The American Express Aeroplan Business Reserve Card is the best Aeroplan business credit card, offering an excellent earn rate, airport lounge access, an extensive insurance package, and an incredibly valuable welcome bonus.
Especially if you're loyal to Air Canada for your business flights, this Amex can provide value that rivals the best business credit cards in the country.
This article reviews and assesses the top business card options from Aeroplan, including those issued by Amex, CIBC, and TD. We compare them head-to-head, then study them against other top business cards from networks and issuers.
Key Takeaways
- With by far the most earning power, the best Aeroplan business credit card is the American Express Aeroplan Business Reserve Card.
- Aeroplan business credit cards are issued by American Express, TD, and CIBC.
- Aside from earning Aeroplan points, these business credit cards include benefits like free checked bags with Air Canada and access to various airport lounges.
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Overview of the best Aeroplan business credit cards
First, here's a summary of your Aeroplan business credit card choices. Aeroplan has three banks that issue Aeroplan credit cards, and each offers a business Aeroplan credit card.
We'd like to point out that while two of the cards in the following table aren't technically Aeroplan cards, you can easily transfer your Amex points to Aeroplan (and they retain their value).
| Card name | Welcome bonus | Earn rates | Annual fee | Learn more |
|---|---|---|---|---|
| American Express Aeroplan Business Reserve Card | Up to 90,000 bonus points (terms) | * 3 points per $1 spent on Air Canada * 2 points per $1 spent on hotels and car rentals * 1.25 points per $1 spent on all other purchases | $599 | Learn more |
| CIBC Aeroplan Visa Business Card | Up to 60,000 bonus points (terms) | * 2 points per $1 spent on Air Canada * 1.5 points per $1 spent on shipping, internet, cable, phone services, travel, and dining * 1 point per $1 spent on all other purchases | $180 | Learn more |
| TD Aeroplan Visa Business Card | Up to 20,000 bonus points (terms)Up to | * 2 points per $1 spent on Air Canada * 1.5 points per $1 spent on travel, transit, dining, EV charging, business purchases * 1 point per $1 spent on all other purchases | $149 | Learn more |
| The Business Platinum Card from American Express | Up to 120,000 bonus points (terms) | * 1.25 points per $1 spent on all purchases | $799 | Learn more |
| American Express Business Gold Rewards Card | Up to 70,000 bonus points (terms) | * 1 point per $1 spent on all other purchases * 10,000 bonus points every quarter you spend $20,000 | $199 | Learn more |
The overall best Aeroplan business credit card: American Express® Aeroplan®* Business Reserve Card
Let's start with the ultra-premium American Express Aeroplan Business Reserve Card. This card is an upper-tier Aeroplan business credit card that earns you:
- 3 points per $1 spent on Air Canada
- 2 points per $1 spent on hotels and car rentals
- 1.25 points per $1 spent on all other purchases
Spending $3,000 per month would give you 48,150 Aeroplan points per year.
As for Air Canada benefits, here are a few examples of the perks you'll enjoy:
- Preferred Pricing on reward flights
- Free first checked bag
- Unlimited Maple Leaf lounge access
- Priority check-in, boarding, and baggage handling
- Annual companion voucher when you spend $25,000 annually
Preferred Pricing is available on all Aeroplan-branded credit cards and is an easy way to save on the points required for Aeroplan flight rewards. There are also easy savings with free checked bags, priority airport services to help skip lines, and Maple Leaf lounge access to relax while you wait for your flight.
The list of insurance coverage offered by this card is impressive: American Express Aeroplan Business Reserve Card different types.
With a hefty $599 annual fee, though, this card may make you pause before applying. It can certainly be worthwhile for many business users, but take time to ensure that its many benefits outweigh its cost.
CIBC Aeroplan business credit card
The CIBC Aeroplan Visa Business Card has a much lower annual fee, but earns a little less than the Amex card mentioned above. Instead, users earn:
- 2 points per $1 spent on Air Canada
- 1.5 points per $1 spent on shipping, internet, cable, phone services, travel, and dining
- 1 point per $1 spent on all other purchases
Plus, the welcome bonus of up to 60,000 Aeroplan points is an excellent way to get started earning.
The Air Canada benefits are pared back for this CIBC credit card, but you'll still enjoy Preferred Pricing on reward flights (from time to time), free first checked bags when flying Air Canada, and free Maple Leaf Lounge access. The number of passes you get depends on how much you spend every year – you'll get one pass for every $10,000 in annual purchases, up to a maximum of four passes per year.
While we couldn't call this card's insurance package extensive, it certainly covers more than the basics. It's CIBC Aeroplan Visa Business Card types of coverage include trip cancellation, baggage delay, rental car theft and damage, and more.
