American Express® Aeroplan®* Business Reserve Card

*Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

^‡ Please ensure that you provide your own personal Aeroplan number to be linked to your card as linking a different loyalty number is prohibited. This Aeroplan number must be included on the qualifying reservation to access the airline benefits. The name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For eligible Supplementary Cardmember(s) ability to access available benefits, their own personal Aeroplan number must be linked to a valid card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the card is approved, or the Aeroplan number of the eligible Supplementary Cardmember is linked to the Supplementary Card, for these benefits to be activated.  Aeroplan member accounts of the Basic Cardmember and Supplementary Cardmember(s) must be in good standing to enjoy their Amex Aeroplan card benefits.  Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

1.American Express^® Aeroplan^®* Business Reserve Card: 

These  offers are only available to new American Express^® Aeroplan^®* Business Reserve Cardmembers (‘Cardmembers’). For current or former American Express Aeroplan Business Reserve Cardmembers, we may approve your application, but you will not be eligible for these offers. If you receive points in error, we reserve the right to deduct them from your points balance. Offers subject to change at any time. Account must be in good standing. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points. All deductions for returns made on eligible purchases will be calculated at the earn rate in effect at the time of the return. This means that the points deducted from your points balance may be different from the amount originally earned. Points may be deducted if returns result in the required spend threshold not being achieved. Please allow up to 8 weeks after earning your Aeroplan points for your Aeroplan account to be updated.

65,000 Aeroplan Points

To qualify for the welcome bonus of 65,000 Aeroplan points, you must have at least $10,500 in net purchases posted to your account on or before your three (3) month anniversary date. Please allow up to eight weeks from the date the bonus points were earned for the bonus to be awarded. Offer subject to change.

Additional 25,000 Bonus Points 

To qualify for the additional 25,000 Aeroplan points in month 13 of Cardmembership, eligible American Express Aeroplan Business Reserve Cardmembers must have at least $3,500 in net purchases charged to your Card in month 13 of Cardmembership and subsequently posted to your account. For example, if you reach your 12 months of Cardmembership on March 31, 2025, you must have at least $3,500 in net purchases made on or after April 1, 2025, and be posted to your account no later than April 30, 2025, to be eligible for the 25,000 Aeroplan bonus points. Please allow up to eight weeks after earning your Aeroplan points for your Aeroplan account to be updated. Aeroplan points will be earned by the Basic Cardmember on the amount of purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points.

2. Account must be in good standing. An employee card is a Supplementary Card. Each supplementary American Express Aeroplan Business Reserve Card: $199 each annually; Supplementary American Express Aeroplan Business Reserve No Fee Card: $0 each annually. Supplementary Cardmembers must be at least 13 years old. Maximum of 99 Supplementary Cards per account.

3. The up to $2,700 or more in value is based on the combined total value of: Current Welcome Bonus of up to 90,000 Aeroplan points redeemed for a flight(s) (up to $1,800), based on the majority of current Aeroplan Cardmembers receive a value of $0.02/points or more when redeeming for a flight as of November 1, 2023. Redemption calculation is based on actual redemptions made by cardholders between the period of November 8, 2020 to November 1, 2023; free first checked bags for two people on a round-trip in the first year ($140); unlimited Maple Leaf Lounge^TM* access in North America ($550 annually), lounge access is subject to availability; complimentary guest access to Maple Leaf Lounge in North America for one guest accompanying an eligible Cardmember on a round-trip in the first year ($50 CAD); Priority Pass^TM* membership ($99 USD annually); usage of the statement credit benefit for the NEXUS Card in the first year (up to $100 available every four (4) years); Toronto Pearson Discounted Car Care estimated value based on a classic wash for a standard car of $60 CAD. $60 CAD X 15% = $9; Complimentary Valet Service at Toronto Pearson International Airport ($20); and 15% Discount on Parking at Toronto Pearson International Airport estimated value calculated based on the Daily Park rate of $38 CAD per day. $38 CAD x 15% = $5.70. The up to $2,700 or more in value does not include the Card’s annual fee.

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at www.aircanada.ca/aeroplan. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

4. A Basic Cardmember and eligible Supplementary Cardmember(s) are each entitled to complimentary access to any Air Canada Café and any Maple Leaf Lounge located in Canada and the United States, including Maple Leaf Lounges in international terminals in Canada and the United States when travelling on an international itinerary. Access excludes Maple Leaf Lounges outside of Canada and the United States, Air Canada Signature Suites, and lounges operated by third parties, such as Star Alliance member airlines. Exceptions may apply. Please review the list of eligible lounges. 

