WHEN YOU'RE BORN
WITH DRIVE,
DISCOVER THE CARD
THAT FUELS IT.
THAT FUELS IT.
THAT FUELS IT.
Run your business your way, with the Card that rewards you with benefits, points, and special offers.
Earn 3X the points on eligible business essentials1
Up to a maximum of 75,000 points, and then earn 1X the points on all other purchases.1
Earn points
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 purchases.1
Earn 1X the points
on all other Card purchases.1
Earn 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
Use the calculator to see how your expenses could
add up to rewards you can reinvest in your business.*
Your average monthly spend is $0 so you’re only
$0 away from earning up to 12,000 bonus points!2
By spending $0 per month, you could
earn up to 12,000 bonus points!2
* The rewards calculator tool is only for general illustration purposes. Your actual points earned may differ.
Monthly Spend Tracking
Visit your Online Services to see how your monthly spend stacks up. When you spend at least $3,000 in net purchases in one month, you’ll receive 1,000 Membership Rewards points.2 It’s that simple.
Redeem Points
Use Points for Purchases
Redeem points for statement credits to offset eligible purchases charged to your Card3, whether it’s a business expense or a travel purchase for your next business trip.
Travel Rewards and Flexibility
Travel on your own terms by using points for flights and hotel stays within Canada or to anywhere in the world with a fixed number of points4. The American Express Business EdgeTM Card can make it easy for you to run your business seamlessly.
Rewards for Merchandise, Entertainment and More
With the Business EdgeTM Card, you have the flexiblity to redeem points for yourself, employees, or clients, on business related expenses such as dining, entertainment, and retail. You can also pay for Amazon purchases5, gift cards, and merchandise.6
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 dayof each billing period. Purchases made during a billing period but posted after the end of that billingperiod may not count towards eligible spend for that month. If this occurs, that purchase will counttowards eligible spend for the next billing period. For example, if your monthly billing period is fromOct 15 toNov 14, a purchase made on Nov 14 (transaction date) and posts on Nov 15 (posting date) may notcount for eligible spend for that month. In this case, that purchase will count towards spend in thenext month’s billing period. Account must be in good standing. Please allow up to eight weeks foryour 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. 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.
Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.
The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference: (i) cannot be used to cover taxes, fees or carrier surcharges; (ii) will not be credited to your Card account; and (iii) will not be applied to cover additional costs associated with changes or cancellations. The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.
Example 1: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).
If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.
Example 2: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).
You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid above, at any time.
The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit MembershipRewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
5. By participating in Amazon.ca’s Shop With Points program using American Express Membership Rewards (“MR points”), you agree to these Service Terms as well as Amazon.ca’s Terms of Use (including “Frequently Asked Questions”). Please review them carefully, together with Amazon.ca’s Privacy Notice, to understand Amazon.ca’s practices.
To use your MR points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account (“MR points Account”) must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud.
You agree that Amazon.com.ca, Inc. and its affiliates (collectively, “Amazon”) may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, “Amex”). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop With Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR points Account and, once enrolled, Amex may provide Amazon with information about your MR points Account, including your total MR points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop With Points program for any purpose other than as expressly set forth in this paragraph.
Certain items at Amazon.ca are not eligible for purchase using MR points, and these items may change at any time. MR points may not be used when making purchases with 1-Click. If you do not have enough MR points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR points Account, or an Amazon.ca Gift Certificate. Your MR points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR points in your MR points Account at the time your MR points are ultimately redeemed. If you don’t have enough MR points remaining in your MR points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca.
Returns are subject to Amazon’s returns policy. If Amazon accepts a return for an item you purchased using only MR points, those MR points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR points to your MR points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card.
American Express Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners.
6. 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 the number on the back of your Card.
Business is always moving. Track your points on the go.
Track your Membership Rewards points balance or redeem points on-the-go with the American Express® App.
We do the work, so you can run your business
Business Benefits
Enjoy business and expense management tools and resources, business and car rental Insurance benefits and services, and the flexibility to pay balances over time.
Payment Flexibility with Plan It®
Built right into your card, you can split large purchases into smaller mangeable monthly installments for a fixed fee1 and no additional interest with Plan It.
Take advantage of Plan It to help spread out business expenses to better match your cashflows – from new tech to marketing expenses.
