American Express® Green Card vs American Express® Aeroplan®* Card: Which one is better?
American Express® Green Card
3.8
RECOMMENDED CREDIT SCORE*
American Express® Aeroplan®* Card
3.3
RECOMMENDED CREDIT SCORE*
Rewards Breakdown
Annual Rewards
$457.03
American Express Membership Rewards
Welcome Bonus
$210
American Express Membership Rewards
Annual Fee
$0
First Year Value
$667.03
$457.03 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$506.17
Air Canada Aeroplan
Welcome Bonus
$630
Air Canada Aeroplan
Annual Fee
$120
First Year Value
$1,016.17
$386.17 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Purchase Protection
90 days
Extended Warranty
Up to a year
Insurance Included*
Purchase Protection
90 daysExtended Warranty
Up to a year
Flight Delay
$500 (Aggregated with Baggage Delay)
Baggage Delay
$500 (Aggregated with Flight Delay)
Hotel Burglary Insurance
$500
Travel Accident
$500K.svg)
Car Rental Damage & Theft
$85K, up to 48 days
Extra Benefits*
American Express Experiences
Extra points
2 points on Amex Travel Online purchases
Extra Benefits*
American Express Experiences
Extra points
2 points on Amex Travel Online purchases
Free first checked bag
You and up to 8 companions every time you fly with Air Canada.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
Free Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
Interest Rates*
Purchase:
21.99%1
Cash Advance:
21.99%1
Interest Rates*
Purchase:
30% Annual2
Cash Advance:
30% Annual2
Annual Fee*
$0
Annual Fee*
$120
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.
Welcome Bonus*
Earn 30,000 Aeroplan points after spending $3,000 on your Card within the first 3 months. Additional 20,000 Aeroplan points when you spend $1,000 in month 13.
Rewards Rate*
- 1x point per $1 spent on all purchases
Rewards Rate*
- 2 points on Aircanada and AirCanada Vacations
- 1.5 points on Dining
- 1 Point on everything else
Loyalty Program*
Loyalty Program*
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / point
Gift Cards
0.765¢ / point.svg)
Fixed Point Travel Program
1.66¢ / point
Transfer to Hotel Partners
1.66¢ / point
Statement Credits
1¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / point
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / pointGift Cards
0.765¢ / pointTravel
0.825¢ / point
Is this card worth it?
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Is this card worth it?
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through American Express Experiences.
- Eco-Friendly: The card is made from 99% recycled plastic.
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.If you are interested in a higher Aeroplan Status, the card helps you get there faster.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
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