American Express® Business Gold Rewards Card

Go beyond business as usual

Apply Now

40,000 POINTS

Earn 40,000 Membership Rewards® points¹^*

after you charge $7,500 to your Card within your first 3 months of Cardmembership as a new Business Gold Rewards^® Cardmember.¹^*

That’s $400 in statement credits that can be reinvested in your business.⁶

^*Current or former Cardmembers with this Card are not eligible. Other terms apply.

Financial Information

Purchasing Power

No Pre-set Spending Limit

Payment Flexibility

Choose to pay the minimum amount, the full amount – or anything in between.²

Up to 55 interest-free days³

Have more cash on hand when you need it the most.

Annual Fees

$199
Option to add Employee Business Gold Rewards Cards for $50 annually³¹

Do more, experience more and earn more for your business

Get the freedom and flexibility to choose how you support your goals – with rewards and benefits that can help back them up.

How You Earn

10,000
POINTS
Each Quarter
when you charge $20,000 in net purchases to your Card⁵
1X
POINTS
On everything
for every $1 in Card purchases⁵

Featured Benefits

Quarterly Purchase Bonus
Earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card. That could add up to $400 in value every year.⁵
Enjoy financial flexibility that offers you more control
Your Card comes equipped with business sized purchasing power that adapts based on your spending habits and needs. This is coupled with flexible payment options so you can make payments on your own terms.²
Dynamic purchasing power
Enjoy purchasing power that adjusts to your Card usage, with the ability to grow over time if you pay on time and maintain a good credit history.⁴
Maximize your cash flow
Benefit from up to 55 interest-free days² so you keep more cash on hand when you need it most.
Earn 1X the points on everything
From office supplies and software to professional services and utilities, earn 1 point for every $1 in Card purchases.⁵

All Benefits

Earning Points

Earn 1 Membership Rewards point for every dollar in purchases charged to the Card.

Plus, earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card. That could add up to $400 in value every year.⁵

Track Your Progress - Log into your American Express® App to see how your quarterly purchases are stacking up. Download the Amex App for your phone or use http://amex.ca/Mobile to view more information. Available on iOS and Android only.

As an eligible Basic Cardmember, refer a friend or family member who is a business owner and you⁷ could earn a maximum annual referral bonus of 75,000 Membership Rewards points⁸.
Redeeming Points

Get choice and flexibility with a wide range of travel, dining, entertainment and retail rewards options.
Use points to book flights within Canada or to anywhere in the world with a fixed number of points.⁹
Redeem points for statement credits to offset any eligible purchase charged to your Card.⁶
Use points to pay for your Amazon.ca purchases at checkout.¹⁰
Use points for a wide range of gift cards and merchandise.¹¹
Transfer points to frequent flyer and hotel programs¹², including one-to-one to Aeroplan^®*¹³ and Avios¹⁴.
Use points for flights, hotels and car rentals with American Express Travel.³²
Redeem points for flight purchases on AirCanada.com.³⁰
Dynamic Purchasing Power

With No Pre-Set Spending Limit, your Card’s purchasing power adapts to help carry business expenses and free up more cash where and when you need it.⁴
Up to 55 interest-free days³

Maximize your cash flow with up to 55 interest-free days.³ Use the Card for all of your everyday business expenses and earn rewards while you're at it.
Flexible Payment Option

Have more control over your cash flow with Flexible Payment Option, a Card feature that allows you to pay a portion of your balance over time, if and when you need it.²

Don’t forget, your Employee Cards also earn points, so the more Cards you have, the more points you will earn.
Expense Management Reports

Gain access to paperless Expense Management Reports delivered quarterly and annually. These reports offer:
The ability to sort by vendor or spend category
The ability to separate personal expenses from business
The flexibility to track and manage expenses more easily
Business Servicing

Get access to your billing information. With online services, you can:
View your current statement
Sign up for Account Alerts
Update your contact details
Make a payment
Plus, if you want to get a hold of us, there is always someone local to speak with you, 24/7, about whatever you need.
Car Rental Theft and Damage Insurance^16†

