How these scores work
Every fit score is computed from this site’s card data by a fixed, published formula: four weighted components (earn in the category, welcome bonus, annual fee, ease of qualifying) add up to 100. On this page the earn yardstick is its Air Canada earn rate, since that is the category every Aeroplan card bonuses. Point values are the typical redemption values from our reward values reference, the same ones every other score on the site uses. Click any score to open its breakdown. The card score column beside it is a different number: how the card stands against every card of its type across seven components, from the full rankings. The two are expected to disagree, because one measures a job and the other measures the whole card. How both scores are built.
Best Aeroplan business cards, scored
All three carry no personal income requirement; approval is based on business eligibility. The split is welcome bonus, fee, and whether lounge access matters to you.
| # | Card | Fit score | Card score | Annual fee | Why it ranks here |
|---|---|---|---|---|---|
| 1 | CIBC Aeroplan Visa Business PlusNo income gate |
69mathEarn+21 / 45 2x the airline × 1.4¢ = 2.8% effectiveWelcome+17.5 / 20 75,000 pts ≈ $1,050Fee+15.4 / 20 $139 annual feeAccess+15 / 15 No income requirementScore69 / 100 |
58.88th of 11 business travel | $139 | Up to 75,000 points, uncapped 2x on AC and 1.5x on business categories, and two years of fee rebate. |
| 2 | American Express Aeroplan Business Reserve Card Apply →No income gate |
67mathEarn+31.5 / 45 3x the airline × 1.4¢ = 4.2% effectiveWelcome+20 / 20 90,000 pts ≈ $1,260Fee+0 / 20 $599 annual feeAccess+15 / 15 No income requirementScore67 / 100 |
70.52nd of 11 business travel | $599 | 3x Aeroplan on Air Canada, Maple Leaf Lounge access, a Priority Pass, and a companion pass. |
| 3 | TD Aeroplan Visa Business CardNo income gate |
65mathEarn+21 / 45 2x the airline × 1.4¢ = 2.8% effectiveWelcome+14 / 20 60,000 pts ≈ $840Fee+15 / 20 $149 annual feeAccess+15 / 15 No income requirementScore65 / 100 |
67.23rd of 11 business travel | $149 | 2x Aeroplan on AC and 1.5x on travel, dining, and business categories. The same earn as CIBC at a higher fee. |
Welcome bonus and the fee rebate
The CIBC Aeroplan Visa Business Plus and the TD Aeroplan Visa Business earn Aeroplan at exactly the same rates, so the ranking turns on overhead, not points. CIBC pairs a larger welcome bonus, up to 75,000 points across staged spend thresholds, with a $120 fee that is rebated for the first two years. TD lists a $149 fee and a smaller opening bonus. Over the first two years, that gap is the single biggest difference between them, which is why CIBC leads. Note that the CIBC fee rises to $139 from August 1, 2026.
See it worked out: TD vs CIBC Aeroplan business
The two cards' earn, fees, and waived first year run side by side on real business spend.
The Amex Aeroplan Business Reserve plays a different game. It earns 3x on Air Canada rather than 2x, the highest in the group, and adds Maple Leaf Lounge access and a Priority Pass. The $599 fee zeroes out its fee score, but for an owner who flies Air Canada often and values the lounge, the earn rate and travel perks can outweigh the sticker cost. It scores within a point of the TD card for that reason.
Is the $599 Reserve worth it? TD vs Amex Aeroplan Business
What the jump from the $149 TD card to the Reserve's lounge access and 3x earn actually buys.
Looking for a personal card? See the best Aeroplan credit cards
Every personal Aeroplan card from TD, CIBC, and Amex scored and ranked for occasional and frequent flyers.
Common questions
What is the best Aeroplan business credit card in Canada?
On our scored ranking the CIBC Aeroplan Visa Business Plus comes first. It earns 2x Aeroplan on Air Canada and 1.5x on travel, dining, and business categories, the same as the TD Aeroplan Visa Business, but pairs a larger welcome bonus of up to 75,000 points with a lower $120 fee that is rebated for the first two years. The Amex Aeroplan Business Reserve ranks close behind for owners who want lounge access and 3x on Air Canada, at a $599 fee.
Do Aeroplan business cards require personal income?
No. The TD, CIBC, and American Express Aeroplan business cards have no personal income requirement. Approval is based on business eligibility rather than a stated minimum personal income, which is why all three score full marks on access here.
Should I get the CIBC or TD Aeroplan business card?
Both earn identically: 2x Aeroplan on Air Canada and 1.5x on travel, dining, and business categories. The CIBC Aeroplan Visa Business Plus wins on overhead, with a larger welcome bonus and a $120 fee rebated for two years versus TD's $149. Choose the TD Aeroplan Visa Business if you already bank with TD or prefer its travel insurance and ecosystem.
How are the fit scores calculated?
Each fit score is computed from this site’s card data by a fixed formula: four weighted components add to 100 (the card’s earn rate in the category being ranked, its welcome bonus value, its annual fee, and how easy it is to qualify for), with points converted at the typical redemption values on our reward values page. Every table also shows the card’s class-relative card score, which measures the whole card rather than one job. Both methods are on the methodology page.