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 supplies3, client or employee gift cards4 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 Program5
Each Employee Card on your account can be assigned an individual spending amount.6 You can change the set amount at any given time based on your business needs.7
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.8 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.
* As a Charge Card, interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. An Employee Card is a Supplementary Card. $50 annual fee for a Supplementary American Express® Business Gold Rewards Card. Supplementary Card applicant must be the age of majority. Maximum of 99 Supplementary Cards per account.
1. 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.
2. 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.
3. 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.
4. 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.
5. Full Terms of the Supplementary Card Spending Program can be found here.
6. 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.
7. 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 $1,000 spending amount in place and has already made $750 in charges so far this billing period, if you increase the spending amount to $2,000 per month, that $750 balance will be included as part of the $2,000 spending amount. This means that the Supplementary Cardmember will only be able to charge $1,250 for the remainder of the current billing period and then $2,000 for each billing period thereafter.
8. 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 Employee Cards if only the Basic Card is frozen (each Employee 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.
9. This product is administered by Belair Insurance Company Inc.
†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
®, TM: Used by Amex Bank of Canada under license from American Express