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American Express Aeroplan Business Reserve Card

Premium TravelRewardsBusiness
3.3
★★★☆☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on American Express's own website.
Welcome value
est. first-year value
Annual fee
$599
per year
Purchase interest
21.99%
on carried balances
Rewards type
points
Aeroplan
✈️
2% value on travel
Your top earn category
🛫
Travel perks
Lounge access & trip coverage
🛡️
6 insurance coverages
Built-in protection

Rewards

Base earn rate1.25 Aeroplan points per $1 spent on everything else
ProgramAeroplan
Welcome bonusEarn up to 55,000 Welcome Bonus Aeroplan points. Earn 25,000 Aeroplan points after spending $3,000 in net purchases on your Card within the first three months of Cardmembership. Plus, earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.
Rewards typepoints

Fees & rates

Annual fee$599
Purchase interest rate21.99%
Cash advance rate21.99%
Foreign transaction fee2.5% (typical)

Standout perks

🛂
NEXUS Card Statement Credit
✈️
Lounge Access
💳
Premium Travel Benefits
🎩
24/7 Customer Service
Employee Card Misuse Protection
Emergency Card Replacement
Travel Emergency Assistance

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate

Insurance coverage

🛡️

travel medical

Included — see issuer for details.

🛡️

trip interruption

Included — see issuer for details.

🛡️

trip cancellation

Included — see issuer for details.

🛡️

flight delay

Included — see issuer for details.

🛡️

baggage delay

Included — see issuer for details.

🛡️

baggage loss

Included — see issuer for details.

Eligibility

Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident