Choosing a card
Business Credit Card Changes in November 2026: Smaller Amex Bonuses and New Lounge Limits
American Express cut the welcome bonuses on its Business Platinum and Aeroplan Business Reserve cards, the Business Platinum card will limit lounge visits from January 1, 2027, and RBC and Scotiabank changed two business card offers. We rechecked all 18 business cards on November 7, 2026.
Which business card offers changed?
Four of the 18 business cards we track changed their welcome offer.
| Card | Before | Now |
|---|---|---|
| Business Platinum Card from American Express | Up to 150,000 points | Up to 120,000 points: 80,000 after $15,000 in 3 months, plus 40,000 for a purchase in months 15 to 17 |
| American Express Aeroplan Business Reserve Card | Up to 120,000 Aeroplan points | Up to 90,000 points: 65,000 after $10,500 in 3 months, plus 25,000 after $3,500 in month 13 |
| RBC Business Cash Back Mastercard | $60 cash back bonus | Bonus gone; 2% cash back for the first 3 statement periods, then 1% |
| Scotia Momentum for Business Visa | 5% cash back offer | 2.99% on balance transfers for 6 months (apply by April 30, 2027) |
Every business card now has its own page with earn rates, insurance, eligibility and our first-year estimate for your spending.
Put it into practiceBusiness credit cardsWhat is changing with Business Platinum lounge access?
From January 1, 2027, complimentary visits to Plaza Premium and Priority Pass lounges become limited each year. Spending $20,000 on the card in a calendar year unlocks unlimited visits for the rest of that year and all of the next.
Other lounges in the American Express Global Lounge Collection are not part of this change. If you rely on Priority Pass lounges, compare your yearly card spending with the $20,000 threshold.
What happens to the Aeroplan Business Reserve?
Its welcome bonus fell to 90,000 points, and on January 12, 2027 its annual fee rises from $599 to $799, with the supplementary card fee going from $199 to $249. The no-fee supplementary card becomes a $25 Expense Card.
It gains $100 a year in flight benefits, FLY15OFF, Priority Pass visits and Aspire lounge passes. Our Aeroplan fee article compares it with the personal Aeroplan cards.
What should business owners do?
If you were planning to apply for the Business Platinum or Aeroplan Business Reserve, the bonus is smaller now, so check the first-year estimate on the card page at your own spending. Our business card list ranks all 18 cards by first-year value for the spending you enter.
Keep reading
Choosing a cardCredit Cards With Priority Pass and Airport Lounge Access in CanadaWhich Canadian credit cards still include Priority Pass, which use DragonPass programs instead, how many free lounge visits each gives and whether the annual fee is worth it.
Choosing a cardAeroplan Credit Card Fees Are Going Up on January 12, 2027: What ChangesAmerican Express, CIBC and TD are raising the annual fees on their Aeroplan credit cards from January 12, 2027, by $20 to $200 a year, and adding new Air Canada benefits. Here are the old and new fees, the new perks, and how to decide whether to keep your card.
Choosing a cardCanadian Credit Card Offers in November 2026: New Bonuses and DeadlinesWhat’s new after our November 7, 2026 check of every card offer we track: 50,000 PC Optimum points on the no-fee PC Financial cards, up to 200,000 points on the BMO eclipse Visa Infinite Privilege, and the offers ending before the end of January.
Choosing a cardBMO eclipse Visa Infinite Privilege Changes: What’s New in November 2026What changed on the BMO eclipse Visa Infinite Privilege on November 2, 2026: no foreign transaction fees, 10 lounge passes, a $200 Travel Credit, 5x on health and wellness, and a new 200,000-point welcome offer with higher spending targets.
Official sources and further reading
- American Express: Business Platinum Card ↗
- American Express: Aeroplan Business Reserve Card ↗
- RBC: Business Cash Back Mastercard ↗
- Scotiabank: Momentum for Business Visa ↗
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value