In the realm of credit cards, the American Express Aeroplan Reserve stands out as a premier choice for frequent flyers and avid travelers.

Offering a plethora of benefits, this card is designed to enhance your travel experience while providing valuable rewards and perks.

In this comprehensive guide, we’ll delve into how to apply for the American Express Aeroplan Reserve, its functioning, advantages, drawbacks, and whether it’s worth the application.


How Does the American Express Aeroplan Reserve Credit Card Work?

The American Express Aeroplan Reserve operates on a simple yet effective principle: rewarding cardholders for their spending, particularly on travel-related expenses.

Partnering with Aeroplan, Air Canada’s loyalty program, this card allows users to accumulate Aeroplan points with every purchase.


These points can then be redeemed for flights, hotel stays, car rentals, and other travel expenses.



Advantages of the American Express Aeroplan Reserve Credit Card

  • Generous Welcome Bonus: Upon approval, cardholders can often receive a substantial welcome bonus, boosting their Aeroplan points right from the start.
  • Travel Benefits: From airport lounge access to priority check-in and boarding, this card provides a range of perks to streamline your travel experience.
  • Complimentary Upgrades: Enjoy complimentary upgrades on flights whenever available, enhancing your comfort and overall journey.
  • Travel Insurance Coverage: The card offers extensive travel insurance coverage, including trip cancellation, interruption insurance, and emergency medical insurance.
  • Aeroplan Elite Status: Cardholders may qualify for Aeroplan Elite Status, unlocking additional benefits such as bonus points and priority services.
  • Global Acceptance: Being an American Express card, it enjoys widespread acceptance worldwide, ensuring convenience wherever you go.
  • No Foreign Transaction Fees: Travelers can save significantly on foreign transaction fees, making it an ideal companion for international adventures.
  • Exclusive Events and Experiences: Gain access to exclusive events, concerts, and experiences, adding a touch of luxury to your lifestyle.
  • Companion Tickets: Some card variants offer companion tickets, allowing you to bring a travel companion along at a reduced fare.

Disadvantages of the American Express Aeroplan Reserve Credit Card

  • High Annual Fee: The card typically comes with a high annual fee, which may not be justifiable for casual travelers or those who don’t maximize its benefits.
  • Limited Acceptance: While American Express is widely accepted, there are still some merchants and establishments that may not take it, particularly abroad.
  • Complex Rewards Structure: The Aeroplan rewards program can be intricate, requiring careful planning to maximize value and avoid points devaluation.
  • Annual Renewal Thresholds: Some of the card’s benefits are tied to meeting annual spending thresholds, which may not be feasible for all users.

Is It Worth Applying for the American Express Aeroplan Reserve Credit Card?

Whether the American Express Aeroplan Reserve is worth applying for depends on your individual travel habits, spending patterns, and financial goals.

If you’re a frequent traveler who values luxury, convenience, and premium rewards, then the card’s benefits can easily outweigh its costs.

However, for occasional travelers or those who prefer simplicity in their credit card rewards, alternative options may be more suitable.


Requirements for Applying for the American Express Aeroplan Reserve Credit Card

To qualify for the American Express Aeroplan Reserve, applicants typically need to meet the following requirements:

  • Good to Excellent Credit Score: A strong credit score is usually necessary to qualify for premium credit cards like the Aeroplan Reserve.
  • Income Threshold: Applicants often need to demonstrate a minimum annual income to be eligible for this card.
  • Canadian Residency: The Aeroplan Reserve is usually available only to Canadian residents.
  • Age Requirement: Applicants must be of legal age in their province or territory of residence.

How to Apply for the American Express Aeroplan Reserve Credit Card: Step-by-Step Guide

  1. Research: Begin by researching the features, benefits, and terms of the American Express Aeroplan Reserve to ensure it aligns with your needs and preferences.
  2. Check Eligibility: Verify that you meet the card’s eligibility requirements, including credit score, income, and residency.
  3. Gather Documents: Prepare necessary documents such as proof of income, identification, and any other information required for the application.
  4. Initiate Application: Visit the American Express website or apply through authorized channels to start your application process.
  5. Complete Application: Fill out the application form accurately and provide all required information.
  6. Submit Documents: Upload or submit any requested documents to support your application.
  7. Wait for Approval: Once submitted, your application will be reviewed, and you’ll receive a decision within a few business days.
  8. Activate Card: Upon approval, activate your card as per the instructions provided.
  9. Start Spending: Start using your American Express Aeroplan Reserve card to earn rewards and enjoy its benefits.


Frequently Asked Questions

1. Can I upgrade from another American Express card to the Aeroplan Reserve?

Yes, in many cases, existing American Express cardholders may be eligible to upgrade to the Aeroplan Reserve, subject to approval and meeting eligibility criteria.

2. Are there any additional fees associated with the card?

Aside from the annual fee, certain transactions or services may incur fees, such as cash advances, late payments, or foreign currency transactions. It’s essential to review the card’s terms and conditions for a full understanding of associated fees.

3. Can I share my Aeroplan points with family or friends?

Yes, Aeroplan allows members to share points with family members or friends, provided they are also Aeroplan members.

4. What happens if I cancel my card?

If you cancel your American Express Aeroplan Reserve card, you’ll lose access to its benefits and any accumulated rewards. Be sure to redeem any outstanding rewards before canceling the card.

In conclusion, the American Express Aeroplan Reserve credit card offers a plethora of benefits for frequent travelers, from generous rewards and travel perks to exclusive experiences and comprehensive insurance coverage.

While it may not be suitable for everyone due to its high annual fee and complex rewards structure, for those who can maximize its benefits, it’s undoubtedly a valuable asset.

By understanding its features, weighing the pros and cons, and meeting eligibility requirements, you can make an informed decision about whether to apply for this prestigious credit card.