Aeroplan business credit cards let Canadian businesses earn Air Canada’s loyalty currency on everyday business spending. Unlike personal Aeroplan cards, business versions are designed for higher spend volumes, offer employee cards, and integrate with commercial banking relationships.
Three issuers offer co-branded Aeroplan business cards in Canada: TD Bank, CIBC, and American Express.
Best Aeroplan Business Credit Cards — Quick Comparison
| Card | Annual Fee | Aeroplan on Air Canada | Aeroplan Everywhere Else | Best For |
|---|---|---|---|---|
| Amex Aeroplan Business Reserve | $599 | 3 pts/$1 | 1 pt/$1 | Premium Aeroplan; Maple Leaf Lounge |
| TD Aeroplan Visa Infinite Business | $199 | 1.5 pts/$1 | 1 pt/$1 | TD banking clients; mid-premium |
| TD Aeroplan Visa Business | $149 | 1 pt/$1 | 1 pt/$1 | Entry TD Aeroplan business |
| CIBC Aeroplan Visa Business | $80 | 1.5 pts/$1 on Air Canada eligible | 1 pt/$1 | Low-fee Aeroplan business |
Verify current earn rates and welcome offers at each issuer’s website before applying.
American Express Aeroplan Business Reserve
Annual fee: $599 | Network: Amex
The Amex Aeroplan Business Reserve is Canada’s premium Aeroplan business card. It earns 3 Aeroplan points per dollar on Air Canada purchases (flights, seat upgrades, Air Canada Vacations) and 2 points per dollar on dining and transit — the highest Air Canada earn rate available on any Canadian business card.
Key perks:
- Maple Leaf Lounge access — for you and a guest, on Air Canada same-day departures
- Worldwide airport lounge network — Priority Pass equivalent through Amex’s lounge access benefit
- Status Qualifying Miles (SQM) accelerator — book Air Canada flights on the card to earn bonus SQM toward Aeroplan Elite Status
- Comprehensive travel insurance — trip cancellation, emergency medical up to $5 million, car rental
- Employee cards available for additional Aeroplan earning
Best for: Businesses with frequent Air Canada travel and $80,000+ annual spend to justify the fee.
TD Aeroplan Visa Infinite Business Card
Annual fee: $199 | Network: Visa Infinite
The TD Aeroplan Visa Infinite Business earns 1.5 Aeroplan points per dollar on Air Canada purchases and eligible grocery and dining, and 1 point per dollar on all other business spending. For TD business banking clients, it integrates seamlessly with TD’s commercial banking services.
Key perks:
- TD Travel Medical Insurance — emergency medical coverage when travelling
- Flight delay and lost luggage insurance
- Employee supplementary cards — each earning Aeroplan on business spending
- No foreign transaction fee on Air Canada purchases booked directly
Best for: TD business banking clients who fly Air Canada regularly and want a mid-tier Aeroplan card without the $599 Amex fee.
TD Aeroplan Visa Business Card
Annual fee: $149 | Network: Visa
The entry-level TD Aeroplan business card earns 1 Aeroplan point per dollar on all eligible purchases. It lacks the elevated Air Canada earn rate of the Infinite but suits businesses with moderate annual spend that want Aeroplan earning with TD’s banking integration.
Best for: TD business banking clients with lower annual spend ($30,000–$80,000/yr) who want Aeroplan earning at a lower fee.
CIBC Aeroplan Visa Business Card
Annual fee: $80 | Network: Visa
The CIBC Aeroplan Visa Business is the most affordable co-branded Aeroplan business card in Canada at $80/year. It earns 1.5 Aeroplan points on Air Canada eligible purchases and 1 point per dollar everywhere else — the same Air Canada earn rate as the TD Aeroplan Visa Infinite Business, at less than half the fee.
Key perks:
- CIBC commercial banking integration
- Travel emergency insurance and car rental coverage
- Employee supplementary cards
Best for: CIBC business banking clients who want Aeroplan earning at a low annual fee without premium travel perks.
Aeroplan for Business: What You Need to Know
Earning Aeroplan on Business Spending
Aeroplan points earned on business credit cards flow into the primary cardholder’s personal Aeroplan account (or a designated Aeroplan account). Employee supplementary cards can also earn into the same account, concentrating all business spending into a single Aeroplan balance.
How Many Aeroplan Points Is Your Business Spend Worth?
Based on $5,000/month in business spending:
| Card | Monthly Aeroplan Earn | Annual Aeroplan Earn | Approx. Redemption Value |
|---|---|---|---|
| Amex Aeroplan Business Reserve | 5,000–15,000 pts (category dependent) | 60,000–180,000 pts | $900–$2,700 |
| TD Aeroplan Visa Infinite Business | 5,000–7,500 pts | 60,000–90,000 pts | $900–$1,350 |
| CIBC Aeroplan Visa Business | 5,000–7,500 pts | 60,000–90,000 pts | $900–$1,350 |
Redemption value based on 1.5¢/pt average for short-haul economy. Business and premium cabin redemptions can deliver 3–5¢/pt.
Business vs Personal Aeroplan Cards
Business Aeroplan cards earn into the same Aeroplan account as personal cards. If you already hold a personal Aeroplan card (TD, CIBC, or Amex), adding a business card accelerates your earn without splitting into a separate programme — all points pool in one Aeroplan account.
Note: you can hold a personal and business Aeroplan card from the same issuer simultaneously. Verify current policy with each issuer.
Frequently Asked Questions
Which is the best Aeroplan business credit card in Canada? For the highest Aeroplan earn rate and premium perks, the Amex Aeroplan Business Reserve ($599/yr) is Canada’s best Aeroplan business card — earning 3 points per dollar on Air Canada and providing Maple Leaf Lounge access. For the best value at a mid-range fee, the CIBC Aeroplan Visa Business ($80/yr) delivers the same Air Canada earn rate as the $199 TD card at a much lower cost. Verify current offers before applying.
Can self-employed Canadians get an Aeroplan business card? Yes. Sole proprietors and self-employed Canadians can apply for business Aeroplan cards using their personal income. Most issuers (TD, CIBC, Amex) require a personal guarantee and assess eligibility based on personal creditworthiness and stated business income. A Business Number (BN) from the CRA is typically not required for sole proprietors.
Do Aeroplan business cards require a minimum business revenue? There is no published minimum revenue for most Aeroplan business cards. Qualification is typically based on personal credit score, personal income, and business relationship with the issuer. Higher-tier cards (Amex Business Reserve) may require demonstrated higher income — verify with each issuer.