Credit Cards for Small Businesses

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

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†: 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. If you are a Quebec resident, please read the Insurance Summary and Fact Sheet.

1. To qualify for a Welcome Bonus of 110,000 points, you must have at least $15,000 in net purchases posted to your account in your first 3 months of Card membership.
   
   To qualify for the additional 40,000 points after 14 months of Cardmembership, one (1) purchase of any amount must be charged to your Card within 14 to 17 months of Cardmembership and subsequently posted to your account. For example, if you reach your 12 months of Cardmembership on November 1, 2025, you would have to make a purchase between January 1, 2026, and no later than April1, 2026,  to be eligible for the 40,000 bonus points.
   
   These offers are only available to new Business Platinum Card® Cardmember (‘Cardmembers’). For current or former American Express Small Business Cardmembers, we may approve your application, but you will not be eligible for these offers. If you receive points in error, we reserve the right to deduct them from your points balance. Offers subject to change. Account must be in good standing. 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. Points may be deducted if returns result in the required spend threshold not being achieved. Please allow up to 8-10 weeks after earning your points for your account to be updated. To qualify for these offers, an eligible application must be received by January 28, 2025. American Express reserves the right to accept applications after this date but you will not be eligible for these offers.  Applications received after January 28, 2025, will be eligible for the offers available at that time..
   
   
2. 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 cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.


3. 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 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate 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. If you are an existing Cardmember, please refer to your statement for more details on Annual Interest rates for Flexible payment option & Due in full balances.
   


4. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
   
   
5. Global Lounge Collection - Holders of the Business Platinum Card may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis, upon presentation of the required entry documentation. Participating Lounges may change from time to time. House rules, terms, and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
   
   
6. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers.
   
   
7. To qualify for a Welcome Bonus of 70,000 points, you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. This offer is only available to new American Express Business Gold Rewards Cardmembers. For current or former American Express Small Business Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. 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. Points may be deducted if returns are made that put you below the spend threshold. Please allow up to 8-10 weeks after earning your points for your account to be updated. Offer subject to change.
   


8. 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. 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 americanexpress.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers of 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.
   
   
9. This offer is only available to new Marriott Bonvoy^® Business American Express^®* Cardmembers (‘Cardmembers’). For current or former Marriott Bonvoy Business American Express Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. To qualify for the 60,000 Bonus points, you must have at least $5,000 in net purchases posted to your account on or before your three (3) month anniversary date. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for eligible purchases. Please allow up to 8 weeks after earning your points for your account to be updated. Offer subject to change at any time.
   
   
10. Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Marriott Bonvoy Gold Elite status in the Marriott Bonvoy program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.marriott.com/loyalty/terms. If you already have Gold Elite status or higher status in the Marriott Bonvoy program, you will retain that status as long as you meet the requirements specified in the Marriott Bonvoy terms and conditions.
    
    
11. Each year, 8-10 weeks after your annual anniversary date, you will earn an Annual Free Night Award redeemable within 1 year from issuing for an available single or double occupancy standard room at participating Marriott Bonvoy properties with a room rate of up to 35,000 points, inclusive of room rate and applicable taxes but exclusive of resort fee. Account must be in good standing. To view the full terms and conditions, visit www.marriott.com/loyalty/terms.


12. 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.
    
    
13. Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada and cards issued by a licensed third party issuer (as applicable) are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. Subject to offer terms and conditions, and full program terms.
    
    
14. 10,000 Quarterly Bonus points - To qualify, 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.
    
    
15. 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 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate 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. If you are an existing Cardmember, please refer to your statement for more details on Annual Interest rates for Flexible payment option & Due in full balances.
    
    
16. These offers are only available to new American Express^® Aeroplan^®* Business Reserve Cardmembers (‘Cardmembers’). For current or former American Express Aeroplan Business Reserve Cardmembers, we may approve your application, but you will not be eligible for these offers. If you receive points in error, we reserve the right to deduct them from your points balance. Offers subject to change at any time. Account must be in good standing. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points. 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. Points may be deducted if returns result in the required spend threshold not being achieved. Please allow up to 8 weeks after earning your Aeroplan points for your Aeroplan account to be updated.
    
