Aeroplan Business Credit Cards: Issuer Terms Guide

Which terms govern a business Aeroplan card?

The issuer named on the card application is the source for that card's fee schedule, employee-card wording and insurance certificate. Aeroplan supplies the points currency; the issuer supplies the card, its price and its benefits. For the card you are considering, read the terms published for that card rather than assuming that a rule on another card, or on a personal card, applies.

Issuer documents can vary by card. American Express, for example, publishes a schedule of fees and charges and a set of most important terms and conditions for its India credit cards, and it states that fees and interest rates can vary from card to card. [4] Those documents are where the card's charges and conditions are set out. [4]

How do employee cards work on a co-brand business account?

WestJet's business card terms show how one co-brand account can work: more than one person can spend on the same account, and the terms decide who receives the reward. WestJet's terms for the WestJet RBC World Elite Mastercard for Business give one example: the primary cardholder earns Status Lift — 200 CAD of tier qualifying spend for every 5,000 CAD in eligible purchases charged to the account during a qualifying year — and purchases made by any cardholder on the account count toward reaching that threshold. [6] The credit itself is posted only to the primary cardholder's WestJet Rewards account, so a supplementary cardholder does not build the benefit in their own name even though their spending helped earn it. [6]

This is a WestJet example, not an Aeroplan rule. Whether spending by an employee cardholder on an Aeroplan business card feeds the earn rate, a welcome offer or any status-related benefit is a question for that card's issuer terms.

What should you compare before applying?

Before applying, read the issuer's terms for the card on these points:

• Annual fee. The amount the issuer charges, whether an employee card adds to it, and whether the fee changes after the first year.
• Employee cards. Who may hold a card on the account, what each one costs, and whether their spending counts toward the earn rate or any status benefit.
• Earn rate. How many Aeroplan points each dollar of spending produces, which spending categories are treated differently, and which transactions are excluded.
• Welcome offer. The spending required, the window allowed, and whether the bonus is paid once per business or once per cardholder.
• Travel benefits. Insurance, lounge access and any status-related perk, read on the business card's own wording; the Aeroplan card travel insurance page explains how those certificates are structured.

Exceptions and limits

• A benefit advertised for a personal card does not establish the same benefit on a business card. Check the business card's own fee schedule, insurance certificate and card terms.
• On the WestJet business card, tier qualifying spend earned through Status Lift has no monetary or exchange value, cannot be sold or transferred, and cannot be redeemed against flights. [6]
• The same benefit is capped at 50 Status Lifts in a qualifying year, and the count and the qualifying spend reset at the start of each qualifying year. [6]
• Purchases made late in December may post after the December statement date and not count toward that year's threshold. [6]
• WestJet reserves the right to remove Status Lifts and any tier upgrade already granted if the card account is closed before the end of the qualifying year. [6]

Related pages

Programme: Aeroplan. Related pages: TD, CIBC, American Express. Comparisons and background: Aeroplan co-brand cards compared, Aeroplan credit card travel insurance, and the glossary of frequent flyer terms.

Sources

Sources checked on 18 October 2026.

1. American Express India credit cards, fees and card terms, checked 18 October 2026
2. WestJet World Elite Status Lift terms and conditions, checked 18 October 2026