Business Cards

3. Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.

As a Charge Card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.

As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

Each year, 8-10 weeks after your annual anniversary date, you will earn an Annual Free Night Award redeemable within 1 year from issuing for an available single or double occupancy standard room at a participating Starwood, Ritz-Carlton Rewards or Marriott Rewards hotel with a room rate of up to 35,000 points, inclusive of room rate and applicable taxes but exclusive of resort fee. Account must be in good standing. To view the full terms and conditions, visit www.spg.com.

Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Elite status in the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.spg.com. If you already have Gold Elite status or Platinum Elite status in the Starwood Preferred Guest program, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.

Interest Free Days - As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

AIR MILES Business Redemption Benefit: To be eligible for the 25% AIR MILES for Business Rewards discount, you must be an American Express AIR MILES for Business Cardmember. When you redeem AIR MILES Reward Miles for any of the items available in the AIR MILES For Business Rewards catalogue, you can receive a 25% discount off the posted number of AIR MILES Reward Miles required to redeem. This benefit does not include AIR MILES®* Cash redemptions, does not apply to the cash amounts that the Collector either agrees to pay or is required to pay in connection with a redemption, and cannot be combined with any other offer.

®** Trademark of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Amex Bank of Canada.