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
ONLY UNTIL MARCH 31ST
Add Employee Cards and earn up to
30,000 bonus Membership Rewards® points1
Here’s what you and your team members or business partner
have to do to take advantage of this limited-time offer:
Add an Employee Business
Gold Rewards Card through
the link below.
Your team member spends
$1,000 on their Employee Card*
in the first 3 months after
approval.
Then, you can earn 10,000
bonus points1 per Employee
Business Gold Rewards Card.
That’s up to $300 in value you can put back in your business when you
Use Points for Purchases!2
Offer is valid for up to three new Employee Cards added to your account.1
Available until March 31, 2025
It all adds up to more points you can redeem towards statement credits2, office supplies, 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 purchases8 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. Maximum of 99 Supplementary Cards per account.
1. To qualify for the offer, you must add a Supplementary Business Gold Rewards Card(s) to your account between February 4, 2025 and March 31, 2025. Each Supplementary Business Gold Rewards Cardmember must have at least $1000 in net purchases posted to their Supplementary Business Gold Rewards Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 30,000 bonus Membership Rewards points during the offer period. You must apply for the Supplementary Card product(s) outlined in the offer you received through email or other select channels from American Express, and use the link provided on this page. 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. Account must be in good standing during offer period and at time of offer fulfillment. 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, applying for multiple Cards to earn points, 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 meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any point of time. Bonus points will be credited to your Membership Rewards account by August 12, 2025, provided the spend requirement has been met.
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. 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.
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 $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.
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 Royal & Sun Alliance Insurance Company of Canada.
†: Underwritten by Royal & Sun Alliance Insurance Company of Canada.
®, TM: Used by Amex Bank of Canada under license from American Express