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Use our Best Rewards Credit Card Finder Tool to find the highest credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter.
Use our Best Rewards Credit Card Finder Tool to find the highest business credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly expenses you enter.
Calculate the transfer of points and miles between various loyalty programs worldwide and find out which credit card partners will earn you the most rewards.
This card is not available through The Point Calculator.
Earning Rates
Earn 3X points on eligible Air Canada and Air Canada Vacations purchases.
Earn 2X points on eligible dining and food delivery purchases in Canada.
Earn 1.25X points on all other purchases.
Intro Bonus
Refer to American Express for the most up to date intro bonus.
Main Benefits
Earnable worldwide companion pass, lounge access, the ability to earn status faster via card spend, priority perks, free checked bag, and travel & purchase coverage.
Rewards Details
Based on our valuations, Aeroplan Points earned with the AMEX Aeroplan Reserve Card are worth an average of 2 cents each. This means that 10,000 points has a rough cash value of $200 when used for award flights with Air Canada and their partners.
Our Take
If you frequently fly Air Canada and want access to a bunch of benefits, the American Express® Aeroplan® Reserve Card is the perfect choice.
Ads & Promos
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The American Express Aeroplan Reserve Card earns Aeroplan points at the following rates:
3 points per $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations.
2 points per $1 spent on eligible dining and food delivery purchases in Canada.
1.25 points per $1 spent on everything else.
Rewards Value
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Perks & Benefits
Here are the main benefits of the American Express Aeroplan Reserve Card:
Annual Companion Pass: Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date. This pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
Priority Services: You and up to eight companions traveling on the same reservation can enjoy Priority Airport Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada.
Air Canada Lounge Access: Enjoy access to Maple Leaf Lounges in North America and the Air Canada Café for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance® flight.
Priority Pass: Receive access to Priority Pass lounges around the globe, regardless of your choice of airline or cabin class.
First Checked Bag Free: You and up to eight companions traveling on the same reservation will all enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
Earn Status Easier: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card and roll over up to 200,000 unused Status Qualifying Miles (SQMs) from the prior qualification year to qualify for status the following year.
Avis® President’s Club: Aeroplan and Avis are pleased to offer complimentary upgrade to Avis President’s Club with your eligible American Express® Aeroplan® Reserve Card.
4th Night Free: As an American Express® Aeroplan® Reserve Cardmember, receive an extra night free for every 3 hotel nights redeemed with Aeroplan points. This offer ends December 31, 2024.
NEXUS Credit: Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Out-of-province/Country Emergency Medical, Flight Delay Insurance, Baggage Delay Insurance, Lost or Stolen Baggage Insurance, Hotel Burglary Insurance, Car Rental Theft and Damage Insurance, Travel Accident Insurance, Purchase Protection® Plan, and Buyer's Assurance® Protection Plan.
Card Fees
Annual Fee
The Aeroplan Reserve Card has a $599 annual fee.
Authorized User Fee
Additional Aeroplan® Reserve Cards will cost $199 per card. These cards allow additional cardholders to share some of the benefits as well as earn points on purchases.
No Fee Cards can also be added for $0. These do not grant any benefits, but allows the ability to earn points on purchases.
Foreign Transaction Fee
The American Express Aeroplan Reserve Card has a 2.5% foreign transaction fee. This means you will be penalized when using this card to make purchases in a currency other than Canadian dollars.
Aeroplan Points Calculator
Input your monthly and yearly spend amounts to calculate how many points you can earn with the AMEX Aeroplan Reserve Card. Compare the results side by side up to 2 credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
Search Results Display Here
Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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