American Express Business Gold Rewards Card vs CIBC Aeroplan Visa Business Card
The short answer: for most people the American Express Business Gold Rewards Card is the better overall card — we rate it 4.8/5 and it shines if you want maximizing rewards on all purchases. Choose the CIBC Aeroplan Visa Business Card instead if your priority is maximizing rewards on travel & dining.
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| Our rating | 4.8 | 4.8 |
|---|---|---|
| Annual fee | $199/yr | $180/yr |
| Welcome bonus | ~$2,001 | ~$2,415 |
| Foreign transaction fee | 2.5% | 2.5% |
| Rewards type | points | points |
| Top earn rates |
|
|
| Purchase interest | 20.99% | 20.99% |
| Income required | None stated | None stated |
| Best for | Maximizing rewards on all purchases | Maximizing rewards on travel & dining |
| Apply now | Apply now |
American Express Business Gold Rewards Card
Our winnerThe American Express Business Gold Rewards Card earns up to 1x on all purchases and carries a $199 annual fee. We estimate around $2001 in first-year value. Figures are illustrative — verify current terms with American Express.
CIBC Aeroplan Visa Business Card
The CIBC Aeroplan Visa Business Card earns up to 1.5x on travel & dining and carries a $180 annual fee (first year rebate). We estimate around $2415 in first-year value. Figures are illustrative — verify current terms with CIBC.
Frequently asked questions
Is the American Express Business Gold Rewards Card or the CIBC Aeroplan Visa Business Card better?
For most Canadians, the American Express Business Gold Rewards Card is the better overall pick (we rate it 4.8/5 vs 4.8/5). It's especially strong if you want maximizing rewards on all purchases. The CIBC Aeroplan Visa Business Card can still win if you specifically want maximizing rewards on travel & dining.
Which card has the lower annual fee?
The CIBC Aeroplan Visa Business Card has the lower annual fee (a $180 annual fee vs a $199 annual fee).
Do either of these cards charge foreign transaction fees?
American Express Business Gold Rewards Card: 2.5% foreign transaction fee. CIBC Aeroplan Visa Business Card: 2.5% foreign transaction fee.