American Express Aeroplan Card

Air Canada co-brand. AT THE PARTNER: 2 Aeroplan points per $1 on eligible purchases made directly with Air Canada and Air Canada Vacations. ELEVATED CATEGORY: 1.5 points per $1 at restaurants and on food delivery in Canada (note the 'in Canada' restriction. Dining abroad earns the base rate). EVERYWHERE ELSE: 1 point per $1. No annual earn cap is published. Air Canada purchases through third-party travel agents or OTAs do not qualify for the 2x rate.

Up to 45,000 Aeroplan points: 35,000 after spending $7,500 in the first 6 months, plus 10,000 after spending $1,000 in month 13. Amex states the offer is for new American Express Aeroplan Cardmembers only. Current and former holders of this card are not eligible. No end date published.

From Amex Canada's Aeroplan compare-cards page: Out of Province/Country Emergency Medical up to $5,000,000 for the first 15 consecutive days, for cardmembers under 65; Trip Cancellation up to $1,500 per insured person ($3,000 combined maximum); Trip Interruption up to $1,500 per insured person ($6,000 combined maximum); Flight Delay up to $500; Baggage Delay up to $500; Lost or Stolen Baggage up to $500 per trip; Hotel Burglary up to $500; Car Rental Theft and Damage on vehicles up to $85,000 MSRP for rentals of 48 days or less; Travel Accident $500,000; Buyer's Assurance and Purchase Protection up to $1,000 per occurrence. Air Canada benefits: free first checked bag for the cardmember and up to eight companions on the same reservation, Status Qualifying Credits toward Aeroplan Elite Status, and access to preferred flight reward pricing. Supplementary cards are $50 each per year, or $0 for the no-fee supplementary version. Amex does not publish a minimum income or a foreign transaction fee for this card on the pages that could be loaded, both recorded as NOT PUBLISHED. OVERLAP FLAG: Aeroplan co-brands are also issued by TD and CIBC and are likely inside the big-six researcher's scope. This Amex-issued version is the one big-six coverage would miss, but de-duplicate on issuer before publishing. The 1.5x dining rate applies only to restaurants and food delivery IN CANADA. 10,000 of the 45,000 welcome points do not arrive until month 13, so you must pay a second $120 annual fee to collect them. Travel medical is capped at the first 15 consecutive days and cuts off at age 65. Useless for longer trips or older travellers. Trip cancellation and interruption are only $1,500 per person, low for a $120 travel card. Amex does not publish a foreign transaction fee for this card on accessible pages; do not assume it is zero. Amex acceptance in Canada is materially narrower than Visa/Mastercard, especially at grocers. Relevant given the flat 1x base rate. Welcome offer is closed to current and former cardholders.