American Express® Aeroplan®* Business Reserve Card

Business Platinum Card® from American Express

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Amex Aeroplan Business Reserve vs Amex Platinum Business

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

American Express® Aeroplan®* Business Reserve Card

4.7

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Finly rebate

$175

Business Platinum Card® from American Express

4.6

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Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,674

First-year value

$164

$439

Every year after

$164

Amex Aeroplan Business Reserve is worth $1,509 more to your business in year one.

It stays ahead after that, by $274 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$1,217.75

in Aeroplan points a year

Annual rewards

$1,143.42

in American Express Membership Rewards points a year

+ $1,235

first year only

Welcome bonus

+ $0

not reached at this spending

− $599

Annual fee

− $799

− $180

2.5% on $600/mo

FX fees

− $180

2.5% on $600/mo

$1,673.75

First-year value

$164.42

Finly rebates are paid on top and aren't counted in these values.

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

Amex Aeroplan Business Reserve earns more on 3 of your 17 categories.

$299.14

at 1.25x

All Other Business Expenses

$12,600 a year

$299.14

at 1.25x

$146.15

at 1.25x

US Dollar Purchases

$6,150 a year

$146.15

at 1.25x

$114

at 1.25x

Recurring Bills & Subscriptions

$4,800 a year

$114

at 1.25x

$85.5

at 1.25x

Gas & EV Charging

$3,600 a year

$85.5

at 1.25x

$85.5

at 1.25x

Dining & Restaurants

$3,600 a year

$85.5

at 1.25x

$71.14

at 1.25x

Office Supplies

$3,000 a year

$71.14

at 1.25x

$57

at 1.25x

Phone, Internet & Cable

$2,400 a year

$57

at 1.25x

$68.4

at 2x

Hotels

$1,800 a year

$42.64

at 1.25x

$42.64

at 1.25x

Shipping & Courier

$1,800 a year

$42.64

at 1.25x

$42.64

at 1.25x

Accounting & Bookkeeping

$1,800 a year

$42.64

at 1.25x

$29.18

at 1.25x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

$29.18

at 1.25x

$28.5

at 1.25x

Electronics & Software

$1,200 a year

$28.5

at 1.25x

$68.4

at 3x

Air Canada

$1,200 a year

$28.5

at 1.25x

$28.5

at 1.25x

Transportation

$1,200 a year

$28.5

at 1.25x

$14.14

at 1.25x

Other Airlines

$600 a year

$14.14

at 1.25x

$22.8

at 2x

Car Rental

$600 a year

$14.14

at 1.25x

$14.14

at 1.25x

Other Travel

$600 a year

$14.14

at 1.25x

$1,217.75

Rewards in a year

$1,143.42

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

Amex Aeroplan Business Reserve

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.

Amex Platinum Business

Earn up to 120,000 bonus Membership Rewards^® points
Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
That’s up to $1,200 in statement credit that can be reinvested in your business

Amex Aeroplan Business Reserve

Worth $1,235 at your spending

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

Amex Platinum Business

Worth $0 at your spending

80,000 MR points when you spend $15,000 in the first 3 months

0 pts

40,000 MR points when you make a purchase in months 15-17 (card year 2)

40,000 pts

40,000 points when you make a purchase between 15 and 17 months of Cardmembership (card year 2)

40,000 pts

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$599

⁕ 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.

Annual fee

$799

Employee cards

$250 per Platinum, $0 per Gold (max 99)

2.5%

Foreign transaction fee

2.5%

Aeroplan

Rewards

American Express Membership Rewards

American Express

Network

American Express

Amex Aeroplan Business Reserve

Interest rates

Purchase:

21.99%¹

Cash Advance:

21.99%¹

¹ 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%.

Recommended credit score

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

Amex Platinum Business

Interest rates

Purchase:

21.99% - 30%²

Cash Advance:

21.99% - 30%²

² This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day account is opened.

Recommended credit score

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

Amex Aeroplan Business Reserve

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

Amex Platinum Business

1.25x points per $1 spent on all purchases

Insurance and perks

What both cards include comes first in each list.