Basic and eligible Supplementary Cardmember(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge or Air Canada Café. Any guest entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by a Basic or eligible Supplementary Cardmember. Additional guest(s) may enter the Maple Leaf Lounge or Air Canada Café upon paying the applicable fee.  For greater certainty, a Basic Cardmember or eligible Supplementary Cardmember who holds Aeroplan Elite^TM* Status, may additionally take advantage of the lounge access benefits available to them as part of the Aeroplan Elite^TM* Status program. For more information on Aeroplan Elite^TM* Status, please visit www.aircanada.com/elitebenefits. Access to Maple Leaf Lounges or Air Canada Cafés is available in conjunction with a same-day ticket when departing on a flight marketed or operated by Air Canada, Air Canada Rouge^®*, under the Air Canada Express^®* brand, or any Star Alliance member airline. 

Anyone under the age of majority entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge or Air Canada Café is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. See www.aircanada.com/lounges-termsandconditions for Terms and Conditions applicable to Maple Leaf Lounges and Air Canada Cafés .

5. A Basic Cardmember or Supplementary Cardmember, and up to eight (8) other passengers traveling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Airport Standby, and a higher priority for upgrade requests to a premium cabin. Priority airport standby and upgrade clearance are available on day of travel when travelling on a fare that allows for airport standby or upgrades, and upon satisfying applicable condition(s), such as payment of fees or use of upgrade instrument(s), such as eUpgrade credits. Benefit only applies for flights operated by Air Canada, Air Canada Rouge, or under the Air Canada Express brand. Priority on standby and upgrade lists is determined by several factors, including, but not limited to, holding Aeroplan Elite Status, an eligible Aeroplan credit card, and other rules as determined by Air Canada in its sole discretion and as may be changed by Air Canada from time to time. See www.aircanada.com/elite-termsandconditions for applicable Aeroplan Elite Status and eUpgrade conditions.

6. Basic Cardmembers who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 200,000 Status Qualifying Miles (SQM) from the prior qualification year to the next qualification year. For rollover of unused Status Qualifying Miles into the next calendar year, apply and get approved for the American Express^® Aeroplan^®* Business Reserve Card before December 15 of the current calendar year. Benefit based on holding Aeroplan Elite^TM* status, having an eligible American Express^® Aeroplan^®* Business Reserve Card linked to your Aeroplan account, and unused Status Qualifying Miles appearing on your Aeroplan account as of December 31 of the current calendar year. This benefit applies when the member qualified for Aeroplan Elite^TM* Status by earning the required SQM or Status Qualifying Segments (SQS), as well as the required Status Qualifying Dollars (SQD), in the prior qualification year. If the member has been granted complimentary status, as determined by Air Canada, that is higher than the status they would have earned via their Status Qualifying balances, the rollover amount will be based on the status they would have earned otherwise (if any), and not the granted status. SQM rolled over from the previous qualifying year will apply towards status qualification for the following qualifying year. Rollover SQM will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member earned at least Aeroplan 25K Status based on their Status Qualifying balances from the prior qualifying year. Rollover does not apply to SQS or SQD. Benefit is only available to Basic Cardmembers and does not apply to Supplementary Cardmembers. In the event the card is changed to a different product or the account is closed, regardless of reason for closure, any SQM rolled over as a result of this benefit will be removed from the Aeroplan account, and any status earned as a result of these rolled over SQM may also be rescinded. SQM do not count towards Million Mile Status and are not redeemable towards Aeroplan rewards. Where a Basic Cardmember is eligible to roll over SQM under another Aeroplan credit card, the total cumulative roll over of all SQM towards Aeroplan Elite^TM* Status cannot exceed the maximum of 200,000 SQM. All Aeroplan Elite^TM* Status conditions apply and can be reviewed at www.aircanada.com/elite-termsandconditions.
 

