Top Pick
Travel Rewards
Business
Premium / High-End
American Express Aeroplan Business Reserve Card
American Express(Canada)
Current Welcome Offer
Up to 90,000 Welcome Bonus Aeroplan points
Annual Fee
$599
Purchase APR
21.99%
Cash Adv. APR
21.99%
Welcome Bonus
~$1800
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 & Takeout 1.25%
Gas & Transit 1.25%
Travel 3.00%
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.
- Air Canada & Air Canada Vacations: 3X Aeroplan Points
- Hotels & Car Rentals: 2X Aeroplan Points
- All Other Purchases: 1.25X Aeroplan Points
Welcome Bonus Details
Includes Annual Worldwide Companion Pass and 1,000 Status Qualifying Credits.
Estimated Value: $1800.00
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 LineĀ® 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)
Additional Perks
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Insurance Coverage
Employee Card Misuse Protection
Up to $100,000 of coverage for eligible unauthorized charges by employees.
Emergency Medical Insurance
Up to $5,000,000 for the first 15 days (under age 65).
Trip Cancellation/Interruption
Cancellation: Up to $1,500/person (max $3,000). Interruption: Up to $1,500/person (max $6,000).
Flight and Baggage Delay
Flight/Boarding Denial (>4 hours): Up to $1,000. Baggage Delay (>6 hours): Up to $1,000.
Car Rental Theft & Damage
Coverage for MSRP up to $85,000 for rentals of 48 days or less.
Hotel Burglary & Lost Baggage
Burglary: Up to $1,000. Lost/Stolen Baggage: Up to $1,000 per trip.
Travel Accident Insurance
Up to $500,000 of Accidental Death and Dismemberment Insurance.
Purchase Protection & Buyer's Assurance
Protection for 90 days (up to $1,000). Extended warranty doubles up to one additional year.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 21.99% |
| Annual Fee | $599 |
| Supplementary Card | $199.00 |
| Income Required | No specific requirement listed. |