American Express® Business Gold Rewards Card
Go beyond business as usual
Earn up to 110,000 points.
Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.1
Plus earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. That’s a total of up to 40,000 points every year.1
That’s up to $1,100 in statement credit that can be reinvested in your business.29
Financial Information
Purchasing Power
No Pre-set Spending Limit
Payment Flexibility
Choose to pay the minimum amount, the full amount – or anything in between.2
Up to 55 interest-free days3
Have more cash on hand when you need it the most.
Annual Fees
$199
Option to add Employee Business Gold Rewards Cards for $50 annually31
Option to add Employee Business Gold Rewards Cards for $50 annually31
How You Earn
10,000
POINTS
Each Quarter
when you charge $20,000 in net purchases to your Card5
1X
POINTS
On everything
for every $1 in Card purchases5
Featured Benefits
Welcome Bonus
Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.1
Enjoy financial flexibility that offers you more control
Your Card comes equipped with business sized purchasing power that adapts based on your spending habits and needs. This is coupled with flexible payment options so you can make payments on your own terms.2
Dynamic purchasing power
Enjoy purchasing power that adjusts to your Card usage, with the ability to grow over time if you pay on time and maintain a good credit history.4
Maximize your cash flow
Benefit from up to 55 interest-free days2 so you keep more cash on hand when you need it most.
Earn 1X the points on everything
From office supplies and software to professional services and utilities, earn 1 point for every $1 in Card purchases.5
All Benefits
Earning Points
Earn 1 Membership Rewards point for every dollar in purchases charged to the Card. Plus, earn 10,000 bonus Membership Rewards® points when you spend $20,000 in net purchases each calendar quarter5,1. That's a 50% points-bonus and it could add up to 40,000 extra points in a calendar year.
Track Your Progress - Log into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use http://amex.ca/Mobile to view more information. Available on iOS and Android only.
As an eligible Basic Cardmember, refer a friend or family member who is a business owner and you7 could earn a maximum annual referral bonus of 75,000 Membership Rewards points8.Redeeming Points
Get choice and flexibility with a wide range of travel, dining, entertainment and retail rewards options.- Use points to book flights within Canada or to anywhere in the world with a fixed number of points.9
- Redeem points for statement credits to offset any eligible purchase charged to your Card.6
- Use points to pay for your Amazon.ca purchases at checkout.10
- Use points for a wide range of gift cards and merchandise.11
- Transfer points to frequent flyer and hotel programs12, including one-to-one to Aeroplan®*13 and Avios14.
- Use points for flights, hotels and car rentals with American Express Travel.29
- Redeem points for flight purchases on AirCanada.com.30
Dynamic Purchasing Power
Enjoy financial flexibility with No Pre-set Spending Limit on purchases. Your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.4Up to 55 interest-free days3
Maximize your cash flow with up to 55 interest-free days.3 Use the Card for all of your everyday business expenses and earn rewards while you're at it.Flexible Payment Option
You have options when it comes to paying your Card account balance. with Flexible Payment Option, you can choose to pay your balance in full, the minimum amount due or anything in between.2
Don’t forget, your Employee Cards also earn points, so the more Cards you have, the more points you will earn.Expense Management Reports
Gain access to paperless Expense Management Reports delivered quarterly and annually. These reports offer:- The ability to sort by vendor or spend category
- The ability to separate personal expenses from business
- The flexibility to track and manage expenses more easily
Business Servicing
Get access to your billing information. With online services, you can:- View your current statement
- Sign up for Account Alerts
- Update your contact details
- Make a payment
Plus, if you want to get a hold of us, there is always someone local to speak with you, 24/7, about whatever you need.
