Loyalty Program: Aeroplan

Earn up to 120,000 bonus Membership Rewards^® points:

• Earn 80,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
• That’s up to $1,200 in statement credit that can be reinvested in your business

Earn points that you can redeem in a variety of ways.

• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Bolster your business with up to $820 in annual business and travel statement credits

• Register your eligible Card and get up to $500 in business account credits for your eligible purchases with Dell or Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business - anytime and anywhere

• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option.
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

• Extend payment solutions with Supplementary Cards for your employees.
• Make the most of the American Express Global Lounge Collection^TM, which gives you access to over 1,400 airport lounges worldwide. This includes the Centurion Lounge network^SM, Plaza Premium Lounges, as well as hundreds of lounges in domestic and international terminals designed to enhance your travel experience. Terms and conditions apply.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
• Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership

Access comprehensive insurance coverage for your travel needs.

• Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
• Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan
• Equip your business with Mobile Device Insurance

Unlock special experiences with the Platinum Card^®. Earn up to 100,000 Membership Rewards^® points - that’s up to $1,000 towards a weekend away:

• New Platinum^® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, get 30,000 points if you make a purchase within 15 to 17 months of your membership

• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum^® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Take full advantage of The American Express Global Lounge Collection^TM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points:
  
  • Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
    
  • Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
  • You could earn up to $4,400 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
• Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
  
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges^™* and Air Canada Café^™ in North America for you and a guest, with a same day ticket on a departing Air Canada^®* or Star Alliance^®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express^® Aeroplan^®* Reserve Card to more than 1,200 Priority Pass airport lounges That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Get more from your travel experience at Toronto Pearson International Airport with:
  
  • Access to Pearson Priority Security Lane
  • Complimentary valet service at the Express Park and Daily Park
  • 15% discount on parking rates at the Express Park and Daily Park
  • 15% discount on Auto Care services
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

• New American Express® Aeroplan®* Cardmembers can earn up to 40,000 Aeroplan points:
  • Earn 30,000 Aeroplan points after spending $3,000 on your Card in the first 3 months.
  • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.
  • You could earn up to $1,450 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,450 or more in value within your first 13 months. Terms and usage assumptions apply.
• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

• Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan^®* Business Reserve Cardmember.
• Plus, earn 25,000 Aeroplan points^® when you spend $3,500 in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

• You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

• Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges^™ for you and a guest, and Air Canada Café^™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
• Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club