Pros & cons
Pros
- Get up to 90,000 welcome bonus Aeroplan points.
- Earn up to 3 Aeroplan points per $1 spent on purchases.
- Free checked bags when flying with Air Canada.
- Preferred pricing on Aeroplan flight awards.
- Unlimited access to Maple Leaf lounges when flying with Air Canada.
- 11 types of insurance included.
Cons
- Lower acceptance as an American Express.
- Only high value rewards are redeeming for Air Canada flights.
- High annual fee of $599.
Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With American Express Aeroplan Business Reserve Card, here's how you earn rewards:
- 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
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For American Express Aeroplan Business Reserve Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Flights | $642 | |
| Air Canada Gift Cards | $321 | |
| Car rentals | $289 | |
| Vacation packages | $266 | |
| Hotels | $263 | |
| Merchandise | $238 | |
| Gift Cards | $228 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Flights | 2 cents | $20 |
| Air Canada Gift Cards | 1 cent | $10 |
| Car rentals | 0.9 cents | $9 |
| Vacation packages | 0.83 cents | $8 |
| Hotels | 0.82 cents | $8 |
| Merchandise | 0.74 cents | $7 |
| Gift Cards | 0.71 cents | $7 |
Calculating your annual rewards
$24,000 annual spending x 2.68% return on spending = $642 annual rewards
$642 annual rewards − $599.00 annual fee = $43 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $599.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance
- 21.99%
- Balance Transfer
- N/A
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $500,000
- Emergency Medical Term
- 15 days
- Trip Cancellation
- $1,500
- Trip Interruption
- $1,500
- Flight Delay
- $1,000
- Baggage Delay
- $1,000
- Lost or Stolen Baggage
- $1,000
- Hotel Burglary
- $1,000
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
American Express Aeroplan Business Reserve Card's 3.0 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Key benefits
User reviews
Reviewed by 2 Canadians
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I'm a long time personal Amex user and added this card for my business. It has been nothing but problems since day 1. Points never get credited, customer service levels have dropped so dramatically it's hard to believe, no follow through on complaints. Save yourself the hassle and skip this headache of a card.
no worth the money I will not renew my card when it expires