Employee Card Misuse Protection15
Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owner and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.Car Rental Theft and Damage Insurance16†
Save money when travelling with complimentary Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to the American Express Business Gold Rewards Card. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.Lost or Stolen Baggage Insurance17†
When you fully charge your airline tickets to your American Express Business Gold Rewards Card, you are covered for loss or damage to your checked-in or carry on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined.Hotel Burglary Insurance18†
Automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel room is burglarized. Coverage is in effect as long as you have fully booked and paid for your accommodations with your American Express Business Gold Rewards Card.Flight Delay Insurance19†
Charge your airline ticket to your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 48 hours when you are delayed or denied boarding for four hours or more and no alternate transportation is made available.Baggage Delay Insurance19†
Book a flight with your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.Travel Emergency Assistance20
Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week.$100,000 Travel Accident Insurance21†
Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your Business Gold Rewards Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.Purchase Protection® Plan22†
Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Gold Rewards Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.Mobile Device Insurance23†
When you fully charge or finance the purchase price of an eligible mobile device to your Business Gold Rewards Card, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world. Coverage begins on the date the first transaction related to the purchase of your mobile device is charged to your Card, or on the 91st day following the date of purchase of your mobile device (in order to avoid overlap with the 90-day coverage available to you under your Purchase Protection® Plan Certificate of Insurance), and continues for a maximum of 2 years from the date of purchase.Buyer's Assurance® Protection Plan23†
This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Business Gold Rewards Card. This applies to products purchased with the Card anywhere in the world, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. Jewelry, motorized vehicles, and their parts are excluded in this coverage. You will need approval before any repairs will be covered. Replacement and repair costs are limited to $10,000 per eligible item up to a maximum of $25,000 per Cardmember per policy year for all occurrences combined.The Hotel Collection24
When going away means staying closer to home.
For a stylish escape and signature rewards in locations near and far, book The Hotel Collection with American Express Travel. Stay at hotels that have their own persona.
Stay two or more consecutive nights at participating properties and receive the following benefits:- Up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
- A one-category room upgrade at check-in, when available
Hertz Car Rental Benefit25
Enroll into the Hertz Gold Plus Rewards® loyalty program and take advantage of your special Hertz privileges on select vehicles at participating Hertz locations, including:- Discount off the standard rates26
- One car class upgrade (subject to availability) on rentals of 5 or more consecutive days26
Fee-waived for one additional driver26
Front Of The Line® Advance Access
Cardmembers can purchase Front Of The Line presale tickets or make Front Of The Line reservations to some of the most in-demand concerts, theatre productions, restaurants and special events, often before the general public.27Front Of The Line® Reserved Tickets
During the public on-sale period for many major events, Cardmembers can purchase Front Of The Line tickets from a block of great seats reserved exclusively for American Express.Front Of The Line® E-Updates
Learn more at ticketmaster.ca/americanexpress, and subscribe to receive Front Of The Line Entertainment e-Updates to get the hottest event listings sent directly to your inbox.Special Offers & Experiences for all Cardmembers
Throughout the year, Cardmembers can purchase a variety of special offers created just for American Express. From advance screenings of blockbuster movies, to weekend getaway packages and special online and in-store shopping deals, it’s never been easier to have an experience you’ll never forget.Special Access for all Cardmembers
Cardmembers can breeze through the line with the American Express entrance at The Molson Canadian Amphitheatre, sit back and relax in American Express Lounges at The Molson Amphitheatre, Roy Thomson Hall, Princess of Wales Theatre, and enjoy express service at the American Express bar at Massey Hall.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 the Business Gold Rewards 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 PIN29.Amex Offers28
You can access over $1,000* in value every year with Amex Offers. Make business purchases more rewarding with special offers for dining, travel, business supplies and services, and more through the Amex App or Online Services. New offers are always being added, so be sure to check regularly.
*Based on Amex Offers value available to eligible Cardmembers in the previous calendar year. Amex Offers are subject to terms and conditions such as enrollment, spend requirements, offer periods and are available in certain channels and at select merchants.
Eligibility
- You are a Canadian resident and have a Canadian credit file
- You are the age of majority in the province or territory where you live
Important Information
†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. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.
Apply now for the American Express® Business Gold Rewards Card.