American Express Aeroplan Business Reserve Card
AMERICAN EXPRESSFor business spending
American Express Aeroplan Business Reserve Card
8.4Canada Cards ScoreExcellentWelcome bonus
~$2520
Earn up to 120,000 Welcome Bonus Aeroplan points
Why get this card
- ✓Big welcome bonus worth ~$2520
- ✓Bonus covers 4× the annual fee
- ✓Earn 3x on air canada
Pros
- +Big welcome bonus worth about $2520
- +Strong 3x earn on air_canada
Cons
- -Steep $599 annual fee
- -High 21.99% purchase interest rate
- -No insurance coverages captured
Earn rates
- air_canada3x
Earn 3 points for every $1 spent on eligible Air Canada and Air Canada Vacations purchases.
- hotel_car_rental2x
Earn 2 Aeroplan points on eligible hotel and car rentals.
- all_other1.25x
Earn 1.25 Aeroplan points on everything else.
Welcome offer
Earn up to 120,000 Welcome Bonus Aeroplan points
- Est. cash value
- ~$2520
- Bonus points
- 120,000
- Minimum spend
- $10,500
- Spend window
- 90 days
- Offer ends
- —
Earn Welcome Bonus Aeroplan points after spending $10,500 on your Card within the first 3 months, plus additional points when you spend $3,500 in month 13, for up to 120,000 points. Current or former Cardmembers with this Card are not eligible.
Is this a record high? See the bonus history →Fees
- Annual fee
- $599
- Additional card
- $199
- Foreign transaction fee
- —
$599 annual fee for Aeroplan Business Reserve Cards. $199 for additional Aeroplan Business Reserve Cards; $0 for Aeroplan Business Reserve No Fee Cards.
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 21.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- Aeroplan points
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.4Excellent- Everyday earn rateWeight 30
3x on air_canada (≈6.3¢/$)
- Welcome valueWeight 25
~$2520 estimated
- Annual-fee valueWeight 20
$599 annual fee
- Benefits depthWeight 15
0 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the American Express Aeroplan Business Reserve Card worth it?
- It carries a $599 annual fee and a welcome offer worth about $2520, for an estimated first-year value of +$1921. Big welcome bonus worth ~$2520. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the American Express Aeroplan Business Reserve Card?
- The annual fee is $599. The purchase interest rate is 21.99% and the cash advance rate is 21.99%. These are sourced from American Express's official page.
- What rewards does the American Express Aeroplan Business Reserve Card earn?
- It earns up to 3x on air canada, in Aeroplan points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from American Express's own pages. Last checked 2026-06-13.
Cited, never sponsored
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