American Express Aeroplan Business Reserve Card

3 Aeroplan points per $1 spent directly with Air Canada and Air Canada Vacations; 2 points per $1 on eligible hotels and car rentals; 2.5 points per $1 at participating Hyatt hotels and resorts; 1.25 points per $1 on everything else. Amex publishes no annual cap on any tier. Earn_travel is set to 2 (the hotel/car rate); the 3x Air Canada rate is airline-specific and does not map to a generic travel category.

Up to 90,000 Aeroplan points: 65,000 after $10,500 in purchases in the first 3 months, plus 25,000 after $3,500 in purchases in month 13. The second tier is a MONTH-13 tier, not a first-year tier, so the bonus is only fully realised by paying a second $599 annual fee.

Complimentary access to Air Canada Maple Leaf Lounges and Air Canada Cafés in North America plus one guest, but ONLY 'in conjunction with a same-day ticket when departing on a flight marketed or operated by Air Canada' or a Star Alliance carrier. It is not a general lounge membership and is worthless to a business traveller who does not fly Air Canada. Lounge_passes_per_year is left empty because access is unlimited subject to that condition. $100 NEXUS statement credit once every four years. Employee Card Misuse Protection up to $100,000 per Basic Cardmember, conditional on cancelling within 2 business days of terminating the employee; administered by Belair Insurance Company. Up to 99 supplementary cards. Amex confirms joint and several liability: 'You and the company are liable to us, jointly and severally (or in Quebec, solidarily)'. FREE EMPLOYEE CARDS ARE A TRAP HERE. Amex offers an 'Aeroplan Business Reserve No Fee Employee Card' at $0, but Amex's own employee-cards page states it 'excludes premium travel benefits like Maple Leaf Lounge access and priority airport services'. The full-benefit employee card is $199. Recording this as 'unlimited free employee cards' would be materially misleading. Lounge access is conditional on a same-day Air Canada or Star Alliance departure. It is not Priority Pass and not a standalone membership. The 25,000-point second tier only pays in month 13, after a second $599 fee is charged. Amex Canada does not publish the purchase APR, cash advance APR or FX fee anywhere that renders without JavaScript. Amex Canada's compare page also lists a '$0 No Fee option' for the supplementary card on the personal Aeroplan cards; do not confuse the personal Reserve ($599, same fee) with this business card.