American Express® Aeroplan®* Business Reserve Card

Ramp Corporate Card

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Amex Aeroplan Business Reserve vs Ramp Corporate Card

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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Our review Rewards calculator

Ramp Corporate Card

4.5

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Our review

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

$1,674

First-year value

Not calculated yet

$439

Every year after

Not calculated yet

Only Amex Aeroplan Business Reserve earns rewards we can work out.

Compare the fees, rates and perks below.

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

—

+ $1,235

first year only

Welcome bonus

—

− $599

Annual fee

—

− $180

2.5% on $600/mo

FX fees

—

$1,673.75

First-year value

—

Where each card earns

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

$299.14

at 1.25x

All Other Business Expenses

$12,600 a year

—

$146.15

at 1.25x

US Dollar Purchases

$6,150 a year

—

$114

at 1.25x

Recurring Bills & Subscriptions

$4,800 a year

—

$85.5

at 1.25x

Gas & EV Charging

$3,600 a year

—

$85.5

at 1.25x

Dining & Restaurants

$3,600 a year

—

$71.14

at 1.25x

Office Supplies

$3,000 a year

—

$57

at 1.25x

Phone, Internet & Cable

$2,400 a year

—

$68.4

at 2x

Hotels

$1,800 a year

—

$42.64

at 1.25x

Shipping & Courier

$1,800 a year

—

$42.64

at 1.25x

Accounting & Bookkeeping

$1,800 a year

—

$29.18

at 1.25x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

—

$28.5

at 1.25x

Electronics & Software

$1,200 a year

—

$68.4

at 3x

Air Canada

$1,200 a year

—

$28.5

at 1.25x

Transportation

$1,200 a year

—

$14.14

at 1.25x

Other Airlines

$600 a year

—

$22.8

at 2x

Car Rental

$600 a year

—

$14.14

at 1.25x

Other Travel

$600 a year

—

$1,217.75

Rewards in a year

—

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.

Ramp Corporate Card

No welcome bonus right now.

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

Ramp Corporate Card

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

Employee cards

Not listed

2.5%

Foreign transaction fee

None

Aeroplan

Rewards

Cash back

American Express

Network

Visa

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

Ramp Corporate Card

Interest rates

Purchase:

N/A

Cash Advance:

N/A

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

Ramp Corporate Card

Get up to 1% cash back on all eligible transactions

Insurance and perks

What both cards include comes first in each list.

Amex Aeroplan Business Reserve

Insurance

Car Rental Damage & Theft

$85K MSRP up to 48 consecutive rental days

Extended Warranty

1 years

Purchase Protection

90 days

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000/person after 6 hours

Common Carrier Travel Accident Insurance

$500,000

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

Companion Voucher

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

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 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

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)

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

Ramp Corporate Card

Insurance

Car Rental Damage & Theft

31 days. Reimbursed for damages caused by theft up to cash value of most rented cars

Extended Warranty

Yes

Purchase Protection

First 90 days, up to $10,000 per claim and $50,000 per cardholder

Car Rental Accident

31 days. Reimbursed for damages caused by collision up to cash value of most rented cars

Travel and Emergency Assistance Services

Available 24 hours a day, 365 days a year

Perks

Adapted limit

Customizable limits and controls down to the merchant and transaction level

High Credit Limits

30x higher than those offered by traditional banks

No Credit Check

No personal credit check or personal guarantee required

Unlimited Cards

Issue unlimited virtual and physical cards for each employee

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

Ramp Corporate Card

The Ramp Corporate card offers a competitive edge with perks like higher credit limits, no credit checks, and cash back opportunities. The card pairs perfectly with Ramp's arsenal of products dedicated to expense management, bill payments, accounting automation, vendor management, and reporting. Together, these tools help Canadian businesses save both time and money.

No Annual Fee
High and Customizable Credit Limits
Cash Back Opportunities
No Credit Check
Unlimited Cards

Minimum Balance Requirements
Geographical Limitations
No Sole Proprietors

More business card comparisons

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Amex Aeroplan Business Reserve

Ramp Corporate Card

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.

Ramp Corporate Card

Terms and conditions apply. Cards issued by Peoples Trust Company under license from Visa International.

Must have at least $25,000 in your primary business bank account to qualify.

Businesses must be a corporation or a limited liability company registered in Canada; sole proprietorships, partnerships, and unregistered businesses are not eligible.

Certain industries may be restricted from onboarding to Ramp (e.g. cryptocurrency and cannabis businesses).

Ramp cannot serve Quebec, Saskatchewan, or the territories (Yukon, Northwest Territories, and Nunavut).