TD Aeroplan business credit card
For an annual fee of $149 – which is waived for the first year – the TD Aeroplan Visa Business Card earns these rewards:
- 2 points per $1 spent on Air Canada
- 1.5 points per $1 spent on travel, transit, dining, EV charging, business purchases
- 1 point per $1 spent on all other purchases
The Air Canada and travel privileges include a free checked bag for the cardholder and 8 others on the same reservation, Maple Leaf lounge access, and complimentary upgrades with Avis car rentals. There's also a $100 rebate on the NEXUS application fee, offered every 2 years.
On top of this, you can also earn 50% more points at Starbucks Stars when you link your TD card with your Starbucks account. (Plus, Starbucks lovers will appreciate that Aeroplan points can be converted to Starbucks Stars.)
While not the most comprehensive, this TD credit card has a solid insurance package, with CIBC Aeroplan Visa Business Card types of coverage.
American Express Membership Rewards cards
American Express also offers business cards that earn Amex Membership Rewards, which are easily converted to Aeroplan points at an excellent rate.
These cards allow you to transfer your points 1:1 to Aeroplan. And, really, the beauty of these Ames cards is that you aren't just limited to booking rewards travel with Air Canada – you have plenty of other valuable options.
These are your other choices:
- Transfer to 6 other airline programs
- Transfer to Marriott and Hilton
- Fixed Points Travel program
- Flexible Points Travel program
- Cash back
- Gift cards
- Merchandise with points
Here's an overview of the two Amex business cards that allow transfers to Aeroplan:
The Business Platinum Card® from American Express
As an ultra-premium card, The Business Platinum Card from American Express offers a wide range of perks, from a welcome bonus worth up to $2,400, to Platinum Portal access for assistance with all your travel needs. The insurance package includes 12 types of coverage for complete peace of mind.
You'll also enjoy kicking back in any of the 1,400 spaces included in the American Express Global Lounge Collection. Plus, you have access to the Amex Hotel Collection and, when you book seats through Amex Travel, you'll get discounts on select business and first-class seats.
Cardholders earn a simple 1.25 points per $1 spent on all purchases. Converted from Amex Membership Rewards, this turns into 45,000 in Aeroplan points per year.
There is the annual fee of $799 to consider, but take advantage of the incredible benefits it offers, and this card will reward you in spades while travelling.
American Express® Business Gold Rewards Card
With a much lower $199annual fee, the American Express Business Gold Rewards Card is another Amex Rewards to consider.
Its rewards are a bit pared back, but with a surprising twist:
- 1 point per $1 spent on all other purchases
- 10,000 bonus points every quarter you spend $20,000
That quarterly bonus is surprisingly generous – worth up to $200 (you can use our Amex Membership Rewards calculator to see for yourself). And if you spend $3,000 each month, you're looking at earning about 36,000 Aeroplan points per year.
The insurance package isn't huge, but with 9 types of coverage, there's not much to worry about.
How to choose an Aeroplan business credit card
In order to choose the right Aeroplan business card for your company, you'll need to compare earn rates, perks, annual fees, and more.
Here's a look at how the top five Aeroplan business cards compare in these areas:
1. Earn rates
Most of us are most interested in the rewards credit cards offer.
Here's how many Aeroplan points you can earn per year for all of them if you regularly spend $3,000 per month:
With one exception, the Amex cards have the advantage, with the TD and CIBC cards taking the middle ground in terms of rewards.
2. Perks included
Based on our study of perks, here's the dollar value of each card's package:
American Express is known for its perks, as this chart definitely shows.
We should note that these numbers are a few years old, so the specific values might be different right now, but the size of the perks packages remains the same.
3. Annual fee
Finally, here's a look at how the annual fees compare for all our featured Aeroplan business cards:
It seems there is a significant price to pay for those fancy Amex cards. It's up to you to decide if it's worth it.
FAQ
Is there an Aeroplan business credit card?
Yes, there are several Aeroplan business credit cards available for Canadians. Aeroplan works with the American Express and Visa networks to offer business cards issued by American Express, CIBC, and TD. The cards have similar benefits, but other details differ, including annual fees, insurance, and earn rates.
What's the best Aeroplan business credit card?
The overall best Aeroplan business card is the American Express Aeroplan Business Reserve Card, thanks to its very high earn rate and premium travel perks. Of course, the best Aeroplan card for your business depends on factors unique to your company's needs. While some businesses might benefit from a premium card, your best option might be a more basic one.
Which Aeroplan card gives lounge access?
Yes, all Aeroplan business cards get you into Maple Leaf Lounges – although depending on the card, you may need to pay the entrance fee. Some cards offer access to other lounge networks as well. Read your card's terms to see the exact terms and conditions.
What is the best card for business travel points?
The top-of-the-line American Express Aeroplan Business Reserve Card gives the highest earn rates of any Aeroplan business card. On top of the impressive welcome bonus of up to 60,000 Aeroplan points, cardholders enjoy an average earn rate of 2.68%. Based on $3,000 per month in spending, this works out to 48,150 points per year.
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