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American Express Business Gold Rewards Card

American Express® Business
Gold Rewards Card

Earn 30,000 Welcome Bonus Points1

when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

That's enough to redeem for two short-haul flights.2

Charge Card

Plus, pay no annual fee for the first year - a $250 value*3

Get a response in 60 seconds

The Business Platinum Card from American Express

The Business Platinum Card®
from American Express®

Earn 40,000Welcome Bonus Points4

when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

That's enough to redeem for a short-haul flight, plus a long-haul flight almost anywhere in North America.5

Charge Card

$399 annual fee*, which may be tax deductible6

Get a response in 60 seconds

Talk To Our Business Specialist

Enter your info below and our Small Business Specialist will contact you within 48 hrs

*Mandatory

First Name is mandatory First Name is invalid
Last Name is mandatory Last Name is invalid
Business Name is mandatory Business Name is invalid
Business Phone is mandatory Business Phone is invalid
Email Address is mandatory Email Address is invalid

Great for

American Express offers a range of business cards suited for your unique business needs.

Earning extra points on business purchases with the Your 3 Suppliers Program for Business.7

Earning 1.25 points on every $1 in purchases charged to your Card8

Redeeming points for statement credits to offset business expenses with PointFlex for Business11

Airport lounges access21

No annual fee for the first year - a $250 value*3

Access to a dedicated concierge team22

Earning Rewards

Type of Rewards

Membership Rewards® points

Membership Rewards® points

Earn Rate

Earn 1 point for every $1 in purchases charged to your Card.7 Plus, you can earn 1 extra point for every $1 in eligible purchases charged to your Card at three suppliers you pick from a list of select American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year.7

Earn 1.25 points for virtually every $1 in purchases charged to your Card.8 There's no limit to the points you can earn and they never expire.

Transfer Rewards to Other Programs

YES

Transfer your points to many frequent flyer and other loyalty programs.9

YES

Transfer your points to many frequent flyer and other loyalty programs.9

Redeeming Rewards

Travel

YES

Redeem points through TripFlex rewards to offset eligible travel purchases charged to your Card10. 10,000 points = $100 TripFlex rewards statement credit.

YES

Redeem points through TripFlex Rewards to offset eligible travel purchases charged to the Card10. 10,000 points = $100 TripFlex rewards statement credit.

Business Expenses

YES

Offset business expenses with PointFlex for Business.11 Redeem points for statement credits to offset eligible purchases charged to your Card at certain American Express merchants in Canada. 12,500 points = $100 PointFlex for Business statement credit.

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Merchandise

YES

Use points for a wide range of gift cards and merchandise12, including products from top brands such as Apple13 and Bose®**.

YES

Business Platinum Cardmembers are automatically enrolled in the Membership Rewards First Tier, which contains an array of premium merchandise selected specifically for Business Platinum Cardmembers.

Travel Benefits

Car Rental

Car Rental Theft and Damage Insurance14†

YES

Save money when travelling with the Car Rental Theft and Damage Insurance included on your Business Gold Rewards 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 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.

YES

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.

Flight & Baggage

Baggage Delay Insurance15†

YES, up to $500

Book a flight with your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.

YES, up to $1000

Book a flight with your Business Platinum Card and receive up to $1,000 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.

Flight Delay Insurance15†

YES, up to $500

Charge your airline ticket to your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.

YES, up to $1000

Charge your airline ticket to your Business Platinum Card and receive up to $1,000 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.

Lost or Stolen Baggage Insurance15†

YES, up to $500

When you fully charge your airline tickets to your Business Gold Rewards Card you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.

YES, up to $1000

When you fully charge your airline tickets to your Business Platinum Card you can receive up to $1,000 coverage for loss or damage to your luggage or personal effects while in transit.

Hotel

Hotel / Motel Burglary Insurance15†

YES, up to $500

Charge your Hotel/Motel arrangements to your Business Gold Rewards Card and receive automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel/ motel is burglarized.

YES, up to $1000

Charge your Hotel/Motel arrangements to your Business Platinum Card and receive automatic coverage of up to $1,000 against the loss of most personal items (excluding cash) if your hotel/ motel is burglarized.

Membership in Hotel Programs

-----

YES

Enjoy exceptional amenities around the globe with access to more than 700 properties through the Fine Hotels & Resorts Program.23

Travel Assistance

Travel Emergency Assistance16

YES

Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week. Services are not insured: expenses are payable by the client.

YES

Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week. Services are not insured: expenses are payable by the client.

Travel Accident Insurance17†

YES, up to $100,000

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. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.

YES, up to $500,000

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 Cardmembers, their spouses and dependent children under age 23 are also covered.

Emergency Medical Insurance15† (Out of province/country)

-----

YES

Provides coverage for eligible emergency medical expenses incurred while traveling 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.

StandbyMD Travel Medical Concierge18

-----

YES

Reducing travelers' inconvenience of having to search for medical assistance by providing prompt access to 24/7 physician telephone consultations and arrangement of house call visits when travelling almost anywhere in the world and additional health care services in the U.S. and Markets of Operation, as defined in the Terms and Conditions of the Program.
For a complete list of StandbyMD's Markets of Operation, please visit http://standbymd.com/cardmember/locations.aspx

Trip Interruption Insurance19†

-----

YES

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.

Trip Cancellation Insurance20†

-----

YES

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.

Lounges

Access to airport lounges worldwide21.

-----

YES

Enjoy access to over 600 airport lounges around the world through a wide range of partner lounge programs.