Save money when travelling with complimentary Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to the American Express Business Gold Rewards Card. There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company.
Lost or Stolen Baggage Insurance^17†

When you fully charge your airline tickets to your American Express Business Gold Rewards Card, you are covered for loss or damage to your checked-in or carry on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined.
Hotel Burglary Insurance^18†

Automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel room is burglarized. Coverage is in effect as long as you have fully booked and paid for your accommodations with your American Express Business Gold Rewards Card.
Flight Delay Insurance^19†

Charge your airline ticket to your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 48 hours when you are delayed or denied boarding for four hours or more and no alternate transportation is made available.
Baggage Delay Insurance^19†

Book a flight with your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.
Travel Emergency Assistance²⁰

Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week.
$100,000 Travel Accident Insurance^21†

Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your Business Gold Rewards Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Purchase Protection^® Plan^22†

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Gold Rewards Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.
Mobile Device Insurance^23†

When you fully charge or finance the purchase price of an eligible mobile device to your Business Gold Rewards Card, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world. Coverage begins on the date the first transaction related to the purchase of your mobile device is charged to your Card, or on the 91st day following the date of purchase of your mobile device (in order to avoid overlap with the 90-day coverage available to you under your Purchase Protection® Plan Certificate of Insurance), and continues for a maximum of 2 years from the date of purchase.
Buyer's Assurance^® Protection Plan^23†

This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Business Gold Rewards Card. This applies to products purchased with the Card anywhere in the world, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. Jewelry, motorized vehicles, and their parts are excluded in this coverage. You will need approval before any repairs will be covered. Replacement and repair costs are limited to $10,000 per eligible item up to a maximum of $25,000 per Cardmember per policy year for all occurrences combined.
The Hotel Collection²⁴

When going away means staying closer to home.

For a stylish escape and signature rewards in locations near and far, book The Hotel Collection with American Express Travel. Stay at hotels that have their own persona.

Stay two or more consecutive nights at participating properties and receive the following benefits:
Up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
A one-category room upgrade at check-in, when available
12pm check-in, when available
Late check-out, when available
Hertz Car Rental Benefit²⁵

Enroll into the Hertz Gold Plus Rewards® loyalty program and take advantage of your special Hertz privileges on select vehicles at participating Hertz locations, including:
Discount off the standard rates²⁵
One car class upgrade (subject to availability) on rentals of 5 or more consecutive days²⁵
Fee-waived for one additional driver²⁵
Front Of The Line^® Amex Presale and Reserved Tickets^TM

Get access to Front Of The Line^® Amex Presale Tickets^TM²⁶ and Amex Reserved Tickets^TM²⁶ to some of the most in-demand concerts, theatre productions, and special events often before the general public.
Front Of The Line^® Emails

Learn more at amex.ca/frontoftheline, and subscribe to receive Front Of The Line Amex Presale and Reserved Ticket emails to get the hottest event listings sent directly to your inbox.
Special Access³⁴ for all Cardmembers

Cardmembers can breeze through the line with the American Express entrance at Budweiser Stage, sit back and relax in American Express Lounge at Budweiser Stage, and enjoy express service at Priority Bars at the Princess of Wales Theatre, Royal Alexandra Theatre, and CAA Ed Mirvish Theatre.³⁴
24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.
Emergency Card Replacement

Problem? Wherever you are, call us and we’ll help sort it.
Fraud Protection Guarantee

Use the Business Gold Rewards 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 PIN²⁷.
Amex Offers²⁸

You can access over $1,000* in value every year with Amex Offers. Make business purchases more rewarding with special offers for dining, travel, business supplies and services, and more through the Amex App or Online Services. New offers are always being added, so be sure to check regularly.
*Based on Amex Offers value available to eligible Cardmembers in the previous calendar year. Amex Offers are subject to terms and conditions such as enrollment, spend requirements, offer periods and are available in certain channels and at select merchants.

Pay for almost anything with points

From everyday expenses to subscriptions and more, you can redeem your Membership Rewards^® points towards eligible Card purchases in so many ways.