7. Extended eUpgrade Validity eUpgrade credits are valid for 12-months following the issuance date of the eUpgrade credits. New eUpgrade credits issued to the Aeroplan account of a Basic Premium Cardmember who also holds Aeroplan Elite Status (Aeroplan Elite 25K and above) will be valid for an additional 12 months, for a total of 24 months validity from issuance date. Unless otherwise specified, eUpgrade credits issued on a promotional or goodwill basis, as well as those already rolled over from a previous benefit year, are not eligible for this benefit. To qualify for an extra 12 months of eUpgrade validity, the Basic Premium Card must be open and linked to the member’s Aeroplan account and the member must hold Aeroplan Elite Status at the time the eUpgrade credit is issued. If the Premium Card is changed to a different product or the account is closed, regardless of reason for closure, or if the Basic Cardmember loses Aeroplan Elite Status, the expiry date of any eUpgrade credits issued after the date of Premium Card product change and/or loss of Aeroplan Elite Status will be issued with the standard 12-month eUpgrade validity. eUpgrade credits issued prior to Premium Card account linking will retain their original 12-month expiry date. After account closure or change of the Basic Premium Card to a different Card product, eUpgrade credits issued with a 24-month validity period will retain their original 24-month expiry date. Benefit is only available to Basic Cardmembers and does not apply to Supplementary Cardmembers. All eUpgrade conditions apply and can be reviewed at the Air Canada eUpgrade eligibility page (www.aircanada.com/eupgrade-termsandconditions). 
 

8. Basic Cardmembers will receive one (1) Annual Worldwide Companion Pass after spending more than $25,000 on net purchases (less any returns, credits and adjustments) posted to the Basic Cardmember’s card account in the 12 months prior to their Card anniversary date. The pass will be deposited into the Aeroplan account 8-10 weeks after the Card anniversary date. 

On each Card anniversary date, the calculation of the annual net purchases resets to zero and Basic Cardmembers must qualify again in the new annual period. Purchases transacted or posted on the Card anniversary date will be included in the calculation of net purchases for the next annual period and not the previous annual period. 

The pass entitles a companion to accompany the Basic Cardmember upon the purchase of a fixed base fare (plus taxes, fees, charges and surcharges), when the Basic Cardmember books a published economy fare on a flight marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. 

Valid against the purchase of one round-trip fixed base fare (plus taxes, fees, charges and surcharges) for a companion when travelling on the same itinerary and booked at the same time as the Basic Cardmember. 

Passes are valid for 12 months from the date issued. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). 

Maximum of one companion pass may be used per booking. If one-way travel is booked, the full base fare will be charged, the pass will be deemed fully used and the return portion of travel will be forfeited. 

Total pricing varies based on itinerary booked. Basic Cardmembers may use the pass only once on their choice of travel: (i) within Canada and continental US (excluding Hawaii) for $99 CAD base fare (ii) to/from Hawaii, Mexico, Central America, and the Caribbean for $299 CAD base fare, (iii) to/from South America, Europe, Middle East, and Africa for $499 CAD base fare, and (iv) to/from Asia, Australia, and New Zealand for $599 CAD base fare. 

In addition to the purchase of a fixed base fare, the companion will be responsible to pay all applicable taxes, fees, charges and surcharges that apply above the companion’s base fare. All travel must originate or terminate in Canada or the United States. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. 

The companion will be booked into the same fare brand as the Basic Cardmember and will receive all applicable benefits and services associated with that fare brand. The pass may not be used against the purchase of premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. 

The pass must be redeemed at the time of purchase, and if multiple companion passes are available in association with the same Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date, but travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. 

Pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both the Basic Cardmember and the companion, and failure to do so may result in the companion pass being forfeited. If during a change or cancellation the pass is reinstated in the Basic Cardmember’s Aeroplan account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travelers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable, and all taxes, fees, charges and surcharges that apply above the base fare. The Basic Cardmember’s account must be and remain active (not cancelled) and in good standing in order to receive and retain the reward. 

Companions who are members of Aeroplan or other partner frequent flyer programs are eligible to accumulate points and/or miles for the ticket issued in exchange for the companion pass according to conditions of the fare brand purchased. 

Aeroplan Elite Status benefits and upgrades are applicable if the traveler holds appropriate status and the fare purchased allows. 

Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the card account is cancelled, regardless of reason for cancellation, or if the card account is changed to a different product. 

Air transportation services on Air Canada are subject to Air Canada’s General Conditions of Carriage & Tariffs (www.aircanada.com/conditionsofcarriage) at the time of booking.

