4.7
/5
American Express
American Express® Aeroplan®* Business Reserve CardBusiness Points Calculator
Earn up to 90,000 Aeroplan®* points
Our Take
The most aggressive Aeroplan earning card you can get for a business: 3x on Air Canada, 2x on hotels and car rentals, and 1.25x on everything else. The $599 annual fee is steep, but the perks are hard to match — unlimited Maple Leaf Lounge access, Priority Pass membership, free checked bags, and an Annual Worldwide Companion Pass that alone can be worth hundreds. If your business spends heavily on Air Canada flights and travel, this card can return serious value. But be honest about your travel volume — at this fee, light travelers will lose money. This is a card you need to actively use to justify.
Business Spending
Where this card earns more
$
$
$
$
Foreign currency
$
$
Everything else
$
Anything not listed here
Travel
$
$
Day-to-Day
$
$
$
$
$
Services & Bills
$
$
$
$
Employee cards
Leave empty to skip. When set, their fees come off the card's value.
Card Details
Based on $4,000 monthly business spending
Annual rewards
$1,217.75
in Aeroplan points a year
Welcome bonus
$1,235
first year only
Annual fee
$599
FX fees
$180
2.5% on $600/mo
First-year value
$1,673.75
$438.75 in years after
Annual rewards
$1,217.75
in Aeroplan points a year
Welcome bonus
+ $1,235
first year only
Annual fee
− $599
FX fees
− $180
2.5% on $600/mo
First-year value
$1,673.75
$438.75 in years after
Interest Rates
Purchase: 21.99%*
Cash Advance: 21.99%*
Annual Fees
Main Card: $599⁕
Additional Cards: $0
⁕ Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Business Reserve Card annual fee will increase to $799. Annual fees charged on or after this date will reflect the new fee. The Employee Aeroplan®* Business Reserve Card annual fee will increase to $249. The Employee Aeroplan®* Business Reserve No Fee Card will be renamed to the Employee Aeroplan®* Business Reserve Expense Card and the annual fee will increase to $25. Learn more about new benefits.
Welcome Bonus
- Earn up to 90,000 Welcome Bonus Aeroplan®* points
- Earn 65,000 Aeroplan®* points after spending $10,500 on your Card within the first 3 months as a new American Express® Aeroplan®* Business Reserve Cardmember.
- Plus, earn 25,000 Aeroplan points when you spend $3,500 in month 13.
- You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
4.7/5
Institution
American Express
How You Earn Rewards
- 3x Aeroplan® points per $1 spent on eligible Air Canada® and Air Canada Vacations® purchases
- 2x Aeroplan® points per $1 spent on eligible hotel and car rental purchases in Canada
- 1.25x Aeroplan® points per $1 spent on all other eligible purchases
American Express® Aeroplan®* Business Reserve Card Points Calculator
Your rewards by category
A year of your spending at this card's ongoing rates, grouped by what each category earns.
Spend: $1,200/yr
Reward: $68.4
Spend: $2,400/yr
Reward: $91.2
Hotels
$1,800/yr
3,600 pts
Car Rental
$600/yr
1,200 pts
BASE
Spend: $44,580/yr
Reward: $1,058.17
All other business spending (14 categories)
Office Supplies
$3,000/yr
3,744 pts
Electronics & Software
$1,200/yr
1,500 pts
Gas & EV Charging
$3,600/yr
4,500 pts
Other Airlines
$600/yr
744 pts
Other Travel
$600/yr
744 pts
Dining & Restaurants
$3,600/yr
4,500 pts
Phone, Internet & Cable
$2,400/yr
3,000 pts
Shipping & Courier
$1,800/yr
2,244 pts
Accounting & Bookkeeping
$1,800/yr
2,244 pts
Recurring Bills & Subscriptions
$4,800/yr
6,000 pts
Transportation
$1,200/yr
1,500 pts
US Dollar Purchases
$6,150/yr
7,692 pts
Other Foreign Currencies (EUR, GBP, etc.)
$1,230/yr
1,536 pts
All Other Business Expenses
$12,600/yr
15,744 pts
Welcome bonus at your spending
$1,235
65,000 Aeroplan points when you spend $10,500 in the first 3 months
65,000 pts
25,000 Aeroplan points when you spend $3,500 in month 13 (card year 2)
25,000 pts
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
Trip Cancellation
Trip Interruption
Flight Delay
Baggage Delay
Lost or Stolen Baggage
Hotel Burglary Insurance
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
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Free first checked bag
Nexus Program Rebate
Amex Experiences™
Extra points
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Status lift
Status lift
Status lift
Status lift
Priority Travel
Priority Travel
Airport Lounge - Priority Pass
Airport Lounge - Maple Leaf and AirCanada Cafes
Companion Voucher
Free Extra Night at Hotels
Pros & Cons
Pros
- Premium earning rates
- Comprehensive coverage
- Unlimited airport lounge access
- Priority Pass membership
- Annual companion pass
- Free first checked bags
- NEXUS program rebate
- Priority travel perks
Cons
- High annual fee
- Benefit limitations and conditions
- Less valuable for non-travellers
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.