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Aeroplan Business Reserve Card
CANADA CREDIT CARD

Aeroplan Business Reserve Card

American Express Canada · Annual fee CA$599 CAD · Aeroplan Points · data refreshed October 3, 2026

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

CategoryRateTrue cash-back value
Air Canada3x3.9%
Hotels2x2.6%
Car Rental2x2.6%
Everything else1.25x1.625%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (1)

$100 NEXUS Credit

CA$25/yr
Every 4 years

Up 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/yr
Annual

Complimentary 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/yr
Annual

Out-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/yr
Annual

Rental 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/yr
Annual

Trip 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/yr
Annual

Trip 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/yr
Annual

Baggage 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/yr
Annual

Flight 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/yr
Annual

Purchase 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/yr
Annual

Extended 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/yr
Annual

Travel 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/yr
Annual

Hotel/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/yr
Annual

Complimentary 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/yr
AnnualResets on card anniversary

Earn 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/yr
Annual

Receive 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/yr
Annual

Priority 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

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.