Illustration, not the actual card design.
Amex · Earns Aeroplan points · Business card
American Express Aeroplan Business Reserve Card
Annual fee
$599
Welcome offer
Up to 90,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $10,500 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$471
+$650 welcome bonus
+$420 yearly credits
−$599 fee
Year 2
$71
+$250 welcome bonus
+$420 yearly credits
−$599 fee
Every year after
−$179
Costs $179 a year until your spending covers it.
Plus 20 benefits with no fixed dollar value, like NEXUS Statement Credit, 4th Hotel Night Free and Maple Leaf Lounge Access. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. If you have or have had this card, Amex may still approve you, but you won't get the offer. You may also not get it if you have already received Aeroplan welcome points for a card of this type from another issuer.
90,000 points: worth $900 at 1¢ a point, or up to $1,800 on travel (2¢ a point). How that works
- 1Spend $10,500 in your first 3 months65,000 pts≈ $650 est.Year 1
- 2Spend $3,500 in month 1325,000 pts≈ $250 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Aeroplan points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Air Canada | 3 pts per $ | 3¢ |
| Hyatt Hotels | 2.5 pts per $ | 2.5¢ |
| Marriott Hotels | 2 pts per $ | 2¢ |
| Everything else | 1.25 pts per $ | 1.25¢ |
What else you get
Statement credits
- Instacart Monthly Credit$20/mo
Two $10 credits a month for two separate $10+ Instacart.ca orders, up to $240 a year
up to $240/yrEnroll first - NEXUS Statement Credit$100
Up to $100 back on NEXUS application or renewal fees charged to the Card
Worth about US$120 per application · CBSA's price, 5-year membership; non-refundable, checked Oct 2026
Every few years
Perks
- Free First Checked Bag$180/yr
Air Canada flights: first checked bag (23 kg) free for you and up to 8 companions on one booking; valued at $180 a year (2 people, 1 round trip)
Worth about $45 per bag, each way · Air Canada's price, Economy Basic or Standard fare, within Canada and to or from the U.S., before tax (Flex fares include one free), checked Oct 2026
- 4th Hotel Night Free
One extra night free for every 3 hotel nights redeemed with Aeroplan points
Every booking - Maple Leaf Lounge Access
Air Canada Maple Leaf Lounges and Cafés in Canada and the US for you plus one guest, when flying Air Canada
- Priority Check-in and Boarding
Priority check-in, Zone 2 boarding, priority baggage and priority standby for you and up to 8 companions
Every flight
Insurance · 12
- Emergency Medical Insurance
Out-of-province emergency medical, up to $5,000,000, first 15 days of a trip, age 64 or under
- Trip Cancellation Insurance
Non-refundable travel cancelled for a covered reason, up to $1,500 per person, $3,000 per trip
- Trip Interruption Insurance
Unused travel when a trip is interrupted, up to $1,500 per person, $6,000 per trip
- Flight Delay Insurance
Meals, lodging and essentials when a flight is delayed 4+ hours or boarding is denied, up to $1,000 combined with baggage delay
Show all 12Show fewer
- Baggage Delay Insurance
Emergency clothing and essentials when checked bags are 6+ hours late, up to $1,000 combined with flight delay
- Lost Baggage Insurance
Checked or carry-on bags lost or damaged in transit, up to $1,000 per trip for all insured persons
- Car Rental Theft and Damage Insurance
Theft, loss or damage to a rental car with MSRP up to $85,000, rentals of 48 days or less
- Hotel Burglary Insurance
Personal items stolen from a broken-into hotel room, up to $1,000 (cash excluded)
- Travel Accident Insurance
$500,000 accidental death and dismemberment when common carrier tickets are fully charged to the Card
- Purchase Protection
Accidental damage or theft of eligible items for 90 days from purchase, up to $1,000 per occurrence
- Extended Warranty
Extends the manufacturer's warranty by up to 1 extra year on eligible new items charged in full to the Card
- Employee Card Misuse Protection
Unauthorized charges by an employee on a Supplementary Card, up to $100,000 per Basic Cardmember
Status
- Aeroplan Elite Status Boost
1,000 Aeroplan SQC per $5,000 in eligible net purchases, up to 25,000 SQC per year
- Avis President's Club
Complimentary upgrade to Avis President's Club
Enroll first - World of Hyatt Discoverist Status
Complimentary Discoverist plus 5 Tier-Qualifying Night Credits and 2 status challenge attempts a year
Enroll first
Awards
- Annual Companion Pass
Buy a companion Air Canada economy ticket at a fixed base fare from $99 to $599 plus taxes and fees
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Amex. Card and program names belong to their owners.
Details last checked Sep 28, 2026.