Amex Business Gold vs Aeroplan Credit Card: Which Is Better In 2026?

Aeroplan® Credit Card Breakdown

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Why We Like It

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This section breaks down why we like the Aeroplan® Credit Card.

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• It's an ideal choice for frequent flyers of Air Canada and its Star Alliance partners.
• The card provides a fast track to elite status and includes valuable perks like a free first checked bag.
• With no foreign transaction fees, it's a strong option for international travel, particularly for trips involving Canada.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Pros

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• Offers a fast track to Aeroplan Elite Status and valuable airline perks like a free first checked bag on Air Canada flights.
• The card includes a generous welcome offer and has no foreign transaction fees, making it a great value for international travel.
• Provides useful travel protections and a statement credit for the NEXUS application fee, a unique benefit for travel between the U.S. and Canada.

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Cons

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• Carries an annual fee that is not waived for the first year.
• The rewards earning rate is lower for travel purchases not made directly with Air Canada.
• Benefits and redemption value are heavily focused on Air Canada and its partners, making it less ideal for travelers who use other airlines.

Aeroplan® Credit Card vs American Express® Business Gold Card

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Categories

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Deciding which is better, Amex Business Gold or Aeroplan Credit Card, depends entirely on your primary spending habits and goals. Each card excels in a distinct area, catering to different types of users.

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• American Express® Business Gold Card: This card is a versatile business tool designed for business owners. It's best suited for entrepreneurs who want to maximize rewards on a wide range of business expenses.
• Aeroplan® Credit Card: This card falls squarely into the travel rewards category. It is specifically designed for frequent Air Canada flyers and travelers who want to earn points toward flights.

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Redemption

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American Express® Business Gold Card: Membership Rewards® points offer significant flexibility, allowing you to redeem them for travel, transfer them to airline and hotel partners, or use them for statement credits. This versatility lets you apply rewards where your business needs them most.

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Aeroplan® Credit Card: Points are redeemed through the Aeroplan loyalty program, primarily for flights with Air Canada and its extensive network of airline partners. Your rewards are streamlined directly into your travel plans, especially if you frequently fly with Star Alliance members.

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Compare Top Rated Credit Cards with Kudos

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Using a tool like Kudos, you can compare thousands of credit cards to find the one that best fits your unique spending habits.

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• Test drive credit cards: Simulate your potential earnings with different cards using your actual spending data—all before you apply.
• Get approval odds: Receive a detailed analysis of your approval odds based on your credit report to apply with more confidence.
• Unlock exclusive perks: Gain access to additional rewards through Kudos Boost, a welcome offer guarantee, and other exclusive promotions.
• Monitor your finances: Track your spending, transactions, and credit score from a single platform.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is an excellent choice for growing companies with variable expenses and at least $50,000 in annual business spending. It's particularly valuable for businesses that can maximize the 4X Membership Rewards® points offered in their top two spending categories each billing cycle—such as U.S. advertising, U.S. shipping, or select U.S. technology providers—on up to $150,000 in combined purchases annually, then 1X. Ultimately, entrepreneurs who value flexible rewards and premium travel protections will find this card to be a strong fit for their business needs. Terms Apply.

Who Should Choose the Aeroplan® Credit Card?

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The Aeroplan® Credit Card is tailor-made for frequent flyers of Air Canada and its partners, particularly those who often travel to, from, or within Canada. This user values the card's specific perks, such as a free first checked bag and accelerated progress toward Aeroplan Elite Status. Ultimately, the ideal cardholder is a points enthusiast looking to maximize rewards on Air Canada purchases, dining, and groceries while taking advantage of premium travel benefits.

Alternatives to Consider

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Perhaps our Amex Business Gold vs. Aeroplan® Credit Card comparison has left you undecided or convinced that neither is for you. If that's the case, let's explore a few other cards that might better suit your spending habits and travel goals.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score. Most premium cards require a good to excellent credit history.
• Plan your spending. Make sure you can comfortably meet any welcome offer spending requirement without forcing it.
• Research the rewards. Understand how you’ll use the points or miles to ensure the card is a good fit for you.

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Application Strategy

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• Time your application before a large planned purchase to help meet any welcome offer spending requirements.
• Be aware of issuer-specific rules, like limits on welcome offers for previous cardholders.
• Use a trusted platform to find the best available offers and automatically track your card benefits.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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What are American Express Membership Rewards® points?

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Membership Rewards® points are the currency of the American Express rewards program. You can redeem them for travel, gift cards, statement credits, or transfer them to various airline and hotel partners.

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Can I transfer Amex points to Aeroplan?

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Yes, Air Canada's Aeroplan program is a transfer partner of American Express Membership Rewards®. This allows you to convert your points and book flights on Air Canada and its Star Alliance partners.

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How do I decide if a business credit card is right for me?

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You should consider a business credit card if you have eligible business expenses, even as a freelancer or sole proprietor. These cards often offer rewards tailored to business spending categories and can help you separate personal and business finances.

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