Is the Amex Aeroplan Business Reserve Card Card Worth It?

This review covers the American Express Aeroplan Business Reserve Card, which is perfect for business owners who frequently fly with Air Canada. This premium card combines valuable travel perks, generous rewards, and business tools to simplify expenses and enhance travel. With its extensive benefits, it’s a strong choice for high-spending Canadian business travellers.

Ready to experience the ultimate business travel card?
Apply now for the Amex Aeroplan Business Reserve Card.

Review of Key Features for the Aeroplan Business Reserve Card

Earn Points Faster

• 3x Points on Air Canada Purchases: Earn 3 Aeroplan points per $1 spent on eligible purchases directly with Air Canada, including flights. Exclusions apply to purchases made through third-party websites, travel agents, and vacation packages.
• 2x Points on Hotels & Car Rentals: Earn 2 Aeroplan points per $1 spent on eligible hotel and car rental bookings directly with providers or through Amex Travel.
• 1.25x Points on Everything Else: Earn 1.25 Aeroplan points per $1 on all other eligible purchases.

Welcome Bonus: Up to 90,000 Aeroplan Points

• Earn up to 90,000 Welcome Bonus Aeroplan®* points
• Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express® Aeroplan®* Business Reserve Cardmember.
• Plus, earn 25,000 Aeroplan points when you spend $3,500 in month 13.

Get up to 90,000 Aeroplan points today and unlock the ultimate travel rewards.

Want to compare this offer to other cards? Learn more about the best Amex welcome bonuses available right now.

Business Benefits

The Aeroplan Business Reserve Card isn’t just about travel—it’s a valuable tool for managing business expenses:

• Flexible Payment Options: Pay off balances over time or in full, depending on cash flow needs.
• Detailed Expense Reports: Quarterly and annual summaries simplify accounting and help you track spending.
• Supplementary Cards for Employees: Add no-fee cards for essential spending or upgrade to premium cards for additional perks.

Premium Travel Perks

Elevate every trip with exclusive travel benefits:

• Annual Worldwide Companion Pass: Earn a discounted companion pass when you spend $25,000 annually.
• Priority Services: Includes priority check-in, boarding, and baggage handling on Air Canada flights.
• Maple Leaf Lounge Access: Enjoy a comfortable pre-flight experience with complimentary refreshments and Wi-Fi.
• Preferred Pricing: Save on Aeroplan flight rewards with exclusive cardholder discounts.
• First Checked Bag Free: Save on baggage fees for up to 9 people on the same reservation.
• Toronto Pearson Perks: Enjoy priority security, valet parking, and discounted car services.
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
• Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC.

Changes Coming in 2027: Under the old benefit, cardholders could roll over unused Status Qualifying Miles (SQM) and unused eUpgrade Credits to the following year, and earn 1,000 SQM + 1 SQS for every $5,000 in eligible spend.

The updated benefits starting in 2027 now give eligible Basic Cardmembers with Aeroplan Elite Status a 10% head start toward next year’s qualification based on the previous year’s Status Qualifying Credits (SQC), continue eUpgrade credit rollover, and convert the spend benefit to 1,000 SQC per $5,000 up to 25,000 SQC annually.

Because the new head-start replaces the full SQM rollover with a much smaller 10% fraction, and because SQC replaces the dual SQM+SQS structure, everyday spend contributes less toward status than before.

Overall this represents a devaluation of the card’s status-earning and rollover benefits, even though eUpgrade rollover remains.

Apply now for premium travel perks and enjoy a smoother journey with Air Canada.

Comprehensive Insurance Coverage

Travel worry-free with the Aeroplan Business Reserve Card’s extensive insurance benefits:

• Emergency Medical Insurance: Up to $5,000,000 in coverage for eligible medical expenses during trips up to 15 days (for those under 65).
• Trip Cancellation & Interruption Insurance: Up to $1,500 per person for cancellations and interruptions due to covered reasons.
• Flight & Baggage Insurance: Coverage of up to $1,000 for delays, lost luggage, or damage.
• Purchase Protection: Protects eligible purchases for up to 90 days against theft or damage.
• Car Rental Insurance: Automatically covers rental cars valued up to $85,000 when charged to your card.

Fees and Eligibility

• Annual Fee: CA$599
• Supplementary Card Fees: $199 for full benefits; no-fee options available.
• Foreign Transaction Fee: 2.5%
• Eligibility Requirements:
  • Credit Score: 670+ recommended.
  • Business Revenue: Suggested minimum revenue of $50,000 annually.
  • Other: Must provide business details, including registration and revenue information.

Check if you’re eligible and apply today.

Who Should Get the Amex Aeroplan Business Reserve Card?

This card is ideal for:

• Frequent Air Canada Flyers: Maximize rewards and enjoy exclusive perks like lounge access and preferred pricing.
• Canadian Business Owners with High Spending: With accelerated earn rates and detailed expense tools, this card helps optimize business expenses.
• Travellers Who Value Insurance: Robust coverage ensures peace of mind for everything from trip cancellations to emergency medical needs.

Start earning 3x points on Air Canada today.

Final Thoughts

The Amex Aeroplan Business Reserve Card is an excellent choice for Canadian business owners who frequently travel with Air Canada. While the annual fee is steep, the card’s premium benefits, high rewards rates, and comprehensive insurance make it worth the investment for frequent travellers. If your business spending aligns with the earning categories, this card offers exceptional value.

Don’t wait—apply for the Amex Aeroplan Business Reserve Card today and unlock a world of travel rewards.