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American Express® AeroplanPlus® Platinum Card review

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Advertiser Disclosure

Annual Fee
$499.00
Interest Rate: Purchases
30%
Interest Rate: Purchases
30%
Balance Transfer
-
Balance Transfer
-
Rewards
1.25 Miles
Rewards
1.25 Miles
Signup Bonus
40000 miles (after spending $3,000)
Signup Bonus
40000 miles (after spending $3,000)


8/10
Informr score
The American Express® AeroplanPlus® Platinum Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


American Express® AeroplanPlus® Platinum Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $40000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


PointsWise
PointsWise

If you’re new to travel rewards programs in Canada, then think of this Card as an investment. The welcome bonus of 40,000 Aeroplan miles itself alone justify the cost of the annual fee, and with little effort, you’ll be able to redeem them for a couple short haul flights, or one long haul flight. Wi...

- Britt, PointsWise
creditcardGenius
creditcardGenius

This card is worth it if you’re a big spender, want unfettered access to the Maple Leaf Lounge, or just want the sign up bonus* (up to 40,000 miles) that is worth about $1,000 in economy long haul flights within Canada and the USA.

- creditcardGenius
GreedyRates.ca
GreedyRates.ca

he great thing about American Express is that it doesn’t have ANY minimum income requirements, unlike the super-premium Mastercard and Visa credit cards, which require $200,000 of annual income. 

- GreedyRates Team, GreedyRates.ca

Details


Interest Rates
Regular APR Interest Rate 30%

Interest rate only applies to balances not paid in full.

Balance Transfer Interest Rate

No interest charges because you pay your balance in full each month

Cash Advance Interest Rate

No interest charges because you pay your balance in full each month

Rates & Fees
Annual Fee $499.00
Balance Transfer Fee
Cash Advance Fee 3%

Minimum of $0.75

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee
Late Payment Fee
Promotions
Sign up bonus 40000 miles after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1.25 miles for $1 spent (on first $25000 spent)

1.5 miles for every $1 spent in purchases over $25,000 annually.

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders

$199 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards No
Additional Benefits
  • Priority Check-in
  • Access to the Air Canada Maple Leaf Lounge
  • Access to over 1,200 lounges worldwide
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at Pearson Airport
  • Access to the Fairmont President's Platinum Club membership when you enroll and stay any 5 nights in the same calendar year – enjoy one complimentary night, room upgrades and $100 USD in Fairmont dining certificates and more.
  • Annual partner ticket benefit
  • Trip Cancellation/Interruption Insurance
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost/Stolen Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Emergency Card Replacement
  • Travel medical insurance
  • American Express Invites benefits
Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $40,000 per year
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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