Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
American Express Aeroplan Reserve Card
Our take: strongest for dining — about 4% back in value (est.) for $599 a year, plus a welcome bonus we value at roughly $1,700.
#2 Lounge access#3 Restaurants#8 Travel
- Goes straight to American Express
- No cost to you
- Our review
The personal Aeroplan Reserve Card is Amex’s premium Air Canada travel card: Maple Leaf Lounge access, a companion pass, and accelerated Aeroplan earning on Air Canada, dining, and Hyatt spend, for a $599 annual fee. It’s built for frequent Air Canada flyers who’ll use the lounge access and status perks regularly.
MoneyMint rating
#2 of 10 premium travel cards · How we rate
≈ $1,761
estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →
Not Sure? Three Cards People Compare It With
TD Aeroplan Visa Infinite Privilege Card
Pick this instead if most of your spending is groceries (~3% est.).
Fee $599Rating 4.8 ★Bonus $2,000
American Express Aeroplan Business Reserve Card
Pick this instead if most of your spending is travel (~4% est.).
Fee $599Rating 4.2 ★Bonus $1,800
American Express Aeroplan Reserve Card
Best for dining · $599/year · ~$1,700 welcome bonus (est.)
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by American Express and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the American Express Aeroplan Reserve Card?
The American Express Aeroplan Reserve Card has an annual fee of $599/year; $199/year per additional card.
What is the rewards rate on the American Express Aeroplan Reserve Card?
The American Express Aeroplan Reserve Card offers: 3 points/$1 on Air Canada and Air Canada Vacations; 2 points/$1 on dining and food delivery in Canada; 2 points/$1 at participating Hyatt hotels; 1.25 points/$1 on everything else — no published earning caps found on any tier
Does the American Express Aeroplan Reserve Card have a welcome bonus?
Up to 85,000 Aeroplan points 60,000 points after $7,500 in spend in the first 3 months, plus 25,000 points after $2,500 in spend in month 13.
What credit score do I need to qualify for the American Express Aeroplan Reserve Card?
Generally, you’ll want an excellent credit score to be considered for the American Express Aeroplan Reserve Card. Approval also depends on income and overall credit history, not credit score alone.
Does the American Express Aeroplan Reserve Card charge foreign transaction fees?
2.5%