Grow your business with more
cash on hand.

With an American Express charge card, you get up to 55 interest-free days to pay your expenses1. That means you have more cash on hand to invest into growing your business. Whether you want to add another truck to your fleet, reach new local markets or expand globally, we can help.

How It Works

  • Locate the closing date and payment due date on your American Express Statement.
  • Identify purchases charged to your Card and the posting date of that purchase to your account
  • Work with your largest suppliers to change your inventory purchase date to just after your closing date. Get up to 55 interest-free days to pay your expenses1.

Why It Pays To Work With American Express

Unlock revenue from your accounts payable

Unlock revenue from your accounts payable by earning rewards on eligible business expenses2.

Strengthen your balance sheet

Strengthen your balance sheet and minimize the need to borrow by using American Express and leveraging unsecured credit.

Optimize working capital

Optimize working capital and reduce your funding gap (accounts payable/accounts receivables) with up to 55 interest-free days1.

Realize a supply chain transformation

Realize a supply chain transformation by leveraging best practices, technology and resources.

Terms and Conditions


  1. 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.
  2. The Membership Rewards® Program allows you to earn Membership Rewards points for eligible purchases charged on select American Express® Cards. You can redeem your points towards eligible purchases such as statement credits, gift cards and certificates or you can transfer points to select loyalty programs. Terms, conditions and restrictions apply. Visit for full Membership Rewards Terms and Conditions.


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