Business Platinum Card® from American Express

Earning Points

Earn 1.25 Membership Rewards points for virtually every $1 in purchases charged to your Card.³ Earn at the same rate for virtually every dollar in purchases charged to Supplementary Cards added to your account.

All points accumulate in your account so you can get the rewards you want faster. There is no limit to the number of points you can earn and your points never expire.

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 225,000 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.¹⁰
• Use points to pay for your Amazon.ca purchases at checkout.¹¹
• Use points for a wide range of gift cards and merchandise.¹²
• Transfer points to frequent flyer and hotel programs¹³, including one-to-one to Aeroplan^®*14 and Avios¹⁵.
• Use points for flights, hotels and car rentals with American Express Travel.⁴⁶
• Redeem points for flight purchases on AirCanada.com.⁴⁷

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.⁵

Up to 55 interest-free days⁴

Maximize your cash flow with up to 55 interest-free days.⁴ 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 Protection¹⁶

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 owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.

Emergency Medical Insurance^17† (Out of province/country)

Provides coverage for eligible emergency medical expenses incurred while travelling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under the age of 65.

Trip Cancellation Insurance^18†

When you fully charge your travel arrangements to your Business Platinum Card this coverage provides for the reimbursement of the non-refundable pre-paid travel arrangements, up to $1,500 per insured person to a maximum coverage up to $3,000 for all insured persons combined, when you cancel a trip for a covered reason.

Trip Interruption Insurance^19†

When you fully charge your travel arrangements to your Business Platinum Card this coverage provides for the non-refundable unused portion of your prepaid travel arrangements as well as transportation up to $1,500 per trip per insured person up to a maximum of $6,000 for all insured persons combined should your trip be interrupted or delayed for a covered reason.

Travel Emergency Assistance²⁰

AXA provides out-of-town emergency medical referrals and organizes medical visits at clinics, ERs or hospitals, according to the client’s condition. If necessary, AXA can also organize repatriation by commercial flight or evacuation by air ambulance. Legal referrals, and important travel-specific information (such as visa requirements or customs and inoculation regulations) as well as travel assistance services (pre-trip information, lost baggage assistance) are also available by telephone, 24 hours-a-day, 7 days-a-week. From anywhere in Canada/U.S. call 1-800-678-5523. Outside Canada/U.S. please call collect (514)-285-8165. Services are not insured: expenses are payable by the client.

$500,000 Travel Accident Insurance²¹

Up to $500,000 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 Platinum Card. Supplementary Card members, their spouses and dependent children under age 23 are also covered.

Car Rental Theft and Damage Insurance^23†

Save money when travelling with the Car Rental Theft and Damage Insurance included on your Business Platinum Card. 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 your Business Platinum 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 Insurance^24†

When you fully charge your airline tickets to your Business Platinum 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 $1,000 per trip for all insured person(s) combined.

Baggage Delay Insurance^25†

Book a flight with your Business Platinum Card, and receive up to $1,000 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.

Flight Delay Insurance^25†

Charge your airline ticket to your Business Platinum Card, and receive up to $1,000 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.

Hotel Burglary Insurance^26†

Automatic coverage of up to $1,000 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 Business Platinum Card.

Purchase Protection^® Plan^27†

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 Platinum Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.

Buyer's Assurance^® Protection Plan^27†

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 Platinum 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.

Airport Lounge Programs:

Plaza Premium Lounges²⁸

With your Business Platinum Card, you and one travel companion can enjoy complimentary access to the Plaza Premium lounges. To access the lounge, simply present your Business Platinum Card, a confirmed boarding pass for same-day travel and government-issued photo I.D.

Priority PassTM²⁹

Comfort and convenience served just about anywhere you travel. Experience access to airport lounges around the globe, regardless of your choice of airline or cabin class. Before your flight, catch up on business or slow down and relax with complimentary light refreshments and drinks.

The Centurion^® Lounge³⁰

As part of the American Express Global Lounge Collection, we invite you to enjoy The Centurion^® Lounge³⁰, a travel lounge exclusively for eligible American Express^® Cardmembers. With your Business Platinum Card, you and two guests can enjoy complimentary access to The Centurion Lounge. To access the lounge, simply present your Business Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D.

Delta Sky Club^®31

The American Express Global Lounge Collection gives you complimentary access to Delta Sky Club^®31 when travelling on a Delta flight. To access the lounge, simply present your Business Platinum Card, a same-day Delta flight boarding pass and a government-issued I.D.

Hotel Programs:

Fine Hotels + Resorts³²

With a collection of over 900 hand-selected, iconic properties in top destinations across the global, Business Platinum members can enjoy benefits such as daily breakfast for two, noon check-in (when available), guaranteed 4:00pm late check-out, a room upgrade upon arrival (when available)³², in-room wi-fi (exclusions apply)³², and an additional benefit such as a complimentary food & beverage or spa credit¹

1. Benefits vary by property; call Platinum Travel Services for details
2. Certain room categories are not eligible for upgrade; call Platinum Travel Services for details
3. In-Room Wi-Fi is not available in all locations. See terms for details

The Hotel Collection³³ from American Express^®

Business Platinum Cardmembers will receive access to the following benefits at over 600 participating hotels and resorts in over 30 countries worldwide, when booking a minimum of two consecutive nights at participating properties with American Express Travel using their American Express^® Card:

• Up to a $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room³³.
• A one-category room upgrade at check-in, when available³³.

