Highlights

  • Eligible purchases charged directly with Air Canada and Air Canada Vacations earn 3 Aeroplan points; eligible hotel and car-rental purchases earn 2x.
  • Basic Card annual fee CAD 599. After more than CAD 25,000 in annual net purchases, you receive an Annual Worldwide Companion Pass.
  • Eligible Cardmembers can use Maple Leaf Lounge™ / Air Canada Café in Canada and the United States, plus a free first checked bag, priority check-in, Zone 2 boarding and priority baggage handling.
  • Every CAD 5,000 in eligible net purchases earns 1,000 Status Qualifying Credits (SQC), up to 25,000 SQC combined per Aeroplan member per year.
American Express® Aeroplan®* Business Reserve Card

Issuer: American Express
Network: Amex
Card type: Business credit card
Annual fee: CAD 599 for the Basic Card; CAD 199 per eligible Supplementary Card, CAD 0 for the no-fee Supplementary Card
Foreign transaction fee: Not disclosed by the bank in the audited official sources

Rewards are Aeroplan® points

Welcome offer

【August 28, 2026 update】 90,000 Aeroplan points

  • Earn 65,000 Aeroplan points after CAD 10,500 in purchases in the first three months.
  • Earn another 25,000 Aeroplan points after CAD 3,500 in purchases during month 13 of Cardmembership.
  • New American Express® Aeroplan®* Business Reserve Cardmembers only. Current or former holders may be approved but are not eligible. You may also be ineligible if you previously received a welcome bonus or other incentive Aeroplan points on an Aeroplan Card of the same category from another issuer. The account must remain in good standing.
  • Interest, annual and other fees and cash-equivalent transactions do not count. Returns or refunds can mean a threshold is no longer met. Amex says to allow up to eight weeks after you earn the points for the Aeroplan account to update. Offers can change at any time.

Referral application link 🔗

Past welcome offers

【May 2025 update】 Up to 140,000 miles

  • Earn 65,000 miles after $10,500 in purchases in the first three months
  • Earn 45,000 miles after $75,000 in purchases in the first 12 months
  • Earn 30,000 miles with one purchase between months 15 and 17

【September 2023 update】 100,000-point welcome offer

  • Earn 7,500 points after 3,000 in purchases in the first six months, 45,000 in total
  • Add Supplementary Cards: 5,000 each, capped at two, for 10,000 in total
  • Earn 45,000 points after 9,000 in purchases between months 13 and 16

【January 2023 update】 85,000-point welcome offer

  • Earn 25,000 points after $3,000 in purchases in the first three months
  • Earn 5,000 points for each month with $2,000 in purchases in the first 12 months, 60,000 points in total

Everyday earning

3x: Eligible purchases where Air Canada is the merchant (including Air Canada Vacations packages bought directly from Air Canada) earn 3 Aeroplan points per CAD 1. Air Canada tickets bought through another website, a travel agent (including American Express Travel Services), or another vacation-package merchant, plus Air Canada gift cards, Maple Leaf Club memberships, or hotel/car-rental bookings with another merchant on aircanada.com, are not in this category.

2x: Eligible purchases at Amex merchants whose primary business is hotel/lodging or car rental earn 2 Aeroplan points per CAD 1. Direct bookings with a hotel or car-rental company charged to this Card, and bookings through American Express Travel Services, qualify. Bookings through Air Canada, Air Canada Vacations, other travel agencies, tour operators or online travel sites do not.

1x: Other eligible business purchases earn 1 Aeroplan point per CAD 1. A merchant code not recognized in the categories above, a payment through a third-party payment account/service or mobile card reader, or an online retailer selling other merchants’ goods all earn 1x.

Interest, annual and other fees, cash-equivalent transactions, refunds and credits do not earn points. Points go to the Basic Cardmember.

Benefits and insurance

  • Annual Worldwide Companion Pass

After the Basic Cardmember charges more than CAD 25,000 in net purchases in the 12 months before the anniversary, a companion pass is deposited into their Aeroplan account about 8–10 weeks after the anniversary. It is valid for 12 months from issue and must be used on a new round-trip ticket booked directly with Air Canada, on the same itinerary and at the same time as the Basic Cardmember. The companion pays a fixed base fare by destination; taxes, surcharges and other fees still apply. Spend resets after the anniversary. The account must remain open and in good standing.

  • Free first checked bag and priority airport services

The Basic Cardmember or an eligible Supplementary Cardmember, plus up to eight companions on the same booking (nine people in total), can each check a first bag of no more than 23 kg / 50 lb at no extra charge when checking in for a flight operated by Air Canada, Air Canada Rouge or Air Canada Express, and receive priority check-in where offered, Zone 2 priority boarding and priority baggage handling. You must check in with Air Canada. Gate-checked bags, check-in with another airline, or a first bag that is already free because of the fare or membership cannot be stacked or refunded after the fact.

  • Maple Leaf Lounge™ and Air Canada Café

Basic and eligible Supplementary Cardmembers travelling the same day on Air Canada, Air Canada Rouge, Air Canada Express or Star Alliance can use Air Canada Café and Maple Leaf Lounge locations in Canada and the United States (including eligible lounges in international terminals in those two countries). Each Cardmember can bring one companion at no extra charge. Maple Leaf Lounges outside Canada and the United States, Air Canada Signature Suites, and lounges operated by third parties or Star Alliance partners are not included.

  • Status Qualification Boost

The Basic Cardmember earns 1,000 SQC for every CAD 5,000 in eligible net purchases that post. Each Aeroplan member can receive at most 25,000 SQC per calendar year across all eligible Aeroplan credit Cards and Charge Cards. Supplementary Card spend counts toward the Basic Cardmember’s threshold, but Supplementary Cardmembers cannot earn SQC on their own.

