The American Express Aeroplan Business Reserve Card is the ultra-premium business credit card in the Amex Canada Aeroplan lineup. At $599/year, it’s designed for Canadian businesses whose owners travel frequently on Air Canada and want to maximize Aeroplan earning while accessing premium travel perks.
Quick Verdict
Best for: Frequent Air Canada business travellers who want lounge access, elite status benefits, and the highest possible Aeroplan earn rates on business spending.
Not ideal for: Businesses with low annual spend, infrequent Air Canada travel, or those unwilling to pay the $599 annual fee.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $599 CAD |
| Network | American Express |
| Rewards Program | Aeroplan |
| Income Requirement | None stated |
| Purchase Interest Rate | 30-day charge card (pay in full) |
| Lounge Access | Maple Leaf Lounge + Air Canada Café |
| Employee Cards | Available |
| Foreign Transaction Fee | 2.5% |
Note: This is an American Express charge card — the full balance is due monthly. Verify all current details at americanexpress.com/en-ca.
Welcome Bonus
American Express Canada regularly offers welcome bonuses on the Aeroplan Business Reserve. These often include a large number of Aeroplan points on qualifying spend. Visit americanexpress.com/en-ca for the current offer.
Earn Rates
The Amex Aeroplan Business Reserve offers industry-leading Aeroplan earn rates:
| Category | Earn Rate |
|---|---|
| Air Canada purchases | High multiplier (verify at amex.ca) |
| All other eligible purchases | High base rate |
Specific earn rates should be confirmed at americanexpress.com/en-ca.
Maple Leaf Lounge Access
Cardholders receive complimentary Maple Leaf Lounge access when flying Air Canada, including:
- Domestic Maple Leaf Lounges
- Air Canada Cafés
- Transborder and international lounges (verify access rules at aircanada.com)
Lounge access for this card is one of the most valuable perks in Canadian business credit cards, typically valued at $250–$500+ per year for frequent travellers.
Elite Status Benefits
The Amex Aeroplan Business Reserve provides Aeroplan Elite status advantages, including Status Qualifying Miles (SQM) boosts that can accelerate your path to 25K, 35K, 50K, or 75K Elite status with Air Canada.
Comprehensive Travel Insurance
Premium travel insurance package including (verify coverage at amex.ca):
- Travel medical emergency
- Trip cancellation and interruption
- Baggage delay and loss
- Flight delay
- Car rental collision/loss damage waiver
Business Benefits
- Employee cards — additional cards to consolidate business spending
- Online business account management — categorize and track expenses
- Business travel tools — integrated with Amex’s corporate travel services
- Purchase protection and extended warranty
Amex Aeroplan Business Card Comparison
| Card | Annual Fee | Best For |
|---|---|---|
| American Express Aeroplan Card | $0 | No-fee personal Aeroplan |
| American Express Aeroplan Reserve | $599 | Premium personal Aeroplan |
| American Express Business Edge | $99 | Mid-tier MR business card |
| Amex Aeroplan Business Reserve | $599 | Ultra-premium business Aeroplan |
Who Is This Card Best For?
- Frequent Air Canada business travellers — at least 6–10 trips per year
- Business owners maximizing Aeroplan — who want highest earn rates
- Lounge access seekers — who value Maple Leaf Lounge during layovers
- Status chasers — building toward Air Canada Elite tiers
Alternatives
| Card | Annual Fee | Lounge? | Best For |
|---|---|---|---|
| American Express Business Platinum | $799 | Global (Amex Centurion) | Max travel perks, non-Aeroplan |
| TD Aeroplan Visa Infinite Privilege | $599 | Maple Leaf Lounge | Aeroplan Visa Infinite Privilege |
| CIBC Aeroplan Visa Infinite Privilege | $599 | Maple Leaf Lounge | Aeroplan Visa Infinite Privilege |
Bottom Line
The Amex Aeroplan Business Reserve is one of the top premium business credit cards in Canada for Air Canada loyalists. The Maple Leaf Lounge access, elite status benefits, and high Aeroplan earn rates make the $599 fee justifiable for frequent business travellers. Occasional Air Canada flyers are better served by a lower-tier Aeroplan card.
Disclaimer: Card terms, earn rates, fees, and lounge access policies are subject to change. Verify all current details at americanexpress.com/en-ca before applying.