    
65,000 Aeroplan Points
To qualify for the welcome bonus of 65,000 Aeroplan points, you must have at least $10,500 in net purchases posted to your account on or before your three (3) month anniversary date. Please allow up to eight weeks from the date the bonus points were earned for the bonus to be awarded. Offer subject to change.

Additional 25,000 Bonus Points
17. To qualify for the additional 25,000 Aeroplan points in month 13 of Cardmembership, eligible American Express Aeroplan Business Reserve Cardmembers must have at least $3,500 in net purchases charged to your Card in month 13 of Cardmembership and subsequently posted to your account. For example, if you reach your 12 months of Cardmembership on March 31, 2025, you must have at least $3,500 in net purchases made on or after April 1, 2025, and be posted to your account no later than April 30, 2025, to be eligible for the 25,000 Aeroplan bonus points. Please allow up to eight weeks after earning your Aeroplan points for your Aeroplan account to be updated. Aeroplan points will be earned by the Basic Cardmember on the amount of purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points.


17. Basic Cardmembers will receive one (1) Annual Worldwide Companion Pass after spending more than $25,000 on net purchases (less any returns, credits and adjustments) posted to the Basic Cardmember’s card account in the 12 months prior to their Card anniversary date. The pass will be deposited into the Aeroplan account 8-10 weeks after the Card anniversary date.
    
    On each Card anniversary date, the calculation of the annual net purchases resets to zero and Basic Cardmembers must qualify again in the new annual period. Purchases transacted or posted on the Card anniversary date will be included in the calculation of net purchases for the next annual period and not the previous annual period.
    
    The pass entitles a companion to accompany the Basic Cardmember upon the purchase of a fixed base fare (plus taxes, fees, charges and surcharges), when the Basic Cardmember books a published economy fare on a flight marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand.
    
    Valid against the purchase of one round-trip fixed base fare (plus taxes, fees, charges and surcharges) for a companion when travelling on the same itinerary and booked at the same time as the Basic Cardmember.
    
    Passes are valid for 12 months from the date issued. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”).
    
    Maximum of one companion pass may be used per booking. If one-way travel is booked, the full base fare will be charged, the pass will be deemed fully used and the return portion of travel will be forfeited.
    
    Total pricing varies based on itinerary booked. Basic Cardmembers may use the pass only once on their choice of travel: (i) within Canada and continental US (excluding Hawaii) for $99 CAD base fare (ii) to/from Hawaii, Mexico, Central America, and the Caribbean for $299 CAD base fare, (iii) to/from South America, Europe, Middle East, and Africa for $499 CAD base fare, and (iv) to/from Asia, Australia, and New Zealand for $599 CAD base fare.
    
    In addition to the purchase of a fixed base fare, the companion will be responsible to pay all applicable taxes, fees, charges and surcharges that apply above the companion’s base fare. All travel must originate or terminate in Canada or the United States. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale.
    
    The companion will be booked into the same fare brand as the Basic Cardmember and will receive all applicable benefits and services associated with that fare brand. The pass may not be used against the purchase of premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes.
    
    The pass must be redeemed at the time of purchase, and if multiple companion passes are available in association with the same Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date, but travel may occur after the pass expiry date subject to flight schedule availability at the time of booking.
    
    Pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both the Basic Cardmember and the companion, and failure to do so may result in the companion pass being forfeited. If during a change or cancellation the pass is reinstated in the Basic Cardmember’s Aeroplan account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travelers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable, and all taxes, fees, charges and surcharges that apply above the base fare. The Basic Cardmember’s account must be and remain active (not cancelled) and in good standing in order to receive and retain the reward.
    
    Companions who are members of Aeroplan or other partner frequent flyer programs are eligible to accumulate points for the ticket issued in exchange for the companion pass according to conditions of the fare brand purchased.
    
    Aeroplan Elite Status benefits and upgrades are applicable if the traveler holds appropriate status and the fare purchased allows.
    
    Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the card account is cancelled, regardless of reason for cancellation, or if the card account is changed to a different product.
    
    Air transportation services on Air Canada are subject to Air Canada’s General Conditions of Carriage & Tariffs (www.aircanada.com/conditionsofcarriage) at the time of booking.
    
