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Aeroplan® Credit Card vs Blue Cash Preferred® Card from American Express
This comparison aims to assist users in deciding between the Aeroplan® Credit Card and the Blue Cash Preferred® Card from American Express. Both cards offer unique features targeted at different types of spenders, making it essential to evaluate their key benefits and drawbacks.
Aeroplan® Credit Card
The Aeroplan® Credit Card is designed for travelers who want to earn points redeemable for flights and other travel-related expenses. It provides generous bonus points and rewards for spending in specific categories.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express caters to everyday spenders looking to maximize cash back on their purchases, especially in grocery stores and streaming services. This card is ideal for those who prioritize cash rewards over travel points.
Detailed Feature Comparison
| Feature | Aeroplan® Credit Card | Blue Cash Preferred® Card from American Express |
|---|---|---|
| Annual Fee | $95 | $0 intro annual fee for the first year, then $95 |
| Welcome Bonus | Earn up to 70,000 bonus points | Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months |
| Rewards Structure | Earn 3X points at grocery stores, restaurants, and Air Canada; 1X on other purchases | 6% Cash Back at U.S. supermarkets (up to $6,000/year); 6% on select streaming; 3% at gas stations; 3% on transit; 1% on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $95 Annual Fee | $95 Annual Fee after the first year |
| Additional Benefits | Travel rewards and points redemption for flights | Cash Back rewards, Disney Bundle credit, Buy Now, Pay Later option |
Rewards Highlights
Aeroplan® Credit Card
- Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn an additional 10,000 bonus points after your annual fee renewal payment posts and is paid in full.
- Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly.
- Earn 1X point for each dollar spent on all other purchases.
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
Pros and Cons
Aeroplan® Credit Card
- Pros:
- Generous travel rewards and bonus points.
- No foreign transaction fees.
- Flexibility in redeeming points for flights.
- Cons:
- Annual fee applies immediately.
- Points may be less valuable for non-travel expenses.
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on everyday spending categories.
- 0 intro annual fee for the first year.
- Cash Back can be redeemed easily.
- Cons:
- Annual fee after the first year.
- Cash Back rewards may not suit travelers as much.
Who Should Consider Which Card?
The Aeroplan® Credit Card is best for individuals who frequently travel, especially with Air Canada, and want to earn points towards flights and travel-related expenses. On the other hand, the Blue Cash Preferred® Card from American Express is ideal for everyday consumers who want to maximize cash back on groceries, streaming services, and gas, making it suitable for families and those with regular shopping expenses.
Conclusion
When deciding between the Aeroplan® Credit Card and the Blue Cash Preferred® Card from American Express, consider your individual spending patterns and financial goals. Whether you prioritize travel rewards or cash back for everyday expenses will guide your best choice.