1. Varies by property and facilities available.
2. A one-category room upgrade is based on availability and eligibility at time of check-in.

Premium Hotel Program Membership

Is your access to 29 hotel brands with more than 6,700 hotels and resorts in 130 countries.

Participating Hotels:
The Luxury Collection^TM, Le Méridien^TM, St. Regis^TM, Sheraton^TM, Westin^TM, W^TM,Four Points^TM, Aloft^TM, Tribute Portfolio^TM, Design Hotels^TM, Element^TM, Gaylord Hotels^TM, AC Hotels by Marriott^TM, Courtyard^TM, Residence Inn^TM, SpringHill Suites^TM, Fairfield Inn & Suites^TM, TownePlace Suites^TM, Protea Hotels^TM, Moxy^TM Hotels, The Ritz-Carlton^TM, EDITION^TM, JW Marriott^TM, Autograph Collection^TM Hotels, Renaissance^TM Hotels, Marriott Hotels^TM, Delta Hotels by Marriott^TM, Marriott Executive Apar^TMents^TM and Marriott Vacation Club^TM Marriott Bonvoy^TM Gold Elite status benefits:

• A complimentary upgrade to an enhanced room at check-in, if available^*
• Earn 10 points per eligible US dollar spent and a 25% bonus over base-level members
• Late checkout up to 2pm, subject to availability^**
• Receive a welcome gift of points and complimentary in-room Internet access

Enrolment is required.

Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third party channel. Not offered at Aloft^TM or Element^TM hotels.

^**Late checkout is based on availability and offered at all participating Marriott Bonvoy^TM properties, except Marriott Vacation Club^TM.

Special benefits at Toronto Pearson International Airport

If you’re departing from Toronto Pearson International Airport, enjoy the benefits of Business Platinum before you even leave town with complimentary Valet Car Service at Terminal 1. Simply present your Business Platinum Card when you pick-up your car, and Toronto Pearson will waive the Valet fee.³⁵

In addition to complimentary Valet Service, when you use your Business Platinum Card to pay for parking at the Express Park in Terminal 1 and Daily Park in Terminals 1 & 3, you will receive 15% discount on parking rates as a statement credit after the charge has been posted to your account.³⁶ For parking details visit torontopearson.com.

Once you’re inside the terminal, Get where you need to go with QR code access to the Priority Security Lane³⁷ at Toronto Pearson Airport. Visit go.amex/yyz to receive a single-use QR code for you and each of your accompanying guests.

International Airline Program³⁸

Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.

• Discounts available on the base fare for qualifying International First, Business, and Premium Economy Class tickets at participating airlines when you book with Platinum Travel or online at American Express Travel and pay in full with your American Express Card.
• Discounts available to Cardmember and up to seven additional passengers when travelling together on the same itinerary. Please note, when booking online at americanexpress.ca/travel, the discounts are limited to five additional passengers.
• Let our expert travel counselors take care of the details.
  
  To receive these benefits, please book through your Platinum Travel Service or online at americanexpress.ca/travel.

Premium Airport Transfer Service

Enjoy complimentary airport transfers^* when you book an eligible round-trip first class or business class flight, plus a minimum 1-night stay on the same itinerary.⁴⁵ Bookings must be made through Platinum Card Travel Service with your Business Platinum Card.

The Premium Airport Transfer Service is available in major Canadian cities including Toronto, Vancouver, Calgary and Montreal, as well as many international destinations.

For the full list of locations, or to book an eligible flight, hotel, and airport transfer, call Platinum Card Travel Service at 1-888-721-1044.

^*Service is limited to six (6) one-way transfers per calendar year. Receive up to four (4) one-way transfers per qualified round-trip flight and hotel booking within 50 kilometers to or from the airport.

Car Services:

Hertz

Enjoy benefits such as vehicle upgrades and special discounts with Hertz Gold Plus Rewards Five Star Tier Membership.³⁹The Hertz Gold Plus Rewards Five Star Tier membership benefits include:

• A one-class car upgrade (subject to availability)
• Discounts on standard rates
• Up to 4 hours grace period when returning the vehicle (0-4 hours, varies by rental location)
  Enrollment is required.

Avis

Offers discounts on rentals in North America and internationally. When you’re ready to hit the road, get there faster with Avis Preferred⁴⁰ – enjoy quicker reservations and skip the counter and go straight to your vehicle.

Platinum Card Travel Service

It’s a good feeling to know there’s a knowledgeable professional waiting to assist you with your travel requirements. Wherever and whenever in the world you need assistance with your travel needs, Platinum Card Travel Service is available to assist you 24 hours a day 7 days a week.

Experiences created around you

American Express Invites^TM opens doors to access a number of special Platinum events and unique opportunities that have been curated exclusively for Platinum Cardmembers. These range from concerts, theatre, culinary and other special events.

Front Of The Line^®

Cardmembers can purchase tickets to many sought-after events before they go on sale to the general public. During the specified sale period, tickets are available exclusively to American Expresss^® Cardmembers.⁴¹

Concierge⁴²

It’s a great comfort knowing you can rely on the professional contacts and savvy of our Concierge⁴² to help you with personalized services tailored to your preferences, including:

• Restaurant reservations
• Entertaining clients
• Special meeting facilities outside the office
• Show tickets
• Sending gifts to clients or employees

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 Platinum 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 PIN⁴³.

Amex Offers⁴⁴

You can access over $1,000^* in value every year with Amex Offers. Make your business purchases do more for your business with 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.