9. You can earn Aeroplan points (“points”) for eligible business purchases at American Express retail merchants as follows: Earn 3 points for every $1 of eligible purchases made directly with Air Canada. Earn 2 points for every $1 of eligible hotel or car rental purchases. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. Eligible hotel and car rental purchases are purchases at American Express merchants whose primary business is hotel and lodging or car rental as categorized on American Express Systems. Eligible purchases are bookings made directly with the car rental or hotel as the merchant and paid for with your Card. Purchases made through American Express Travel Services are also eligible. Purchases made through Air Canada, Air Canada Vacations, travel agencies (other than American Express Travel Services), tour operators, and online travel sites are not eligible. Earn rate of 1.25 points for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points.

Learn more at www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html

10. For every $5,000 in eligible purchases (less any returns, credits and adjustments) charged to the card and posted to the card account, Basic Cardmembers will earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) which will be deposited in their Aeroplan member account and appear on the next card account billing statement. 

Please allow at least three (3) days after being earned for the SQM and SQS to be added to your Aeroplan account. 

SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. 

SQM do not count towards Million Mile Status. Supplementary Cardmember(s) are not eligible to receive SQM or SQS through this benefit; however, all eligible spend by Supplementary Cardmembers will count towards the Basic Cardmember’s spend.

Basic Cardmembers may earn unlimited bonus SQM and SQS during an Aeroplan Elite Status qualification period. In the case of returns, credits or adjustments that reduce the amount of net purchases below a previously achieved threshold for which SQM and SQS was not previously awarded, you may not earn the SQM and SQS, but if you were awarded SQM and SQS, the amount deducted could result in you having negative net purchases and you will have to make purchases if you wanted to bring your net purchases to zero before earning towards your next SQM and SQS. 

All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

11. Basic Cardmember or eligible Supplementary Cardmember, and up to eight (8) other passengers traveling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge^®* or under the Air Canada Express^®* brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite^TM* Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Lap held infants do not qualify for First Free Checked Bag. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, please visit www.aircanada.com/baggage.

12. American Express Basic and Supplementary Cardmembers with an eligible Card are entitled to access the Pearson Priority Lanes (“Priority Lanes”). The Priority Lanes are serviced by the Greater Toronto Airport Authority. Priority Lanes are located at select departure areas at Toronto’s Pearson International Airport in Terminals 1 & 3. Access to a Pearson Priority Lane is available to eligible Canadian Cardmembers and companions travelling on the same itinerary. The eligible Cardmember can request single-use QR Codes online by visiting go.amex/yyz. For assistance, please call the phone number on the back of your card. Access to the Priority Lanes is intended for the Basic and Supplementary Cardmember and a reasonable number of persons travelling with them on the same itinerary. If we determine, in our sole discretion, that a Cardmember (or Supplementary Cardmember, as applicable) is not using this benefit as intended, we reserve the right to revoke your access to the benefit or to cancel your Card account. All passengers departing from Pearson International Airport, including those accessing the Priority Lane, are required to comply with airport security and customs screening requirements. Priority Lanes access is subject to change or cancellation at any time and additional terms and conditions apply.

13.  Toronto Pearson Valet Service – Basic and eligible Supplementary American Express Aeroplan Business Reserve Card members must charge the parking fee to their American Express Aeroplan Business Reserve Card for the associated Valet fee to be waived. The American Express Aeroplan Business Reserve No Fee Supplementary Cards are not eligible for this benefit. Waived fee applies only to Toronto Pearson Airport Valet Services in Terminal 1. For more information on Valet Service visit torontopearson.com.

14. Toronto Pearson 15% Parking Discount – Basic and eligible Supplementary American Express Aeroplan Business Reserve Card members can receive 15% discount off the cost of parking (including taxes) which will be provided as a credit to your Basic American Express Aeroplan Business Reserve Card statement. The American Express Aeroplan Business Reserve No Fee Supplementary Cards are not eligible for this benefit. The parking lot is subject to availability. Discount available at Express Park in Terminal 1 and Daily Park in Terminals 1 & 3. 15% Discount cannot be used when reserving parking on Greater Toronto Airport Authority’s (GTAA) Parking Reservation system or in conjunction with any other offers or discounts offered by GTAA. For more information on parking lots visit www.torontopearson.com.

