® AeroplanPlus®* Card Review
By: Heather Hanks Jun. 25, 2019
American Express® AeroplanPlus®* Cards are available to make all of your travels an exciting experience. Each card has different levels of benefits depending on your needs. The American Express® AeroplanPlus®* Card is our top pick for a basic rewards card that is affordable yet still provides great benefits.
If you’re not a heavy traveler but still fly more than most, than this card is perfect for you! You’ll earn 5,000 Aeroplan miles just by signing up. You’ll also earn points every time you fly. These points can be redeemed for travel benefits. Here is our American Express® AeroplanPlus®* Card Review.
Overall Rating
What is the American Express® AeroplanPlus®* Card?
The American Express® AeroplanPlus®* Card is a charge card designed to help you redeem points that you earn while flying Air Canada. It’s a rewards card for those who travel and want to receive travel perks, such as cash toward hotel stays, car rentals, and more. Of all the American Express® AeroplanPlus®* Card offered, this one is the most basic. It isn’t a bad thing! You won’t receive as many travel perks, but you also won’t have to pay as much for it!. This card is designed to suit the needs of someone who travels more than most but doesn’t want to pay a hefty annual fee.
The American Express® AeroplanPlus®* Card annual fee is $60. This is very affordable compared to other cards that require you to may as much as $899 per year. Keep in mind that the American Express® AeroplanPlus®* Card is a charge card and not a credit card. This means you’ll have to make every monthly payment in full. Late payments are subject to high interest rates. It’s a good idea to make payments on time no matter what card you have to help boost your credit. This is a good habit to get into.
In addition to a low annual fee, the American Express® AeroplanPlus®* Card offers several key benefits. Here are some:
How Does American Express® AeroplanPlus®* Card?
American Express offers several different tiers of travel cards. The American Express® AeroplanPlus®* Card is the most basic, but it’s also the most affordable. Here is how it works. Every time you travel, use your American Express® AeroplanPlus®* Card to make purchases. You can use it to pay for your hotel expenses, car rental, dining, and more. Each time you use the card, you’ll earn Aeroplan points. You can redeem these points for more perks that can be applied to your travel expenses.
Here is a summary of rewards you’ll get from using your card:
Access to over 1,300 travel destinations and 190 countries all over the world (when flying Air Canada and its affiliates only)
You’ll be enrolled in Aeroplan’s Fixed Mileage Flight Rewards program to help you build points when you fly Air Canada (points depend on where you fly and what class your seats are in)
You’ll get 250,000 in travel accident insurance (including travel emergency assistance, buyer’s assurance protection, and purchase protection plan)
You’ll become enrolled in Aeroplan's Market Fare Flight Rewards so that you can sit in any available seat when you fly Air Canada, Air Rouge, and Air Canada Express
You’ll earn a cool entertainment package including special offers and experiences for card holders (also enjoy special access to events)
Fraud protection guarantee
Ability to manage your account online
24/7 customer service available
Emergency card replacements
You’ll get front of the line access to flights, reserved tickets, E-updates, and more
What You Get
For only $60 per year, the American Express® AeroplanPlus®* Card lets you rack up points when you use your card to make travel purchases. We recommend using it to pay for flights, hotels, car rentals, dining and more. Every time you use the card, you’ll earn points. These points can be redeemed and put toward more travel purchases, including flights, car rentals, and food.
You’re also welcome to purchase an additional card for $20 and give it to your family member or friends. This can help you rack up points faster! Keep in mind that although your friends and family can help you get more points, you are ultimately responsible for the card. Be sure to make all payments in full each month to avoid high interest rates. Here are some pros and cons of using the American Express® AeroplanPlus®* Card.
American Express® AeroplanPlus®* Card PROS
American Express® AeroplanPlus®* Card CONS
How To Apply American Express® AeroplanPlus®* Card
To apply, you must visit the American Express website. You can apply online and the application only takes a few seconds. The website states that you will receive an answer within 60 seconds. You will know immediately whether you’re approved!
The nice thing about a charge card is that you don’t need a strong credit history to apply. American Express may still take into account your credit score when approving you. You will need to be at least 18 years old and a permanent resident of Canada to apply.
Once you agree to these terms, you will be asked to provide your name, email address, date of birth, and social security number. The website states that you will know whether or not you’re approved within 60 seconds.
Before you apply, American Express will make sure you agree to the following terms and conditions:
There is no interest on monthly payments; however, all late payments will be subject to a 30% interest rate.
Payment is due six days before the closing date to allow for processing (you may be able to work with American Express to see if they can adjust this date if it does not work for you!)
You have an interest-free grace period that lasts up to 31 days from the closing date of the current month to the closing date of the next month; the exact date will depend on the number of days in the calendar month
Annual fees for basic cards are $60 and $20 for additional cards up to nine cards
Foreign currency exchange rate is 2.5%
Other fees include a funds advance of 3% of the amount of each funds advance or $0.75, whichever is lower; Dishonored payments are $25 each
The above review of the American Express® AeroplanPlus®* Card is solely based on the opinion of Creditnervana. It’s our opinion that the American Express® AeroplanPlus®* Card is ideal for someone who travels often but doesn’t consider themselves a heavy traveler. If you are, then we recommend going with the Aeroplan Platinum or Reserve cards. These cards will cost more money upfront, but you’ll make your money back with the rewards you receive.
One thing that the American Express® AeroplanPlus®* Card lacks is an annual ticket for a friend. Higher tiers of American Express cards allow you to redeem some of your miles for a ticket for your friend or family member. The ticket must be for someone with the same itinerary as you and the destination must be short, roundtrip.
We recommend the American Express® AeroplanPlus®* Card for the basic traveler. There is a $60 annual fee and you must pay in full each month. This is a charge card and not a credit card. All late fees are subject to a 30% interest rate. We recommend that you make sure each payment is made in full each month to prevent this interest rate!
You’ll receive awesome perks that other credit cards can’t provide, such as the front of the line access to many events. You’ll also be able to sit in any available seat when you fly Air Canada or on one of its partner flights. Earn twice the points when you use your card on purchases made with Air Canada or its partners. Fly to over 1,300 destinations in 190 countries around the world.
Ready to Apply?
Apply for the American Express® AeroplanPlus®* Card now and get a response in 60 seconds
Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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