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Aeroplan® Credit Card vs The Business Platinum Card® from American Express
This comparison aims to help you decide between the Aeroplan® Credit Card and The Business Platinum Card® from American Express. Both cards offer unique benefits and features tailored to different audiences and spending habits.
Aeroplan® Credit Card Overview
The Aeroplan® Credit Card is designed for individuals who frequently travel, particularly with Air Canada. With a reasonable annual fee and generous bonus points, this card allows users to accumulate points quickly for international and domestic flights.
The Business Platinum Card® from American Express Overview
The Business Platinum Card® from American Express is targeted towards business owners and professionals who travel frequently. It comes with a high annual fee but offers extensive rewards and benefits, especially for travel-related expenses, making it ideal for those who are looking to maximize their business travel experience.
Detailed Feature Comparison
| Feature | Aeroplan® Credit Card | The Business Platinum Card® from American Express |
|---|---|---|
| Annual Fee | $95 | $695 |
| Welcome Bonus | Earn up to 70,000 bonus points | Earn 150,000 points after $20,000 spend; $500 statement credit after $2,500 spend |
| Rewards Structure | 3X points at grocery stores, dining, and Air Canada; 1X on all other purchases | 5X points on flights, prepaid hotels; 1.5X on select purchases; 1X on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | 500 bonus points for every $2,000 spent monthly (up to 1,500 points/month) | $200 Airline Fee Credit; $199 CLEAR® Plus Credit |
| Additional Benefits | Redeem points for flights with Air Canada | Access to 1,400+ airport lounges; statement credits on select purchases |
Rewards Highlights
Rewards for the Aeroplan® Credit Card:
- Earn up to 70,000 bonus points.
- Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K 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 points on other eligible purchases.
Rewards for The Business Platinum Card® from American Express:
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals booked at AmexTravel.com.
- Earn 1.5X points on eligible purchases at select US retailers and on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year.
- Earn 1X points on other eligible purchases.
Pros and Cons
Aeroplan® Credit Card Pros
- Lower annual fee of $95.
- Generous welcome bonus of up to 70,000 points.
- Attractive rewards for dining and grocery purchases.
- No foreign transaction fees.
Aeroplan® Credit Card Cons
- Limited benefits compared to premium cards.
- Points primarily redeemable through Air Canada.
The Business Platinum Card® from American Express Pros
- Extensive travel benefits, including lounge access.
- High earning potential with numerous bonus categories.
- Various statement credits that can offset the annual fee.
The Business Platinum Card® from American Express Cons
- High annual fee of $695.
- Minimum spending requirement for welcome bonus is significant.
Who Should Consider Which Card?
The Aeroplan® Credit Card is ideal for casual travelers and individuals who primarily fly with Air Canada and want a low-cost rewards card. It suits those who appreciate earning points on everyday purchases without a hefty annual fee.
On the other hand, The Business Platinum Card® from American Express is tailored for frequent business travelers who can maximize the extensive travel benefits and rewards. This card is best for those who spend significantly on travel and want premium perks.
Conclusion
Ultimately, your choice between the Aeroplan® Credit Card and The Business Platinum Card® from American Express should depend on your individual travel habits, spending patterns, and financial goals. Consider what benefits matter most to you and how often you travel to make an informed decision.