American Express Aeroplan Reserve Card

Premium Air Canada co-brand. AT THE PARTNER: 3 Aeroplan points per $1 on eligible purchases made directly with Air Canada and Air Canada Vacations. ELEVATED CATEGORY: 2 points per $1 at restaurants and on food delivery in Canada only. EVERYWHERE ELSE: 1.25 points per $1. No annual earn cap published. Air Canada spend booked through third parties does not earn the 3x rate.

Up to 85,000 Aeroplan points: 60,000 after spending $7,500 in the first 3 months, plus 25,000 after spending $2,500 in month 13. New Aeroplan Reserve Cardmembers only; current and former Reserve holders are excluded. No end date published.

Same insurance suite as the $120 Aeroplan Card but with the delay and baggage limits doubled: Emergency Medical up to $5,000,000 for the first 15 consecutive days, under 65; Trip Cancellation $1,500 per person ($3,000 combined max); Trip Interruption $1,500 per person ($6,000 combined max); Flight Delay up to $1,000; Baggage Delay up to $1,000; Lost or Stolen Baggage up to $1,000 per trip; Hotel Burglary up to $1,000; Car Rental Theft and Damage up to $85,000 MSRP, 48 days; Travel Accident $500,000; Purchase Protection up to $1,000 per occurrence and Buyer's Assurance. Lounge access is UNLIMITED Air Canada Maple Leaf Lounge access in North America for the cardmember plus one guest when flying Air Canada, together with a Priority Pass membership. Because it is unlimited rather than a pass allotment, lounge_passes_per_year is recorded as NOT PUBLISHED. $100 NEXUS statement credit once every four years. Toronto Pearson benefits: Priority Security Lane access, valet, parking and car care discounts. Free first checked bag, priority check-in, boarding and baggage handling. Annual Worldwide Companion Pass on $25,000 or more of annual card spend. Supplementary cards $199 each per year, or $0 for the no-fee supplementary version. OVERLAP FLAG: an Aeroplan co-brand. De-duplicate against the big-six researcher's TD and CIBC Aeroplan set by issuer. $599 is among the highest annual fees in Canada, yet travel medical still stops at 15 days and at age 65. Trip cancellation and interruption remain only $1,500 per person, identical to the $120 card. The fee buys lounge access, not better trip insurance. The Companion Pass requires $25,000 of annual card spend and is not automatic. 25,000 of the 85,000 welcome points arrive in month 13, requiring a second $599 fee. Maple Leaf Lounge access is limited to North American lounges and requires a same-day Air Canada boarding pass. Amex does not publish a foreign transaction fee for this card on accessible pages. Amex acceptance in Canada is narrower than Visa/Mastercard. New Reserve cardmembers only.