Ratesopedia

Pros

  • Welcome Bonus: 90,000 points
  • Airport lounge access
  • Purchase protection included
  • Travel medical insurance included

Cons

  • High annual fee ($599/yr)
  • Foreign Transaction Fee (2.5%)

Our Review

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 Aeroplan points:

  • Earn 65,000 Aeroplan points after making $10,500 in purchases in the first three months.
  • Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Rewards

All Spending

1.25x

Aeroplan pts per dollar

Travel

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

/ point
Travel2x
$140/month
Groceries1.25x
$400/month
Restaurants1.25x
$160/month
Gas1.25x
$300/month
Telecom1.25x
$300/month
All other spending1.25x
$700/month

Points Earned

31,260

Aeroplan/yr

Estimated Value

$625

After Fees

+$26

1st Year Value

$1,826

incl. welcome bonus

Annual rewards breakdown

Travel$1,680/yr × 2x3,360 pts
Groceries$4,800/yr × 1.25x6,000 pts
Restaurants$1,920/yr × 1.25x2,400 pts
Gas$3,600/yr × 1.25x4,500 pts
Telecom$3,600/yr × 1.25x4,500 pts
All other spending$8,400/yr × 1.25x10,500 pts
Total annual spend$24,000
Monthly spend$2,000
Average earn rate1.3x
Total points earned31,260 pts

Travel Insurance

Travel Medical

Up to $5,000,000 / 15 days

Trip Cancellation

Up to $1,500

Trip Interruption

Up to $1,500

Delayed Baggage

Up to $1,000

Lost Baggage

Up to $1,000

Flight Delay

Up to $1,000

Hotel Burglary

Up to $1,000

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Up to $85,000 / 48 days

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    21.99%
  • Foreign Transaction Fee
    2.5%

Perks & Benefits

Airport Lounge

Unlimited

Concierge Service

24/7

Priority Boarding

Included

NEXUS Credit

Terms & Conditions

Card Features

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.

Earn Aeroplan points that you can redeem in a variety of ways.

  • 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.
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

  • Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
  • Enjoy access to select Air Canada Maple Leaf Lounges for you and a guest, and Air Canada Café; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight
  • Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
  • Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
  • If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
  • 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.
  • Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
  • Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
  • Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
  • Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

FAQ

Where can you use your American Express® Aeroplan®* Business Reserve Card in Quebec or Canada?

You can use your American Express® Aeroplan®* Business Reserve Card at grocery stores like Métro, Super C, Safeway, Whole Foods, your Couche-tard or 7Eleven convenience store, your favourite gas station like Esso, Shell, Petro-Canada or any travel provider!

What is the welcome bonus for the American Express® Aeroplan®* Business Reserve Card?

You can earn up to 90,000 Aeroplan points as a welcome bonus.

How do I earn points with this Card?

Earn 3 points per dollar on Air Canada purchases, 2 points on accommodations and car rentals, and 1.25 points on other purchases.

What advantages does the card offer in terms of travel?

Access to airport lounges, a free first checked bag, and benefits at Toronto Pearson Airport.

What are the upgrade options and benefits of Review?

Car upgrades, fast service, and more with Review’s President’s Club.

What are the American Express® Aeroplan®* Business Reserve Card rewards for Air Canada flights?

Get benefits such as eUpgrades, priority on the flight waiting list and discounted award fares.

How does the Aeroplan partner rewards program work?

Double your points by paying with the card and presenting your Aeroplan number at more than 150 partners and 120 online retailers of Aeroplan eStore.

What are the advantages of the American Express® Aeroplan®* Business Reserve Card about Air Canada Maple Leaf Lounges?

The card offers access to selected Air Canada Maple Leaf lounges and Air Canada Café in North America, on presentation of a ticket for a same-day departure flight with Air Canada or Star Alliance.

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