Elevate your business with Employee Cards
Earn up to 12,000 bonus Membership Rewards® points
when you add Employee Cards before October 29, 2026.††
You can earn:
when you add an Employee American Express® Business EdgeTM Card to your account and they spend $800 in their first 3 months of Cardmembership.††
Offer is valid for up to three new Employee Cards added to your account.
Make the most of this offer by adding three Employee Business Edge Cards to
earn up to a total of 12,000 bonus points.††
Make managing employee spending easier, with benefits that help you both delegate and stay in control.
Use Employee Cards to:
- Streamline reconciliation
- Minimize paperwork
- Reduce the need for petty cash
- Avoid the need for employees to pay out-of-pocket for business expenses
- Give team members more autonomy and responsibility
- Free up more of your time to focus on specific business needs
Your Card earns
- 3X the points on all eligible business essentials including office supplies & electronics, eats & drinks and rides & gas – up to 75,000 Membership Rewards® points and then earn 1X the points on all other purchases1
- 1X the points on all other Card purchases1
- 1,000 bonus points for each monthly billing period in which you spend $3,000 in purchases on your Card.2 This could add up to 12,000 bonus points in a year!2
Employee Cards each earn
·
- 3X the points on all eligible business essentials including office supplies & electronics, eats & drinks and rides & gas – up to 75,000 Membership Rewards® points and then earn 1X the points on all other purchases1
- 1X the points on all other Card purchases1
- With Employee Card purchases counting towards your monthly spend bonus!2
It all adds up to more points you can redeem towards statement credits3, office supplies4, client or employee gift cards5 and more.
Add a Card at any time
Log in or open the app to add Employee Cards whenever you need them.
Freeze or Unfreeze Employee Cards
Just like your Card, you can temporarily freeze any Employee Cards should they be lost or misplaced. This will help prevent them from being used for select new purchases.6 See how it works.
Your Business Edge® Card may be covered for eligible unauthorized charges if you terminate the employee and cancel their Employee 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 Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
Add more ways to benefit your business with Employee Cards
Annual fee: $0*
*An Employee Card is a Supplementary Card. Account must be in good standing. $0 annual fee for a Supplementary Business Edge Card. Supplementary Card applicant must be the age of majority. Maximum of 99 Supplementary Cards per account.
††This offer is only available to Cardmembers who received this offer directly from American Express. Offer is non‑transferable, should not be forwarded, and cannot be combined with other Employee Card offers. If you receive points in error, we reserve the right to deduct them from your points balance. An Employee Card is a Supplementary Card. All references to you means the Basic Cardmember.
You must add a Supplementary Business Edge Card(s) to your account between September 3, and October 29, 2026 to qualify for the offer listed below:
When the new Supplementary Business Edge Cardmember has at least $800 in net purchases posted to their Supplementary Business Edge Card within the first 3 months after Card approval, you can earn 4,000 bonus Membership Rewards points.
If you qualify, bonus points will be awarded only on the first 3 new Supplementary Business Edge Cards added to your account during the offer period. The maximum bonus available is 12,000 Membership Rewards points, which can be earned by adding three eligible Supplementary Business Edge Cards that each meet the applicable spend requirement.
You must apply for the Supplementary Card product(s) outlined in the offer you received through email or other select channels from American Express. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of three Supplementary Cards. Purchases made on your Basic Card are not qualifying purchases.
Bonus points can be earned on eligible purchases less returns and other credits. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for the offer. All deductions for returns made on eligible purchases will be calculated at the earn rate in effect at the time of the return. This means that the points deducted from your points balance may be different from the amount originally earned.
Account must be in good standing during offer period and at time of offer fulfilment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, repeatedly applying for Cards to earn points and limiting Card activity following bonus receipt, applying for a Card under your own name, a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to increase your spend and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Cardmember at any point of time. Bonus points will be credited to your Membership Rewards account by March 15, 2027.
1. 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 all 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.
2. To qualify, you must have at least $3,000 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Oct 15 to Nov 14, a purchase made on Nov 14 (transaction date) and posts on Nov 15 (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
3. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. 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.
Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1-800-668-AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.
4. MERCHANDISE AVAILABILITY All merchandise rewards are subject to availability. If an order is not available, a similar item of equal value will be substituted whenever possible. If a substitution is not available, your Membership Rewards points will be credited back to your program account and you will be contacted. Merchandise rewards are subject to change without notice. New merchandise rewards will be added to the program on a regular basis. Some rewards are available in limited quantities. Limited items will be so noted in the product description.
MERCHANDISE DELIVERY Please allow 2–4 weeks for delivery. Cardmembers are required to provide a signature when rewards are delivered. Some items may have longer delivery times—this will be indicated. Orders are shipped via courier and require complete mailing address and telephone number for daytime delivery. (Orders cannot be shipped to a post office box.)
MERCHANDISE RETURNS Redeemed rewards are not refundable, exchangeable, replaceable or transferable
5. 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.
6. Available to American Express Consumer and Small Business Cards. Not applicable for all new purchases. The following purchases do not qualify and will still be processed even if the Cardmember has frozen the Card: automated or pre-authorized payments, recurring bills or subscriptions, transactions on any Supplementary Cards if only the Basic Card is frozen (each Supplementary Card must be frozen separately), mobile wallet transactions (including adding a Card to a mobile wallet), using the Card for online payments at merchants where the Card is stored on file or set up as the method of payment, and offline and delayed authorizations (such as purchases made aboard airlines). After freezing the Card, it will automatically unfreeze after 7 days.
7. This product is administered by Belair Insurance Company Inc.
TM, ®: Used by Amex Bank of Canada under license from American Express.