  • Pearson Priority Lanes and Valet Service

Eligible Canadian Basic/Supplementary Cardmembers and a reasonable number of companions on the same itinerary can request a one-time QR code at go.amex/yyz for Priority Lanes in designated departure areas at Toronto Pearson T1 and T3. When Basic and eligible Supplementary Cardmembers charge Pearson T1 Valet Service parking to this Card, the fee can be waived. The no-fee Supplementary Card does not receive that valet benefit. All benefits follow then-current terms and airport availability.

  • Fourth night free and points expiry

When you redeem Aeroplan points for at least four consecutive nights at a participating hotel on one confirmation number, the points for one of those nights are waived. This is not a standalone free-night certificate. The booking must be completed with points only on the designated Aeroplan hotel site. You cannot combine separate orders, and cash or cash-plus-points bookings do not qualify. Current terms run through December 31, 2026 (Eastern Time) unless extended. Aeroplan points do not expire while the Basic Cardmember holds an American Express Aeroplan Card and the Aeroplan account is in good standing.

  • Amex Experiences™ and Amex Offers

You may be able to use selected Front Of The Line® Amex Presale Tickets™, Amex Reserved Tickets™ and offers in the Amex App / Online Services. Events, enrolment, eligible Cards, payment methods and deadlines follow the terms then in force.

Travel insurance

Official insurance certificate 🔗

  • Out of Province/Country Emergency Medical Insurance

Canadian residents with provincial health insurance only, travelling outside their home province or territory. Travellers under 65 on the departure date are covered for the first 15 consecutive days of each trip, up to CAD 5,000,000 per insured person per trip for eligible sudden emergency medical expenses. Coverage is subject to pre-existing-condition stability, exclusions and a requirement to contact assistance in advance. This coverage does not require travel to be paid with the Card.

  • Trip Cancellation & Trip Interruption Insurance

Canadian residents travelling outside their home province or territory only. Prepaid travel arrangements must be charged to this Card before cancellation penalties apply, or redeemed with this Card’s Aeroplan reward-programme points with taxes charged to the Card as required. For interruption/delay claims only, it is enough that part of the prepaid arrangements was charged to the Card. For a listed covered reason, cancellation is up to CAD 1,500 per insured person and CAD 3,000 combined; interruption is up to CAD 1,500 per person and CAD 6,000 combined. Eligible out-of-pocket interruption/delay expenses are CAD 100 per person per day, CAD 1,000 combined.

  • Flight and Baggage Delay & Hotel Burglary Insurance

Canadian residents only. The full airfare or accommodation must be charged to this Card; if you redeem Aeroplan reward-programme points from this Card, the required taxes must also be charged to the Card. A missed connection, a flight delay of at least four hours, or denied boarding because of overbooking with no alternative within four hours of the original departure, may cover reasonable living expenses and sundries. If outbound checked baggage is delayed more than six hours after you arrive, you may be covered for essential clothing and sundries bought within four days of arrival. Those three coverages combined are CAD 1,000 per occurrence. When accommodation is paid in full with this Card, personal property stolen in a hotel burglary during the stay is covered up to CAD 1,000 per occurrence.

  • Lost or Stolen Baggage Insurance

Canadian residents only. The full airfare must be charged to this Card, or redeemed with this Card’s Aeroplan reward-programme points with the required taxes charged to the Card. Checked or carry-on baggage lost or damaged during covered air transportation is covered up to CAD 1,000 combined per occurrence for all insured persons; jewellery up to CAD 300, golf clubs and bag up to CAD 250. Electronics, cameras, cash, business items and many other items are excluded. Where practicable, give written notice within 90 days of the incident.

  • Travel Accident Insurance

The common-carrier fare (for example air, rail, ship or bus) must be charged to an American Express Card account before the accident. When the account is billed in Canada, the Basic/Supplementary Cardmember, spouse and dependent children under 23 may qualify. Eligible accidental death or specified dismemberment is covered up to CAD 500,000 per insured person; the loss must occur within 100 days of the accident.

  • Car Rental Theft and Damage Insurance

Canadian residents only. Charge the entire rental to this Card, or pay with this Card’s Aeroplan reward-programme points and charge the required taxes to the Card, and decline the rental company’s CDW/LDW. It applies to eligible cars, SUVs or minivans with an MSRP below CAD 85,000 excluding tax, for a consecutive rental of no more than 48 days. It can cover theft, loss, damage and eligible loss-of-use charges, with no deductible. Coverage applies to personal and business use but does not include third-party liability. Report an accident within 48 hours and submit the required documents within 45 days.

Purchase insurance

  • Buyer’s Assurance® Protection Plan

Canadian residents only. When you charge the full price of an eligible new item or gift to this Card, a complimentary original manufacturer’s warranty that is valid in Canada or the United States and lasts no more than five years can be extended by the length of the original warranty, up to one additional year. The limit is CAD 10,000 per item and CAD 25,000 combined per Cardmember per policy year for all occurrences. Business fixtures, inventory/resale goods, jewellery and many motor vehicles or consumable goods are excluded. Report a breakdown within 45 days and submit the required documents within 60 days.

  • Purchase Protection® Plan

Canadian residents only. When at least part of an eligible new item is charged to this Card, you may have worldwide supplementary coverage for direct physical damage or theft within 90 days of purchase, up to CAD 1,000 per Cardmember per occurrence and not more than the amount charged to the Card. Gifts can also be covered. Business inventory and goods bought for resale, mysterious disappearance/loss, normal wear, cash and gift cards are among the exclusions. Report theft or damage within 48 hours, give written notice within 45 days where practicable, and submit documents within 90 days.