American Express Aeroplan Business Reserve Card
Travel Rewards Business Premium / High-End

American Express Aeroplan Business Reserve Card

American Express(Canada) American Express(Canada)
Welcome Bonus: Up to 90,000 Welcome Bonus Aeroplan points
Annual Fee $599
Purchase APR 21.99%
Cash Advance 21.99%
Bonus Value $1,800

RateBuddy Verdict

The Good
  • Offers unlimited Air Canada Maple Leaf Lounge access in North America, a massive benefit for frequent business travelers.
  • The Annual Worldwide Companion Pass provides extreme value for businesses needing to send multiple people on flights.
  • Includes $100,000 Employee Card Misuse Protection, giving business owners peace of mind when issuing supplementary cards.
The Trade-offs
  • The $599 annual fee is high and requires consistent Air Canada travel to fully realize the card's value.
  • Additional "Reserve" employee cards cost $199 each, making it expensive to scale for larger teams.

Rewards & Earnings

Groceries 1.25%
Dining 1.25%
Gas 1.25%
Travel 3%
Recurring Bills 1.25%
Base Rate 1.25%
Rewards Summary: Earn 3X points on Air Canada & Air Canada Vacations; 2X points on hotels and car rentals; 1.25X points on everything else.

Welcome Bonus Details

Includes Annual Worldwide Companion Pass and 1,000 Status Qualifying Credits.

Estimated Value: $1,800

Features & Benefits

Airport Lounge Access
Maple Leaf Lounge access (North America)
Travel Medical Insurance
Up to $5,000,000 for 15 days (under 65)
Free Checked bag
Free first checked bag for up to 8 companions
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Trip Cancellation/Interruption Insurance
Trip Cancellation up to $1,500/person
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
NEXUS Application Fee Rebate
$100 NEXUS statement credit every 4 years
Flight Delay Insurance
Flight delay up to $1,000
Baggage Delay/Loss Insurance
Baggage delay up to $1,000
Priority Airport Services (Check-in, Boarding)
Priority Check-In, Boarding & Baggage Handling
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Common Carrier Accident Insurance
Travel Accident Insurance up to $500,000
Hotel/Motel Burglary Insurance
Hotel Burglary up to $1,000
Expense Management Tools
Expense Management tools & payment flexibility
Employee Cards
Employee Card Misuse Protection ($100k)

Insurance Coverage

Comprehensive suite: Emergency Medical ($5M, 15 days), Trip Cancel/Interrupt, Flight/Baggage Delay, Car Rental Theft/Damage, Employee Card Misuse Protection ($100k), and shopping protections.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR21.99%
Annual Fee$599
Supplementary Card Fee$199
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Business Premium / High-End Rewards
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