Montreal, QC
Four Seasons Hotel Montreal
Four Seasons Preferred
View hotelAmerican Express
American Express Canada Aeroplan Business Reserve Card
Up to 90K + Buddy Pass, 3x Air Canada, 2x hotels/cars, lounge access, NEXUS credit and strong business travel protections.
Annual fee · CAD $599Approval · easyNetwork · American ExpressCanada
Save card and add to a list
View saved items in “My” panel; lists help plan trips or perk strategies.
PerkMap ratings
4.5/ 5
Overall
Top pick
PerkMap comment
Long-term keep
4.0Long-term worthy
Earn value
4.5Max value
Perks & insurance
4.5Best-in-class perks
Design
5.0Stunning design
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Standard bonus
Up to 90K Aeroplan points + Buddy Pass: 35K + $100 statement credit after $5K in first 3 months, then 5K per month for $2K spend in first 6 months (up to 30K), plus issuer-listed additional bonus structure
Minimum spend
$5,000 in 3 months plus $2,000 monthly for first 6 months (per issuer offer)
- 35K + $100 after $5K in 3 months; 5K/month for $2K months (up to 90K incl. issuer tiers)
- 3x Air Canada/AC Vacations, 2x hotels & car rentals, 1.25x other
- Maple Leaf Lounge, Companion Pass, NEXUS credit and preferred pricing
Earn rates
Air Canada & Air Canada Vacations purchases
3× Points
Hotels and car rentals
2× Points
All other purchases
1.25× Points
Benefits & fit
Key perks
- Maple Leaf Lounge access and priority airport services on eligible Air Canada itineraries
- Annual Worldwide Companion Pass after $25K annual spend; free first checked bag for Cardmember + 8 companions
- NEXUS credit, preferred Aeroplan pricing and Status Qualifying boosts from card spend
- Comprehensive travel insurance, including emergency medical and car rental theft/damage up to eligible MSRP
- Up to 55 days interest-free to support business cash flow
Recommended for
- Air Canada-focused business travelers
- SMBs wanting Aeroplan perks with elevated earn rates
Hotels to target with this card
Toronto, ON
The Ritz-Carlton, Toronto
Marriott Bonvoy
View hotelVancouver, BC
Fairmont Pacific Rim
ALL
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Read guideCard comments
Share your card application and usage tips to help others.
2025-12-20 · ZH
This Amex Aeroplan Business Reserve is basically built for people who fly Air Canada a lot. The value isn’t really in everyday groceries or random spending, it’s when you’re actually traveling. You get better Aeroplan earning on Air Canada related purchases, plus lounge access, a NEXUS credit, and solid travel protections, so it can make business trips feel way smoother. That said, it’s not a no brainer for everyone. The annual fee is CAD $599, and approval can be tougher. If you only fly a couple times a year or you don’t mainly use Air Canada, it’s pretty easy to not fully break even. My take: if you’re a frequent Air Canada flyer and you want the full “business travel setup” in one card, it makes sense. If you travel occasionally, you’ll probably get better value from something cheaper and more flexible.
Apply & disclosures
May contain American Express referral or affiliate links. Please review the official terms and fees before applying.