Dedicated Customer Service
Get information about Card benefits or online account management from specially trained Small Business service specialists. Simply dial the number on the back of your Card and enter your Card number to reach a Business specialist.
Online Services lets you take care of business anytime, anywhere
Get fast, safe access to your account
information. It’s easy to set up so you can:
- View your current balance
- Register for text message and e-mail Account Alerts2
- Manage your Membership Rewards account
- Get online-only statements
- Update your contact details
- Make a payment
Access online expense
management reports and benefit from:
- The convenience of simpler tax preparation
- The ability to sort by vendor or spend category
- The ability to separate personal expenses from business expenses
- The flexibility to track and manage expenses more easily
- When you create an installment plan, you will be charged a monthly installment fee. The monthly installment fee percentage will be disclosed to you during plan creation. This is not a promotional or special rate offer. The fee charged is comparable to the interest you would have paid if you carried this balance on your account, without being in an installment plan. In order to create a new installment plan, your account must be in good standing and you must have a minimum $100 purchase or statement balance on your eligible card. Please see the Plan It (American Express Installment Program) section in your Cardmember Agreement or the Program Terms and Conditions for more details. Plan It is currently not available in Quebec, Nova Scotia, PEI or Nunavut.
- Account Alerts is a free service for American Express Cardmembers. However, your mobile phone service provider may apply fees for incoming text messages. Please contact your provider for further details.
TM, ®: Used by Amex Bank of Canada under license from American Express.
Manage your account on the go
Use the American Express® App to keep track of your everyday business transactions from virtually anywhere.
Wherever you take your business, there are a world of rewards that will follow
Enjoy More of What you Love with Amex
Say hello to Amex ExperiencesTM. Get access to Front Of The Line® Amex Presale TicketsTM1 and Amex Reserved TicketsTM1 to some of the most in-demand concerts, theatre productions, and special events often before the general public.
- Front Of The Line® Advance Access
- Front Of The Line® Reserved Tickets
- Front Of The Line® e-Updates
- Invites Special Offers & Experiences for all Cardmembers
- Invites Special Access2 for all Cardmembers
Get in on incredible offers3
You can find offers tailored to you for dining, shopping, travel, and more through the Amex App or Online Services. New offers are always being added, so be sure to check regularly.
- Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
- Subject to capacity. Admittance granted with an American Express Card. Beverages will be for purchase. Must be 19 years of age or older to have alcohol and must have a valid ID. Please drink responsibly.
- 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. Offers are subject to terms and conditions and full program terms.
Special programs and offers for your business at your fingertips
With the American Express® App, you’ll always be the first to know about exclusive offers or new ways to take advantage of your benefits.
Travel Coverage
You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Business EdgeTM Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.
For assistance, please call:
Toll-free from the US & Canada: 1-800-243-0198
Collect from anywhere in the world: (905) 475-4822
To submit a claim, please visit our Online Claims Portal.
Business Coverage
Your Business EdgeTM Card may be covered for eligible unauthorized charges if you terminate the employee and cancel their Supplementary 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.
For assistance, please call:
In Canada/U.S. 1-800-243-0198
International, call collect (905) 475-4822
Purchase Coverage
Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your Business EdgeTM Card.
For assistance, please call:
Toll-free from the US & Canada: 1-800-243-0198
Collect from anywhere in the world: (905) 475-4822
To submit a claim, please visit our Online Claims Portal.
You can be insured for eligible items charged to your Business EdgeTM Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).
For assistance, please call:
Toll-free from the US & Canada: 1-800-243-0198
Collect from anywhere in the world: (905) 475-4822
To submit a claim, please visit our Online Claims Portal.
Card Safety & Security
Lost, stolen or simply misplaced – it doesn’t matter what happened, we’ll arrange for a new Card as quickly as possible.
Use your Card online or offline, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.
†: 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.
View the Certificate of Insurance
To learn more about the insurance coverage included on your American Express Card, click the button below.
- Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
- 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 visit www.rsagroup.ca.
- Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
- Fraud Protection Guarantee - Use the American Express Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.
† 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
Secure, easy account access wherever business takes you
Use the American Express® App to manage your account, check your balance and track your transactions.
We’re here whenever you need us
24/7 Customer Service
1-888-721-1046
International
(905) 474-1229
(Please call collect)