15. Toronto Pearson Discounted Car Care - Car Care services must be charged to your Basic and eligible Supplementary American Express Aeroplan Business Reserve Card. The American Express Aeroplan Business Reserve No Fee Supplementary Cards are not eligible for this benefit. 15% discount off cost of Car Care services (including taxes) will be provided as a statement credit. Only Canadian American Express Cards are eligible for the Car Care services. Subject to availability. Access to the Car Care services is available in Terminal 1 on level 5 of the Daily Park garage. For more information on parking lots visit www.torontopearson.com.

16. Priority PassTM - These Terms and Conditions govern Basic American Express Aeroplan Business Reserve Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. All lounge visits are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. This fee applies to the Cardmember and his/her guests. Some lounges do not admit guests. By enroling in Priority Pass, you agree that you will be responsible for all visit costs and that your American Express Aeroplan Business Reserve Card will be automatically charged after you have signed for the visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enroled, American Express Aeroplan Business Reserve Cardmembers whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel, or by scanning their Priority Pass membership using the Priority Pass mobile app (as applicable). In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact American Express using the number on the back of your American Express Aeroplan Business Reserve Card. Supplementary Aeroplan Business Reserve and Supplementary Aeroplan Business Reserve No Fee Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, login to your account at www.prioritypass.com.

17. Destinations: Number of destinations based on the published 2022 route network of Air Canada and its airline partners. Due to travel restrictions, government recommendations and passenger demand resulting from the impact of COVID-19, available destinations may vary.

18. From time to time, eligible Basic Aeroplan Cardmembers can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan credit card and a member logging into their Aeroplan account, along with other rules as determined by Aeroplan in its sole discretion. 

 Learn more at www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html

19. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. Trips will not be covered for trip cancellation, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards^® Program. All reward programs are governed by their own terms & conditions.

20. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.

21. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. Coverage is in effect as long as you have fully charged your rental to your American Express^® Aeroplan^®* Business Reserve Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

22. Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express^® Aeroplan^®* Business Reserve Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

23. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

24. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

25. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca. Coverage is in excess of any and all other applicable insurance.

26. When you create an installment plan, you will be charged a monthly installment fee. The monthly installment fee percentage will be disclosed to you during plan creation. This is not a promotional or special rate offer.  The fee charged is comparable to the interest you would have paid if you carried this balance on your account, without being in an installment plan. Please see the American Express Installment Program section in your Cardmember Agreement or the Plan It™ Terms and Conditions for more details. The American Express Installment Program is currently not available in Quebec, Nova Scotia, PEI or Nunavut. 

27. Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada and cards issued by a licensed third party issuer (as applicable) are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express^® Gift Cards and Prepaid Cards. Subject to offer terms and conditions, and full program terms.

28. American Express^® Aeroplan^®* Business Reserve Cardmembers are eligible to receive up to $100 CAD in statement credits every four (4) years for application or renewal fees for the NEXUS program when charged to an eligible Card. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to the nearest dollar, up to a maximum of $100 CAD in cumulative statement credits, per account per four (4) year period, regardless of whether the NEXUS fees are charged on the Basic or Supplementary Card. American Express will not provide additional statement credits once the maximum of $100 CAD in cumulative statement credits have been issued for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. For existing Cardmembers as of May 11, 2022, the first four (4) year period runs from May 11, 2022 until May 10, 2026. For new Cardmembers after 2022 May 11, 2022. the first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. In either case, each subsequent four (4) year period follows the period that immediately preceded it. American Express has no control over the application and/or approval process for the NEXUS program and does not have access to any information provided to the government by the Cardmember or by the government to the Cardmember. American Express has no liability regarding the NEXUS program. The NEXUS program is run by CBSA and the U.S. Customs and Border Protection independently (without administration by American Express). For additional information on the NEXUS program, please visit www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html. The NEXUS program is subject to change, and American Express has no control over those changes.

Please allow up to 8 weeks after the qualifying NEXUS transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible NEXUS purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 6-8 weeks, simply call the number on the back of your Card. Cardmembers are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment. 

29. Eligible Basic American Express Aeroplan Cardmembers with an existing Avis account may qualify to enroll for Avis President’s Club status. Enrollment into the Avis President’s Club is required, subject to approval. Complimentary upgrade subject to the Avis Preferred Terms and Conditions. Avis is responsible for the fulfillment of the upgrade to Avis President’s Club status.Learn more about the Avis President’s Club upgrade, full terms and conditions and how to register by visiting https://www.aircanada.com/ca/en/aco/home/aeroplan/partners/avis.html#/.

