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Aeroplan Reserve Card
CANADA CREDIT CARD

Aeroplan Reserve Card

American Express Canada · Annual fee CA$599 CAD · Aeroplan Points · data refreshed October 3, 2026

Quick answer: The Aeroplan Reserve Card carries a CA$599 annual fee and 16 catalogued benefits, 1 of them dollar credits worth CA$25 a year at face value; its best earning category is Air Canada at 3x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Air Canada3x3.9%
Dining2x2.6%
Everything else1.25x1.625%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (1)

$100 NEXUS Credit

CA$25/yr
Every 4 years

Up to $100 credit towards NEXUS application fee every four years. NEXUS provides expedited border crossing between Canada and the United States.

Status & Elite Perks (2)

Maple Leaf Lounge Access

CA$300/yr
Annual

Unlimited complimentary access to Maple Leaf Lounges in North America for the primary cardholder when travelling on Air Canada or a Star Alliance airline. Includes priority check-in and Zone 2 boarding on Air Canada flights.

Avis President's Club Status

CA$25/yr
Annual

Complimentary Avis President's Club membership providing car rental upgrades, priority service, and other benefits when renting from Avis.

Protections (10)

Travel Emergency Medical Insurance

CA$75/yr
Annual

Out-of-province/country emergency medical insurance providing up to $5,000,000 in coverage for the first 15 consecutive days of any trip, for cardholders under age 65. Coverage includes emergency medical treatment, hospitalization, and emergency evacuation.

Rental Car Insurance

CA$75/yr
Annual

Rental car collision and loss damage insurance for vehicles with an MSRP of up to $85,000, for rental periods up to 48 consecutive days. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.

Trip Cancellation Insurance

CA$50/yr
Annual

Trip cancellation insurance providing up to $1,500 per insured person per trip, to a maximum of $3,000 for all insured persons combined, when the trip is cancelled due to a covered reason and the travel arrangements were charged to the card.

Trip Interruption Insurance

CA$50/yr
Annual

Trip interruption insurance providing up to $1,500 per insured person per trip, to a maximum of $6,000 for all insured persons combined, when the trip is interrupted due to a covered reason and the travel arrangements were charged to the card.

Flight Delay Insurance

CA$25/yr
Annual

Flight delay insurance providing up to $1,000 for reasonable expenses within 48 hours when delayed or denied boarding for 4 or more hours, when the fare is charged to the card.

Baggage Insurance

CA$25/yr
Annual

Baggage insurance providing up to $1,000 for essential items purchased within 4 days of arrival when baggage is delayed for 6 or more hours, or up to $1,000 total coverage for lost or stolen baggage during a trip where the common carrier fare was charged to the card.

Purchase Protection

CA$25/yr
Annual

Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence.

Extended Warranty

CA$25/yr
Annual

Extended warranty coverage that extends the original manufacturer's warranty period by up to one additional year. Items must be purchased entirely with the card.

Travel Accident Insurance

CA$10/yr
Annual

Travel accident insurance providing up to $500,000 in accidental death and dismemberment coverage when the full fare for a common carrier (airline, train, bus, ship) is charged to the card.

Hotel Burglary Insurance

CA$10/yr
Annual

Hotel/motel burglary insurance providing up to $1,000 total coverage for stolen items (excluding cash) due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.

Other (3)

Annual Worldwide Companion Pass

CA$200/yr
AnnualResets on card anniversary

Annual Worldwide Companion Pass when you spend $25,000 or more in net purchases prior to your card anniversary date. Allows a companion to travel with you on an Aeroplan flight reward for reduced points.

First Checked Bag Free

CA$100/yr
Annual

Free first checked bag (up to 23kg/50lb) on Air Canada flights for the primary cardholder and up to 8 travelling companions on the same reservation. Also includes priority airport services at Toronto Pearson (YYZ).

Preferred Pricing on Aeroplan

CA$50/yr
Annual

Access to preferred pricing on Aeroplan flight rewards, allowing you to book flights for fewer points. Available to eligible Aeroplan cardmembers from time to time.

How to track it

Add the Aeroplan Reserve Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other American Express Canada cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.