Concierge Service

Included

-----

YES

Wherever and whenever you need assistance, you can count on Business Platinum Concierge Service22.

Business Coverage

Employee Card Misuse Protection24

YES

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.

YES

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.

Disability Plan for Small Business25†

YES

Your Company can benefit from coverage for the financial hardships caused by accidental permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.

YES

Your Company can benefit from coverage for the financial hardships caused by accidental permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.

Purchase Coverage

Purchase Protection® Plan26†

YES

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your Business Gold Rewards Card.

YES

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you charge the full purchase price to your Business Platinum Card.

Buyer's Assurance® Protection Plan27†

YES

Automatically doubles the manufacturer's original warranty up to one additional year when you charge the full purchase price to your Business Gold Rewards Card.

YES

Automatically doubles the manufacturer's original warranty up to one additional year when you charge the full purchase price to your Business Platinum Card.

Why American Express for Business Owners

The power of a Business Charge Card

Dynamic Purchasing Power

Use your Card for all your business purchases and enjoy purchasing power that adjusts dynamically with your Card usage and can grow over time if you pay on time and maintain a good credit history28.

Maximize Business Cash Flow

With up to 55 interest-free days29, your business can have more time to pay for key purchases.

Earn Points for your Business Expenses

Earn points that you can redeem for rewards on business purchases such as telecom, advertising and shipping.

Flexible Points Redemption

Use points to offset eligible purchases charged to your Card, transfer points to frequent flyer and other loyalty programs or redeem points for gift cards and merchandise.

World Class Service

There is always someone local to speak with you, 24/7, about whatever you need – big or small30.

Simplify Expense Management

Quarterly and annual reporting that makes record keeping, expense tracking and tax preparation easier.

*As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

Terms and Conditions
  1. To qualify for a Welcome Bonus of 30,000 points, you must have at least $5,000 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. This offer is not applicable to holder of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.
  2. 30,000 Membership Rewards points = 30,000 Aeroplan®* Miles
    As per Aeroplan's current reward chart, 15,000 Aeroplan Miles are currently enough for a round-trip short-haul flight reward in economy class within Canada or to the Continental U.S. with Aeroplan ClassicFlight®* Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.
  3. Basic Card: $250. Supplementary Card: $50 each. Waived for the 1st year; charged annually thereafter on or after the anniversary of the date Card was issued (regardless of Card activation).
  4. To qualify for a Welcome Bonus of 40,000 points 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. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.
  5. 40,000 Membership Rewards points = 40,000 Aeroplan®* Miles
    As per Aeroplan's current reward chart, 15,000 Aeroplan Miles are currently enough for a round-trip short-haul flight reward in economy class, and 25,000 Aeroplan Miles are currently enough for a round-trip long-haul flight reward in economy class, within Canada or to the Continental U.S. with Aeroplan ClassicFlight®* Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.
  6. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
  7. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit amexforbusiness.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.
  8. 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.
  9. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
  10. TripFlex rewards: you can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums. You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases. If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Other terms, conditions and restrictions apply.
  11. PointFlex for Business - You can redeem Membership Rewards points for a statement credit toward an Eligible Business Purchase, which is a purchase charged to your Card at select American Express merchants in Canada chosen by us that provide goods and services to businesses. You must redeem a minimum of 1,250 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Business Purchase. Eligible Business Purchases can only be viewed online. You must register for online services to view your Eligible Business Purchases. Other terms, conditions and restrictions apply.
  12. 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 1-800-668-2639.
  13. Apple is a trademark of Apple Inc., registered in the U.S. and other countries.
  14. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Business Gold Rewards Card or Business Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
  15. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
  16. All the services associated with Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service).
  17. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
  18. Not an insurance coverage. Concierge services arranged through StandbyMD and may be subject to contractual terms and conditions of StandbyMD. Fees may apply. Please consult your StandbyMD Terms and Conditions for full details. StandbyMD is a Service Mark of Healthcare Concierge Services, Inc. All rights reserved.
  19. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.
  20. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip cancellation, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.
  21. Lounge access is subject to requirements, terms, conditions and restrictions of lounge providers. Enrollment may be required with certain providers, and lounge usage fees may apply.
  22. Upon authorization by the Business Platinum Card member, Concierge uses its best efforts to source or arrange the purchase of requested goods or services from a supplier. There is no charge for using the services of Concierge, however the Cardmember will be responsible for paying the supplier for any purchases and/or shipping charges you authorize, as well as any other fees or related costs that may apply. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Cardmember requests in all instances.
  23. In order to receive the Fine Hotels & Resorts program amenities and rates, reservations must be made through Platinum Card Travel Service from Amex Canada Inc. Payment must be made using the Business Platinum Card. Limit of one special program amenity per room and per stay. Special amenity varies by location. Hotel partners and benefits subject to change without notice. Terms and conditions apply. Room upgrade at time of reservation available at some properties. Upgrade upon arrival is not applicable where upgrade at reservation has been granted.
  24. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.
  25. Underwritten by AIG Insurance Company of Canada.
  26. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
  27. When you charge the full price on eligible purchases to your Card, the coverage given under the manufacturer's original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
  28. No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.
  29. 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.
  30. Terms and exclusions apply.

All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read Certificates of Insurance carefully.

™,®: Used by Amex Bank of Canada under license from American Express.

®* Aeroplan is a registered trademark of Aimia Canada Inc.

®** Bose is a registred trademark of Bose Corporation.

: StandbyMD is a Service Mark of Healthcare Concierge Services Inc.