Aeroplan® Credit Card vs American Express® Business Platinum
Side-by-side comparison
| Aeroplan® Credit Card | American Express® Business Platinum | |
|---|---|---|
| Annual fee | $95 | $895 |
| Welcome offer | 75,000 points | Up to 300,000 Membership Rewards® Points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 3% | 5% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $594 | $642 |
| Points type | Locked to Air Canada Aeroplan | Transfers to airlines & hotels |
| Network | Mastercard | Amex |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Aeroplan® Credit Card earns about $594 a year in rewards and the American Express® Business Platinum about $642, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The American Express® Business Platinum charges $895, but carries about $1,530 in annual statement credits that offset it for anyone who uses them. The two are close on value, but the American Express® Business Platinum edges ahead by about $13 a year, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the American Express® Business Platinum earns points you can move to travel partners for outsized value, while the Aeroplan® Credit Card stays locked to a single airline or hotel program. Favor the American Express® Business Platinum if you will use travel transfers, the Aeroplan® Credit Card if you want simplicity. On the sign-up bonus, the American Express® Business Platinum currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Business Platinum if your spending leans toward travel.