American Express® Aeroplan®* Business Reserve Card Review
The Bottom Line
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.
Our choice for: Best premium business card for Air Canada frequent travellers
on American Express' website
Welcome Bonus
Earn up to 90,000 Aeroplan®* points
Annual Fee
See Rates
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
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
Insurance
Coverage
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 hoursBaggage Delay
$1,000/person after 6 hours
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1000
Common Carrier Travel Accident Insurance
$500,000.svg)
Car Rental Damage & Theft
$85K MSRP up to 48 consecutive rental days
Purchase Protection
90 days
Extended Warranty
1 years
Benefits
Details
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Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
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
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.svg)
Status lift
Complimentary upgrade to Avis® President's ClubStatus lift
Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQCStatus 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.
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 - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
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
Eligibility
Credit Score
GoodAnnual Income
N/A
Welcome Bonus Details
- 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.
Card Details
Interest Rates
Purchase APR
21.99%*
Cash Advance APR
21.99%*
Fees
Annual Fee
$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.
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
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
American Express® Aeroplan®* Business Reserve Card
4.7
FinlyWealth Rating
on American Express' website
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