    
18. A Basic Cardmember and eligible Supplementary Cardmember(s) are each entitled to complimentary access to any Air Canada Café and any Maple Leaf Lounge located in Canada and the United States, including Maple Leaf Lounges in international terminals in Canada and the United States when travelling on an international itinerary. Access excludes Maple Leaf Lounges outside of Canada and the United States, Air Canada Signature Suites, and lounges operated by third parties, such as Star Alliance member airlines. Exceptions may apply. Please review the list of eligible lounges.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     Basic and eligible Supplementary Cardmember(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge or Air Canada Café. Any guest entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by a Basic or eligible Supplementary Cardmember. Additional guest(s) may enter the Maple Leaf Lounge or Air Canada Café upon paying the applicable fee. For greater certainty, a Basic Cardmember or eligible Supplementary Cardmember who holds Aeroplan EliteTM^* Status, may additionally take advantage of the lounge access benefits available to them as part of the Aeroplan EliteTM^* Status program. For more information on Aeroplan EliteTM* Status, please visit www.aircanada.com/elitebenefits. Access to Maple Leaf Lounges or Air Canada Cafés is available in conjunction with a same-day ticket when departing on a flight marketed or operated by Air Canada, Air Canada Rouge^®*, under the Air Canada Express^®* brand, or any Star Alliance member airline.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Anyone under the age of majority entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge or Air Canada Café is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. See www.aircanada.com/lounges-termsandconditions for Terms and Conditions applicable to Maple Leaf Lounges and Air Canada Cafés.
    
    
19. A Basic Cardmember or Supplementary Cardmember, and up to eight (8) other passengers traveling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the Basic Cardmember or Supplementary Cardmember may be required to show their qualifying card to the Air Canada agent.
    
    
20. You can earn Aeroplan points (“points”) for eligible business purchases at American Express retail merchants as follows: Earn 3 points for every $1 of eligible purchases made directly with Air Canada. Earn 2 points for every $1 of eligible hotel or car rental purchases. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. Eligible hotel and car rental purchases are purchases at American Express merchants whose primary business is hotel and lodging or car rental as categorized on American Express Systems. Eligible purchases are bookings made directly with the car rental or hotel as the merchant and paid for with your Card. Purchases made through American Express Travel Services are also eligible. Purchases made through Air Canada, Air Canada Vacations, travel agencies (other than American Express Travel Services), tour operators, and online travel sites are not eligible. Earn rate of 1.25 points 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 returns and other credits. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan points.
    
    
21. ^*Value in CAD. Estimated total annual value of $820 based on Annual Travel Credit ($200) + annual Dell Credit (up to $200) + annual Indeed Credit (up to $300) + annual Wireless Credit (up to $120). This estimate does not include NEXUS card statement credit.
    
    
22. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visitwww.rsagroup.ca.
    


23. Business Platinum Cardmembers will receive up to a $100 CAD statement credit when NEXUS application or renewal fees are charged to their account. Business Platinum Cardmembers are eligible to receive up to $100 CAD in statement credits every four (4) years for application or renewal fees for the NEXUS program when charged to an eligible Card. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to the nearest dollar, up to a maximum of $100 CAD in cumulative statement credits, per account per four (4) year period, regardless of whether the NEXUS fees are charged on the Basic or Supplementary Card. American Express will not provide additional statement credits once the maximum of $100 CAD in cumulative statement credits have been issued for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. For existing Cardmembers as of September 26, 2023, the first four (4) year period runs from September 26, 2023 until September 25, 2027. For new Cardmembers after September 26, 2023, the first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. In either case, each subsequent four (4) year period follows the period that immediately preceded it. American Express has no control over the application and/or approval process for the NEXUS program and does not have access to any information provided to the government by the Cardmember or by the government to the Cardmember. American Express has no liability regarding the NEXUS program. The NEXUS program is run by CBSA and the U.S. Customs and Border Protection independently (without administration by American Express). For additional information on the NEXUS program, please visit www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html. The NEXUS program is subject to change, and American Express has no control over those changes.
    
    Please allow up to 8 weeks after the qualifying NEXUS transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible NEXUS purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 6-8 weeks, simply call the number on the back of your Card. Cardmembers are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.
    
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