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⭐️ Should You Get the American Express® Aeroplan® Reserve Card?

⭐️ Should You Get the American Express® Aeroplan® Reserve Card?

Brianna Harrison
December 13, 2025

In This Issue:

💳 Explore Our New Stackable Offer

⭐️ American Express® Aeroplan® Reserve Card. Should You Get It?

🛫 Chexy Deals: Business Class to Europe + Asia from YYZ, YUL, & YVR

Explore our ⭐ American Express® Special Offer

If you’re using an eligible American Express® Card, you may notice something extra this season.

How to book business class flights with the Amex Aeroplan Reserve? Let’s dive in

If you travel frequently, the American Express Aeroplan Reserve card is worth checking out. While it carries a high annual fee, the card comes with premium travel perks, comprehensive insurance coverage, and a strong points-earning structure that can more than offset the cost for frequent flyers.

In this Amex Aeroplan Reserve card review, we’ll break down everything you need to know about the card, including its benefits, lounge access, and insurance, as well as how it stacks up against other top-tier cards.

Amex Aeroplan Reserve Card: An Overview

$599 annual fee
$199 for each additional card
21.99% interest rate for purchases and cash advances
Earn 3x points on Air Canada purchases, 2x points on dining & food delivery, & 1.25x points on everything else
Welcome bonus of up to 85,000 points (you may see different offers)
Exceptional travel and Air Canada benefits
Comprehensive insurance coverage

American Express Aeroplan Card Benefits

The Amex Aeroplan Reserve offers many benefits, from lounge access and insurance to a hefty welcome bonus:

Points Earning

With the Amex Aeroplan Reserve, you can earn:

3x Aeroplan points on Air Canada purchases
2x Aeroplan points on dining & food delivery
1.25x Aeroplan points on everything else (including Chexy payments)

Points don’t expire, and you can earn twice the points if you shop at the Aeroplan eStore.

Welcome Bonus

As of October 2025, you can earn up to 85,000 bonus Aeroplan points with the welcome offer:

Earn 60,000 Aeroplan points after spending $7,500 on your card within the first 3 months
Earn 25,000 Aeroplan points when you spend $2,500 in month 13

Reaching the minimum spend thresholds can be tough if you’re only using the card for everyday purchases. By putting larger expenses like rent, bills, or tuition on your card through Chexy, you can hit those thresholds much faster.

Travel Benefits

Besides the strong Aeroplan points-earning potential, the travel benefits are what justify this card’s hefty annual fee. With the Amex Aeroplan Reserve, you’ll enjoy:

A free first checked bag (for you and up to 8 companions)
4th night free for every 3 hotel nights redeemed with Aeroplan points
An Annual Worldwide Companion Pass (when you spend $25,000 on your card within 12 months)
Priority airport check-in, boarding, baggage handling, & standby with Air Canada
Access to Air Canada Maple Leaf Lounges and Air Canada Cafes in North America
A free Priority Pass membership
Reach Aeroplan Elite Status faster (earn 1,000 SQM & 1 SQS for every $15,000 spent)
An extra 12 months to use eUpgrade credits
Priority perks at Toronto Pearson Airport
Savings with Avis car rentals
Comprehensive insurance

Amex Aeroplan Reserve Lounge Access

Within North America, you and a guest can access select Maple Leaf Lounges and Air Canada Cafes with a same-day ticket on a departing Air Canada or Star Alliance flight.

Some notable Maple Leaf Lounges we think are worth checking out: Montreal (YUL), Calgary (YYC), St. John’s (YYT). See more of our thoughts in this blog.

The Aeroplan Reserve also comes with worldwide airport lounge access through a complimentary Priority Pass membership. Keep in mind, though, that while the membership fee is covered, individual lounge visits still come at the standard rate.

For frequent travellers who value the flexibility of lounge access, this can be a useful perk. But for those expecting unlimited free entry, it may feel a little underwhelming.

Amex Aeroplan Reserve vs Other Travel Credit Cards

Amex Aeroplan Reserve vs Platinum

The main differences between the Amex Platinum and Reserve are:

Higher annual fee of $799
Earn up to 100,000 points with the welcome bonus
Earn Amex Membership Reward points rather than Aeroplan points (however, they transfer to Aeroplan at a 1:1 ratio)
Earn 1x rather than 1.25x the points on most purchases
Get a $200 annual travel credit and $200 annual dining credit
Access the Amex Global Lounge Collection
Better Hotel Status Benefits with Hilton Honors and Marriott Bonvoy

Where Can Your Aeroplan Points Take You?

Let’s look at a real example of how quickly Aeroplan points can add up with the Amex Aeroplan Reserve Card and Chexy:

You pay $3,000 every month in rent and bills with Chexy
With the 1.75% fee, that’s $3,052.50 per month, or $36,630 over one year
That’s 36,630 Aeroplan points, just from paying your biggest expenses.

Add in the current welcome bonus of 95,000 points, and you’re sitting at over 131,000 Aeroplan points in your first year without changing your spending habits.

What does that get you?

A round-trip business class flight to Europe

Multiple one-way economy class flights to Europe

Up to four round-trip economy flights within North America, depending on your route

Take a look at Air Canada’s flight reward chart to see exactly how far your points can take you.

How to Maximize the Amex Aeroplan Reserve with Chexy

The Amex Aeroplan Reserve is powerful on its own, but pairing it with Chexy unlocks even more value. Instead of limiting your points earning to everyday purchases, Chexy lets you put big expenses, like rent, tuition, taxes, and bills, on your credit card.

That means more Aeroplan points on the spending you’re already doing. Currently, you can also earn up to 5,000 bonus Aeroplan points* with our latest offer.

If you’re looking to fast-track your next trip, this is one of the easiest ways to supercharge your Aeroplan points balance.

Is It Worth It?

The Amex Aeroplan Reserve Card is undeniably premium, with a high annual fee to match.

If you’re a frequent traveller, you’ll get a lot of value out of this card: extensive travel insurance, priority airport perks, lounge access, and a strong points-earning structure and welcome offer for new cardholders.

On the other hand, if you don’t travel often or rarely fly with Air Canada, the benefits may not outweigh the cost. In that case, you may want to consider a lower-fee Aeroplan card or a more flexible rewards card.

Ultimately, if you value travel perks and want to maximize every dollar spent (especially on big expenses through Chexy), the Amex Aeroplan Reserve is more than worth it.

Get started with Chexy today to start earning American Express Aeroplan points on your biggest expenses.

Check out these awesome deals you definitely don't want to miss if you're thinking about travelling in the next few months!

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