TD Aeroplan Business costs $149 a year. The Amex Aeroplan Business Reserve costs $599 and delivers unlimited Maple Leaf Lounge access, a companion pass, and earn rates that scale with Air Canada flying. Here is what the extra $450 actually buys.
Move the spend slider to update how long each card takes to earn the points. The highlighted cell is the card you’ve selected.
A flat bed on the way over. 🌍 London for Borough Market and the corner pub. Frankfurt for the Römerberg and easy day trips into the Rhine valley. Paris for everything it never needs to explain. Business class changes what jet lag feels like on the other end.
~130,000 pts return · Aeroplan zone-based pricing, Air Canada or partner carrier. Cash equivalent varies widely by carrier, dates, and availability. TD blended: 1.3 pts/$1 (10% Air Canada at 2×, 40% travel/dining/telecom at 1.5×, 50% general). Amex Reserve blended: 1.54 pts/$1 (10% Air Canada/ACV at 3×, 15% hotels/rentals at 2×, 75% general at 1.25×). Verify at aircanada.com/aeroplan.
A week in the sun for two. 🌴 Caribbean water if you choose Cancun. Pacific coastline and colonial towns if you land in Puerto Vallarta. Two economy seats, fully covered by points from everyday business spending.
~100,000 pts total for two passengers return · ~50,000 pts each, economy, Aeroplan zone pricing. At this goal size, the Amex Reserve’s 90K bonus nearly covers the full redemption. Cash equivalent approximately $700–$1,000 CAD per person depending on season. Verify at aircanada.com/aeroplan.
Fourteen hours across the Pacific. 🌏 Tokyo for the neighbourhoods, the ramen counters, and a transit system that makes other cities look careless. Sydney for the harbour and the long slow way back. A business class seat on this route is something you plan a trip around.
~200,000 pts return business class · YVR to NRT or SYD on Air Canada or partner carrier. Market fares for premium transpacific range from ~$7,000–$12,000 CAD return. Availability is limited — book early. Verify at aircanada.com/aeroplan.
| Category | Rate | Annual |
|---|---|---|
| Air Canada ($500/mo) | 2.0× | — |
| Travel, dining, telecom ($2,000/mo) | 1.5× | — |
| Other ($2,500/mo) | 1.0× | — |
| Annual earn | — | |
| Category | Rate | Annual |
|---|---|---|
| Air Canada & ACV ($500/mo) | 3.0× | — |
| Hotels & car rentals ($750/mo) | 2.0× | — |
| All other ($3,750/mo) | 1.25× | — |
| Annual earn | — | |
TD split: 10% Air Canada direct (2×), 40% travel, dining, telecom & transit (1.5×), 50% general (1×). Amex Reserve split: 10% Air Canada and Air Canada Vacations (3×), 15% hotels and car rentals (2×), 75% everything else (1.25×). Both cards earn Aeroplan points directly — no transfer step required. The earn crossover where Amex’s higher rate covers its $450 fee premium occurs at approximately $10,400/month in total spend.
Both cards earn Aeroplan directly on the same Air Canada flights and the same redemptions. The difference is earn rate, Air Canada perks, and the cost of carrying the card.
| TD Aeroplan Visa Business | Amex Aeroplan Business Reserve | |
|---|---|---|
| Fees | ||
| Annual fee | $149 | $599 |
| Supplementary card fee | $49 each · first two waived year 1 | $199 each · or add a no-fee Aeroplan Business card at $0 |
| Welcome Bonus | ||
| Maximum bonus | Up to 60,000 pts | Up to 90,000 pts |
| Bonus structure | 10K on first purchase + 30K at $15K in 180 days + 20K at $25K in 365 days | 65K after $10,500 in first 3 months + 25K after $3,500 in month 13 |
| Earn Rates | ||
| Air Canada & Air Canada Vacations | 2 pts/$1 | 3 pts/$1 |
| Hotels & car rentals | 1.5 pts/$1 (travel category) | 2 pts/$1 |
| Travel, dining, telecom, transit | 1.5 pts/$1 | 1.25 pts/$1 (general rate) |
| All other purchases | 1 pt/$1 | 1.25 pts/$1 |
| Earn cap (bonus categories) | $80,000/yr on bonus-rate categories | None stated |
| Air Canada Perks | ||
| Free first checked bag | Yes · cardholder and up to 8 on same booking | Yes · cardholder and up to 8 on same booking |
| Maple Leaf Lounge access | 1 pass per $10,000 spend · max 4 per year | Unlimited · North America · cardholder + one guest |
| Air Canada Café access | — | Included · North America |
| Priority Pass membership | — | Complimentary membership · 1,200+ lounges (visit fees apply) |
| Status Qualifying Miles | 1,000 SQM per $20,000 spend · max 25,000/yr | 1,000 SQM + 1 SQS per $10,000 spend · 2× faster |
| Annual companion pass | — | Yes · economy companion at $99 base fare after $25,000 annual spend |
| Other Perks | ||
| NEXUS application fee rebate | Up to $100 CAD every 48 months | — |
| Avis Preferred Plus | Yes | Yes |
| Insurance | ||
| Emergency travel medical | Up to $2M · first 15 days of trip | Up to $5M · first 15 days of trip |
| Trip cancellation | Yes | Up to $1,500 per person |
| Trip interruption | Yes | Up to $1,500 per person |
| Flight delay & baggage | Yes (9 coverage types) | Yes · up to $1,000 for delays of 4+ hours |
TD earn cap applies to bonus-rate categories combined. Amex companion pass applies to Air Canada economy cash bookings worldwide. Verify current welcome offers, earn rates, and terms directly with TD and American Express before applying.
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