Unsure about which Card is appropriate for you? Use our Help Me Choose tool to find a Card for your wallet

Help Me Choose

Eligibility

To save time, make sure you can say yes to all of the following before applying for the American Express^® Business Gold Rewards Card:

You are a Canadian resident and have a Canadian credit file
You are the age of majority in the province or territory where you live

Important Information

†All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.

Apply now for the American Express® Business Gold Rewards Card.

Apply Now

Need help applying?

Don't hesitate to contact us.

Call us at

1-877-891-0821

Speak to a Specialist

Need help applying?

Don't hesitate to contact us.

Call us at

1-877-891-0821

Speak to a Specialist

Need help applying?

Don't hesitate to contact us.

Call us at

1-877-891-0821

Speak to a Specialist

See how the American Express^® Business Gold Rewards Card stacks up

American Express® Business Gold Rewards Card

Go beyond business as usual

Earn 40,000 Membership Rewards® points1*

after you charge $7,500 to your Card within your first 3 months of Cardmembership as a new Business Gold Rewards® Cardmember.1*That’s $400 in statement credits that can be reinvested in your business.6*Current or former Cardmembers with this Card are not eligible. Other terms apply.

Do more, experience more and earn more for your business

10,000

POINTS

Each Quarter

when you charge $20,000 in net purchases to your Card5

1X

POINTS

On everything

for every $1 in Card purchases5

Quarterly Purchase Bonus

Earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card. That could add up to $400 in value every year.5

Enjoy financial flexibility that offers you more control

Your Card comes equipped with business sized purchasing power that adapts based on your spending habits and needs. This is coupled with flexible payment options so you can make payments on your own terms.2

Dynamic purchasing power

Enjoy purchasing power that adjusts to your Card usage, with the ability to grow over time if you pay on time and maintain a good credit history.4

Maximize your cash flow

Benefit from up to 55 interest-free days2 so you keep more cash on hand when you need it most.

Earn 1X the points on everything

From office supplies and software to professional services and utilities, earn 1 point for every $1 in Card purchases.5

Rewards that work as hard as you do

Earn points that you can redeem in a variety of ways – from statement credits for offsetting eligible expenses, to gift cards, experiences and more.

Cash flow management

Maximize your cash on hand and make your business purchases work harder for you by taking advantage of multiple ways to pay.

Discover a full suite of business solutions

From easy-to-use account management tools to superior customer service, we’ve got what you need to help get the job done.

Business coverage

Your Card can help keep your business protected, so you can focus on what matters most.

Travel coverage

Road trip or flight, you could be protected when you book travel with your Card.

Purchase coverage

Get to know how your Card can help protect your business purchases.

Book business travel with more benefit

From hotel credit and complimentary amenities to car rental privileges, make every work trip one to look forward to.

Say hello to Amex ExperiencesTM

Open the door to memorable experiences we think you’ll love.

World-class service

Customer service that always has your back – anytime, anywhere.

Special Business Offers with American Express

Explore offers for dining, travel, business supplies and services, and more – from brands you love.

Pay for almost anything with points

Unsure about which Card is appropriate for you? Use our Help Me Choose tool to find a Card for your wallet

Earn 40,000 Membership Rewards® points¹^*

after you charge $7,500 to your Card within your first 3 months of Cardmembership as a new Business Gold Rewards^® Cardmember.¹^*

That’s $400 in statement credits that can be reinvested in your business.⁶

^*Current or former Cardmembers with this Card are not eligible. Other terms apply.

when you charge $20,000 in net purchases to your Card⁵

for every $1 in Card purchases⁵

Earn 10,000 bonus Membership Rewards points for each calendar quarter in which you spend $20,000 in purchases on your Card. That could add up to $400 in value every year.⁵

Your Card comes equipped with business sized purchasing power that adapts based on your spending habits and needs. This is coupled with flexible payment options so you can make payments on your own terms.²

Enjoy purchasing power that adjusts to your Card usage, with the ability to grow over time if you pay on time and maintain a good credit history.⁴

Benefit from up to 55 interest-free days² so you keep more cash on hand when you need it most.

From office supplies and software to professional services and utilities, earn 1 point for every $1 in Card purchases.⁵

Say hello to Amex Experiences^TM