Amex Aeroplan Business Reserve

Insurance

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000/person after 6 hours

Car Rental Damage & Theft

$85K MSRP up to 48 consecutive rental days

Common Carrier Travel Accident Insurance

$500,000

Extended Warranty

1 years

Purchase Protection

90 days

Hotel Burglary Insurance

$1000

Travel Medical Insurance (64 & under)

$5M/insured up to 15 days

Trip Cancellation

$1,500/person, $3K/trip

Trip Interruption

$1,500/person, $6K/trip

Flight Delay

$1,000/person after 4 hours

Perks

Status lift

Complimentary upgrade to Avis® President's Club

Status lift

Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC

Status lift

Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.

Status lift

Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.

Free Extra Night at Hotels

Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Nexus Program Rebate

$100 every 4 years

Priority Travel

At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.

Priority Travel

Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)

Companion Voucher

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Free first checked bag

First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Airport Lounge - Maple Leaf and AirCanada Cafes

Unlimited Access for you and one guest

Airport Lounge - Priority Pass

Pass only. No Complimentary visits!

Amex Experiences™

Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more

Amex Platinum Business

Insurance

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Car Rental Damage & Theft

Yes

Common Carrier Travel Accident Insurance

$500,000

Extended Warranty

1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$1,000

Travel Medical Insurance (64 & under)

15 days

Trip Cancellation

$1,500

Trip Interruption

$1,500

Flight Delay

$1,000

Mobile Device Insurance

$1,500

Perks

Status lift

Earn Marriott Bonvoy Gold Elite status by spending $30,000 or staying 10 nights combined with 15 Elite Night Credits. Status retention depends on Marriott Bonvoy terms.

Free Extra Night at Hotels

Each year, 8-10 weeks after your anniversary, receive a Free Night Award for a Marriott Bonvoy room up to 35,000 points, valid for 1 year. Resort fees excluded.

Nexus Program Rebate

Access a $100 credit for NEXUS with your Cardmembership

Priority Travel

At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park

Concierge Services

Personalized concierge at your service

Discount

Your Business Platinum Card gets you savings on the seats you really want and lower fares on premium tickets with participating airlines

Interest on Balance

Up to 55 interest-free days

American Express® Experiences

Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts, theatre shows, and special offers with American Express® Experiences

Travel Credit

Access a $200 Annual Travel Credit each year of your Cardmembership

Airport Lounge - American Express Global Lounge

Take full advantage of the American Express Global Lounge CollectionTM which unlocks access to over 1400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply.

Complimentary Hotel Benefits

Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.

Wireless Credit

Up to $120 in statement credits each year. Spend $10 each month with eligible wireless providers month and get a $10 credit.

Business Statement Credits

Up to $500 in business statement credits. Enroll and earn statement credits on eligible purchases with $200 Dell statement credit, $300 Indeed statement credit.

Our take

Amex Aeroplan Business Reserve

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.

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

High annual fee
Benefit limitations and conditions
Less valuable for non-travellers

Amex Platinum Business

The most premium business card in Canada, and priced accordingly at $799/year. You get 1.25x Membership Rewards points on everything, a massive welcome bonus of up to 120,000 points, and a deep roster of perks: airport lounge access, hotel elite status, statement credits, and comprehensive insurance. The value proposition only works if you travel frequently and use the perks — the earn rate alone doesn’t justify the fee. But for businesses that fly often, entertain clients, and want best-in-class coverage, the benefits can far exceed the cost. Amex acceptance gaps in Canada remain a consideration.

Optimize all purchases
Premium travel perks
Comprehensive insurance
Interest grace period
Business statement credits

High annual fee
Limited acceptance

More business card comparisons

Each card against every other business card we review.

Amex Aeroplan Business Reserve

Amex Platinum Business

Legal

Amex Aeroplan Business Reserve

*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.

Amex Platinum Business

*Terms and conditions apply.

This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day account is opened.