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American Express® Aeroplan®* Business Reserve Card Review
The Bottom Line
The American Express Aeroplan Business Reserve Card is the ultimate premium business card for Air Canada loyalists and frequent business travelers. With exceptional earning rates (3x on Air Canada, 2x on hotels/car rentals, 1.25x everywhere else), it delivers outstanding value for businesses invested in the Aeroplan ecosystem. The $599 annual fee is steep but justified by premium benefits including Maple Leaf Lounge access, Priority Pass membership, free checked bags, and the coveted Annual Worldwide Companion Pass. This card is ideal for businesses with significant travel budgets who can maximize Air Canada benefits and status perks.
Our choice for: Best premium business card for Air Canada frequent travellers
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Welcome Bonus
Earn up to 90,000 Aeroplan®* points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
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
$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
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.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
**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%.
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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%*
* 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%.
Fees
Annual Fee
$599
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Pros & Cons
Pros
- Premium earning rates: 3x Air Canada, 2x hotels/car rentals, 1.25x everything else
- Unlimited Maple Leaf Lounge access in North America with guest privileges
- Priority Pass membership for global lounge access
- Annual Worldwide Companion Pass (after $25,000 spend)
- Free first checked bag for up to 8 people on same reservation
- $100 NEXUS credit every 4 years
- Priority check-in, boarding, and standby benefits with Air Canada
Cons
- Very high $599 annual fee
- Benefits heavily focused on Air Canada ecosystem
- Limited value for businesses that don't travel frequently
- Premium benefits may be underutilized by smaller businesses
- Companion Pass requires significant annual spending ($25,000)
- Most valuable benefits tied to Air Canada flights and status
American Express® Aeroplan®* Business Reserve Card
4.7
FinlyWealth Rating
on American Express' website