Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
American Express Aeroplan Business Reserve Card
Our take: strongest for travel — about 4% back in value (est.) for $599 a year, plus a welcome bonus we value at roughly $1,800.
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The Aeroplan Business Reserve Card pairs premium Air Canada travel perks — lounge access, a companion pass, priority boarding — with accelerated Aeroplan earning on business travel spend. It’s built for business owners who fly Air Canada regularly and can put the fee to work through lounge visits and status acceleration.
MoneyMint rating
#4 of 15 business cards · How we rate
≈ $1,852
estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. Compare all 15 business cards →
Not Sure? Three Cards People Compare It With
Neo World Elite Mastercard
Pick this instead if you want a lower annual fee ($149).
Fee $149Rating 3.5 ★
TD Aeroplan Visa Infinite Card
Pick this instead if you want a lower annual fee ($139).
Fee $139Rating 4.4 ★Bonus $1,000
Further Reading
American Express Aeroplan Business Reserve Card
Best for travel · $599/year · ~$1,800 welcome bonus (est.)
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by American Express and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the American Express Aeroplan Business Reserve Card?
The American Express Aeroplan Business Reserve Card has an annual fee of $599/year for the primary card; $199/year for a full-benefit additional card, or $0 for a reduced-benefit “No Fee” additional card.
What is the rewards rate on the American Express Aeroplan Business Reserve Card?
The American Express Aeroplan Business Reserve Card offers: 3 points/$1 on Air Canada and Air Canada Vacations; 2.5 points/$1 at participating Hyatt hotels; 2 points/$1 on hotel and car rental purchases; 1.25 points/$1 on everything else — no published annual caps found on any tier
Does the American Express Aeroplan Business Reserve Card have a welcome bonus?
Up to 90,000 Aeroplan points 65,000 points after $10,500 in spend in the first 3 months, plus 25,000 points after $3,500 in spend in month 13. These figures are from Amex’s own card page and were checked on September 14, 2026. Amex offers can change without notice, so confirm the live terms on amex.ca before applying.
What credit score do I need to qualify for the American Express Aeroplan Business Reserve Card?
Generally, you’ll want an excellent credit score to be considered for the American Express Aeroplan Business Reserve Card. Approval also depends on income and overall credit history, not credit score alone.
Does the American Express Aeroplan Business Reserve Card charge foreign transaction fees?
2.5% (not explicitly published on Amex’s FX FAQ page, but consistent with the standard rate reported across Amex Canada cards)