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Business Cards

Start using the right Card for the job. From being rewarded on your business purchases to managing cash flow and gaining purchasing power, our Cards get the job done*.

Benefits for almost every business

No matter what business you’re in, using an American Express® Business Charge Card could benefit your business. American Express® Business Cardmembers represent many different industries including: dental, construction, veterinary, plumbing and electrical, retail, restaurant, automotive, optical, pharmaceutical, travel, and consultancy, just to name a few.

So whether you’re paying for business travel, parking, office supplies, equipment, business registration or advertising, use the Gold Business Charge Card or Platinum Business Charge Card and you could turn business expenses into rewards. Learn more about the American Express Business Cards, exclusively for businesses.

    World Class Service

    Wherever you are and whatever the time, we’re here for you in more ways than one.

    24/7 Customer Service

    Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.

    Emergency Card Replacement

    Problem? Wherever you are, call us and we’ll help sort it.

    Fraud Protection Guarantee

    Use your Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.§
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    American Express® Business Gold Rewards CardBusiness Platinum Card® from American ExpressAmerican Express Business Edge™ Card

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    Why American Express?


    American Express begins and ends with service. From finding a doctor when you’re abroad, to resolving an unauthorised transaction.


    Whether you desire travel rewards, merchandise or gift cards, there’s a Card and Reward Program that’s right for you.


    Our Small Business Cards’ fraud, travel and shopping protection are designed to cope with real life – no matter how extraordinary that may be.
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    Annual revenue more than $10 million?

    Learn more about our Corporate Cards & Solutions

    Terms & Conditions

    Terms & Conditions
    • † All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
    • * Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details. Maximum of 99 Supplementary Cards. Supplementary Card applicant must be the age of majority. Supplementary Cards have an annual fee of $50 each.
    • 1. 30,000 Welcome Bonus points - This offer is only available to new American Express Business EdgeTM Card Cardmembers. For current or former American Express Business EdgeTM Card Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. Offer subject to change. To qualify for the Welcome Bonus you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card Membership. Account must be in good standing. Please allow up to eight weeks for the Welcome Bonus to be awarded.
    • 2. Maximum of 99 Supplementary Cards per account. Supplementary Card applicant must be the age of majority. No annual fee for supplementary cards.
    • 3. You can earn Membership Rewards points for eligible purchases at American Express retail merchants as follows: Earn 3 points for every $1 at or for (i) office supply retailers whose primary business is the sale of office supplies in Canada, (ii) electronic goods retailers whose primary business is the sale of electronics in Canada, (iii) stand-alone automobile gasoline stations in Canada, (iv) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services, (v) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, and (vi) delivery of food in Canada as a primary business, but not including groceries, up to a combined maximum of 75,000 Membership Rewards points earned on net purchases posted to your account annually on these categories. Once the maximum is reached, you will no longer earn at 3 points for every $1 regardless of any deductions of points for credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, points can be earned on eligible purchases less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Points are not eligible for transfer to programs that offer airline and frequent flyer redemptions.5. All references to you means the Basic Cardmember.
    • 4. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers.

      Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.

      The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference: (i) cannot be used to cover taxes, fees or carrier surcharges; (ii) will not be credited to your Card account; and (iii) will not be applied to cover additional costs associated with changes or cancellations. The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.

      Example 1:

      A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).

      If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.

      Example 2:

      A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).

      You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.

      If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.

      American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid above, at any time.

      The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit MembershipRewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
    • 5. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Eligible Travel Purchases: 1,000 points=10 statement credit. All other eligible purchases: 1,000 points=$7 statement credit.
    • 6. By participating in Amazon.ca’s Shop With Points program using American Express Membership Rewards (“MR points”), you agree to these Service Terms as well as Amazon.ca’s Terms of Use (including “Frequently Asked Questions”). Please review them carefully, together with Amazon.ca’s Privacy Notice, to understand Amazon.ca’s practices.

      To use your MR points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account (“MR points Account”) must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud.

      You agree that Amazon.com.ca, Inc. and its affiliates (collectively, “Amazon”) may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, “Amex”). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop With Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR points Account and, once enrolled, Amex may provide Amazon with information about your MR points Account, including your total MR points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop With Points program for any purpose other than as expressly set forth in this paragraph.

      Certain items at Amazon.ca are not eligible for purchase using MR points, and these items may change at any time. MR points may not be used when making purchases with 1-Click. If you do not have enough MR points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR points Account, or an Amazon.ca Gift Certificate. Your MR points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR points in your MR points Account at the time your MR points are ultimately redeemed. If you don’t have enough MR points remaining in your MR points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca.

      Returns are subject to Amazon’s returns policy. If Amazon accepts a return for an item you purchased using only MR points, those MR points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR points to your MR points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card.

      If you use a Corporate Card to make a purchase (whether alone or in conjunction with MR points), you agree that you are using the Corporate Card in accordance with your company’s policy. In the event that a returned item results in a credit to your Corporate Card instead of a return of MR points, it is your sole responsibility to resolve this with your company and you agree to hold Amazon and American Express harmless in respect of any loss you may incur.

      American Express Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners.
    • 7. Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call the number on the back of your Card.
    • 8. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.