Elevate your business with Employee Cards
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
- Set spending amounts on employee spending
- Give team members more autonomy and responsibility
- Free up more of your time to focus on specific business needs
It all adds up to more points you can redeem towards statement credits2, office supplies, client or employee gift cards3 and more.
Add a Card at any time
Log in or open the app to add Employee Cards whenever you need them.
Set spending amounts with the Employee Card Spending Program4
Each Employee Card on your account can be assigned an individual spending amount.5 You can change the set amount at any given time based on your business needs.6
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.7 See how it works
Your Business Gold Rewards 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: $50.
* This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 20.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
1. 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.
2. Full Terms of the Supplementary Card Spending Program can be found here.
3. You may select a spending amount up to which a supplementary Cardmember will be able to make charges to their supplementary card during each billing period. This spending amount is not affected by payments or credits made by or on behalf of the supplementary Cardmember during a billing period. The spending amount will automatically reset at the beginning of each new billing period. It is your responsibility to ensure each supplementary Cardmember is made aware of any spending amount that applies to their account as well as the date on which the spending amount resets each month. You can select a different spending amount for each supplementary Cardmember.
4. You may change the set spending amount you have previously selected at any time. If the spending amount is increased, the supplementary Cardmember’s ability to charge will be increased once we are able to process the change. Unlike the initial enrollment of a supplementary Cardmember, charges made by that supplementary Cardmember before that date will be included in the spending amount for the current billing period. For example, if a supplementary Cardmember has a $1000 spending amount in place and has already made $750 in charges so far this billing period, if you increase the spending amount to $2000 per month, that $750 balance will be included as part of the $2000 spending amount. This means that the supplementary Cardmember will only be able to charge $1250 for the remainder of the current billing period and then $2000 for each billing period thereafter.
5. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all 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. 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. To qualify for the Quarterly Purchase Bonus, you must have at least $20,000 in net purchases posted to your Card account by the last day of each calendar quarter. Purchases made during a billing period, but posted after the end of the calendar quarter, may not count towards eligible spend for the quarter. If this occurs, that purchase will count towards eligible spend for the next calendar quarter period. For example, if your billing periods are in the calendar quarter from April 1 to June 30, a purchase made on June 29 (transaction date) and then posts on July 1 (posting date), may not count for eligible spend for the April-June calendar quarter. In this case, that purchase will count towards spend in the July-Sept calendar quarter period. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
6. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. 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.
7. 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
†: Underwritten by Royal & Sun Alliance Insurance Company of Canada.
®, TM: Used by Amex Bank of Canada under license from American Express