Aeroplan Business Reserve Card
Quick answer: The Aeroplan Business Reserve Card carries a CA$599 annual fee and 16 catalogued benefits, 1 of them dollar credits worth CA$25 a year at face value; its best earning category is Air Canada at 3x. Welcome offer: Earn up to 90,000 Aeroplan points: 65,000 points after spending $10,500 in the first 3 months, plus 25,000 additional points upon spending $3,500 in month 13.. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Air Canada | 3x | 3.9% |
| Hotels | 2x | 2.6% |
| Car Rental | 2x | 2.6% |
| Everything else | 1.25x | 1.625% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Credits (1)
$100 NEXUS Credit
CA$25/yrUp to $100 CAD in statement credits every four (4) years for NEXUS program application or renewal fees charged to the card. NEXUS provides expedited border crossing between Canada and the United States.
Status & Elite Perks (1)
Maple Leaf Lounge Access
CA$200/yrComplimentary access to Air Canada Maple Leaf Lounges for the cardholder and one guest. Passengers must have a same-day boarding pass for an Air Canada or Star Alliance member airline flight to access the lounge.
Protections (10)
Travel Emergency Medical Insurance
CA$75/yrOut-of-province/country emergency medical insurance providing up to $5,000,000 in coverage for the first 15 days of any trip, for cardholders under age 65. Coverage includes emergency medical treatment, hospitalization, and emergency evacuation.
Rental Car Insurance
CA$75/yrRental car collision and loss damage insurance for vehicles with an MSRP of up to $85,000, for rental periods up to 48 consecutive days. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.
Trip Cancellation Insurance
CA$50/yrTrip cancellation insurance providing up to $1,500 per insured person, with a maximum of $3,000 for all insured persons combined per trip. Covers non-refundable prepaid travel expenses when a trip must be cancelled due to covered reasons. Travel must be charged to the card.
Trip Interruption Insurance
CA$50/yrTrip interruption insurance providing up to $1,500 per insured person, with a maximum of $6,000 for all insured persons combined per trip. Covers additional expenses incurred when a trip is interrupted due to covered reasons. Travel must be charged to the card.
Baggage Insurance
CA$25/yrBaggage insurance providing up to $1,000 for emergency purchases when baggage is delayed (6+ hours) or up to $1,000 total for lost or stolen baggage during a trip where the common carrier fare was charged to the card.
Flight Delay Insurance
CA$25/yrFlight delay insurance providing up to $1,000 for reasonable expenses including meals, accommodations, and essential items in the event of a flight delay of 4 or more hours, when the fare is charged to the card.
Purchase Protection
CA$25/yrPurchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence.
Extended Warranty
CA$25/yrExtended warranty coverage that doubles the original manufacturer's warranty period by up to one additional year. Items must be purchased entirely with the card.
Travel Accident Insurance
CA$10/yrTravel accident insurance providing up to $500,000 in accidental death and dismemberment coverage when the full fare for a common carrier (airline, train, bus, etc.) is charged to the card.
Hotel Burglary Insurance
CA$10/yrHotel/motel burglary insurance providing up to $1,000 per occurrence for loss of personal property due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.
Other (4)
Free First Checked Bag
CA$200/yrComplimentary first checked bag on Air Canada operated flights for the cardholder and up to 8 travel companions on the same booking. Applies to domestic and international Air Canada flights.
Air Canada Companion Pass
CA$200/yrEarn an Air Canada Worldwide Companion Pass when you spend $25,000 or more in net purchases before your card anniversary date. The pass allows a companion to fly with you for a variable base fare ($99-$599 CAD depending on destination) plus taxes and fees.
Fourth Night Free
CA$100/yrReceive an extra night free for every 3 hotel nights redeemed with Aeroplan points, across 300,000+ properties worldwide. Effectively a fourth night free benefit on hotel Aeroplan redemptions.
Priority Check-in & Zone 2 Boarding
CA$50/yrPriority check-in at Air Canada counters, Zone 2 priority boarding, and priority baggage handling on Air Canada operated flights.
How to track it
Add the Aeroplan Business Reserve Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.
Other American Express Canada cards
- Amex Centurion Card (CA) · CA$2,500 · 21 benefits
- Amex Platinum Card · CA$799 · 16 benefits
- Business Platinum Card · CA$799 · 18 benefits
- Aeroplan Reserve Card · CA$599 · 16 benefits
- Gold Rewards Card · CA$250 · 15 benefits
- Business Gold Rewards Card · CA$199 · 9 benefits
- Amex Cobalt Card · CA$191.88 · 12 benefits
- Amex Marriott Bonvoy Business (CA) · CA$150 · 10 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.