American Express Air Miles Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
19.99
Balance Transfer
22.99 (1.99% for the first 6 months)
Rewards
1 Mile
Signup Bonus
500 miles (after spending $500)


Am I eligible?


American Express Air Miles Credit 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 $15000.

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...


Money We Have

If you’re going to collect AIR MILES, you likely shop a lot at partner retailers which means it’s likely a better value for you to sign up for an AIR MILES card that gives you better rewards. That being said, for a no-fee card that earns you AIR MILES, it’s not bad.

- Barry Choi, Money We Have
LowestRates.ca

The American Express Air Miles Credit Card is a good travel rewards card for the beginner. The barrier to entry is very low: there’s no annual fee and a low income requirement.

- Alexandra Bosanac, LowestRates.ca

Details


Interest Rates
Regular APR Interest Rate 19.99%
Balance Transfer Interest Rate 22.99% (1.99% for the first 6 months)

Intro rate is optional

Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Maximum

Cash Advance Fee $2.75


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 $29.00
Late Payment Fee $0.00
Promotions
Sign up bonus 500 miles after spending $500

On purchases within the first 3 months.

Rewards
All Purchases 1 mile for $20 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 1 mile for $15 spent on purchases made at AIR MILES Sponsors.
  • Shop at participating AIR MILES Sponsors across Canada with your Card and your AIR MILES Collector Card, and you can earn reward miles twice.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance No
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
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 $15,000 per year


Temporary Residents No
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Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


Money We Have

Decent sign up bonus and a respectable earnings rate

from Money We Have

If you’re going to collect AIR MILES, you likely shop a lot at partner retailers which means it’s likely a better value for you to sign up for an AIR MILES card that gives you better rewards. That being said, for a no-fee card that earns you AIR MILES, it’s not bad.

Read full review

If you’re going to collect AIR MILES, you likely shop a lot at partner retailers which means it’s likely a better value for you to sign up for an AIR MILES card that gives you better rewards. That being said, for a no-fee card that earns you AIR MILES, it’s not bad.

Read full review

Less

LowestRates.ca

Ranked highly when it comes to travel rewards

from LowestRates.ca

The American Express Air Miles Credit Card is a good travel rewards card for the beginner. The barrier to entry is very low: there’s no annual fee and a low income requirement.

Read full review

The American Express Air Miles Credit Card is a good travel rewards card for the beginner. The barrier to entry is very low: there’s no annual fee and a low income requirement.

Read full review

Less

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