30. Points required for a flight will vary based on travel itinerary, fare type, travel date and departure city. Taxes, fees and third-party charges apply. For details on the number of points required for flight rewards to a destination, visit the Air Canada Flight Predictor tool at aircanada.com/pointspredictor. If booking for travel in a high demand period, such as a popular time to go to a destination, the number of points required may fall above the range that is displayed during normal times.

31. “Get a 4th Night Free” Hotel Offer Terms & Conditions

“Get a 4th Night Free” hotel offer (the “Offer”) is a limited time promotion offer for hotel room redemption bookings at participating hotels made with Aeroplan points only between 12:01am ET September 13, 2023 and 11:59pm ET on December 31, 2024 by Primary or linked Supplementary Aeroplan Co‑brand Cardmembers (each a “Cardmember” and collectively “Cardmembers”). Unless otherwise permitted, the Offer cannot be combined with any other offer. For every 4‑night consecutive hotel stays at a participating hotel using only Aeroplan points from the Aeroplan account of the Cardmember booked on the travel booking website operated by Loyalty Travel Agency LLC, doing business as cxLoyalty (the “Website”), a Cardmember will be able to stay one of those four nights at that same hotel during that same stay under the same confirmation number for no additional Aeroplan points. For example, a Cardmember booking a 4‑night consecutive stay will only need to redeem Aeroplan points for 3 nights (i.e., 15,000 points per night required for 4 nights is 60,000 points but under the Offer you only require 45,000 points (15,000 x 3) for the 4 nights). Or for an 8‑night consecutive stay, the Cardmember will only need to redeem Aeroplan points for 6 nights and so forth. The nights must be within the same stay at the same participating hotel, and you can’t combine separate bookings and still get an extra night. There will be no points refund or free night credit for any unused portion of the Offer. The redemption booking summary will show the taxes and fees included in the points redemption rate. Local taxes and fees (such as destination and/or resort fees) may not be included in your hotel room points redemption rate and will still apply to each hotel night booked with points and be payable directly at the hotel. Refer to the Travel Terms and Conditions of Loyalty Travel Agency LLC for more details.

Hotel redemption pricing in points can fluctuate from night to night and the free night is based on the average points cost per hotel room redemption night across all nights of the stay of 4 nights or longer that will be calculated. The average points required for one hotel room night redemption will then be removed from the total of the 4 nights.

The amount of Aeroplan points required per night varies by the participating hotel, room type available at the participating hotel, length of stay, and may also vary by time of year. Points required per hotel room night redemption are updated continuously and may change at any time without notice. If a Cardmember makes a modification to a booking made pursuant to the Offer, the Cardmember will be responsible for any changes to the number of points required for the hotel room redemption nights.

The Offer applies to hotel redemptions of all room types made using only Aeroplan points on the Website. Offer is not applicable to bookings combining cash and points or cash only. To participate in the Offer, a Cardmember must have enough Aeroplan points (either in their own Aeroplan account or in their Aeroplan family pooling account) to cover the cost of redeeming for at least 3 hotel room nights at the selected participating hotel.

The Offer is not transferable and is not redeemable for cash. If the Offer is not running as planned for any reason, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, pandemic or any other causes beyond the reasonable control which corrupt or affect the administration, security or proper conduct of the Offer, the Offer can be terminated or suspended, in whole or in part, or modified in any way, without advance notice. Furthermore, any individual that is believed to be tampering with the process or the operation of the Offer can be disqualified from the Offer and banned from any future offers.The following terms also apply to this Offer:

• Aeroplan Program General Information and Terms and Conditions
• Air Canada Privacy Policy
• Aeroplan’s Privacy Policy
• Travel Terms and Conditions of Loyalty Travel Agency LLC
• HotelSavers Terms & Conditions

American Express is not responsible for the fulfillment of the Offer or the terms of use. The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc.

32. Your points will not expire provided that you are the Basic Cardmember of an American Express Aeroplan card and your Aeroplan account is in good standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions).

For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy. 

33. When you apply for a Card through a third-party website, we may share your personal information, including card type, with that third party. The third party may use your personal and aggregated information for offer fulfilment and to improve the effectiveness of its advertising.

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