Highlights
- Eligible purchases earn 1.25 Membership Rewards® points per CAD 1, with no published earning cap. Points do not expire under the programme terms.
- Basic Card annual fee CAD 799; Business Platinum Supplementary Cards CAD 250 each; Business Gold Supplementary Cards can have no annual fee.
- After enrolment you can stack Dell, Indeed, Canadian wireless and Instacart credits. Under current terms those four can total up to CAD 860.
- Current public benefits include the Global Lounge Collection (more than 1,550 airport lounges worldwide), a CAD 200 Amex Travel credit each year, and a NEXUS application/renewal credit of up to CAD 100 once every four years.
Issuer: American Express
Network: Amex
Card type: Business Charge Card
Annual fee: CAD 799 for the Basic Card; CAD 250 per Business Platinum Supplementary Card, CAD 0 for Business Gold Supplementary Cards (up to 99)
Foreign transaction fee: Not disclosed by the bank in the audited official sources
Rewards are Membership Rewards® points
Welcome offer
【August 28, 2026 update】 Up to 150,000 Membership Rewards® points
- Earn 90,000 points after $15,000 in purchases in the first three months
- Earn 40,000 points with one purchase between months 15 and 17
Past welcome offers
【August 18, 2025】 200,000 points:
- Earn 110,000 points after $15,000 in purchases in the first three months
- Earn 60,000 points after $90,000 in purchases in the first 12 months
- Earn 30,000 points with one purchase between months 15 and 17
Everyday earning
1.25x: Eligible purchases earn 1.25 Membership Rewards® points per CAD 1. The bank’s site does not publish an earning cap. Interest, annual and other fees, travellers cheques and foreign-currency charges are not purchases. Refunds and credits reduce points. Points go to the Basic Cardmember.
Benefits and insurance
- Amex Travel annual credit
Once in each Cardmembership year you can receive a CAD 200 credit for an eligible booking of at least CAD 200 made through Amex Travel online or Platinum Card Travel Service and charged to this Card. Unused credit does not carry forward. If a booking that used the credit is cancelled, the credit is not restored.
- Business-tool credits
After enrolment, qualifying purchases of up to CAD 100 at dell.com/en-ca every six months can return up to CAD 100, maximum CAD 200 per year. Qualifying purchases of up to CAD 75 each quarter at ca.indeed.com can return up to CAD 75, maximum CAD 300 per year. Both require enrolment first. Merchants, transactions and deadlines follow the terms then in force.
- Wireless and Instacart credits
After enrolment, charging at least CAD 10 a month with an eligible Canadian wireless provider can return CAD 10, maximum CAD 120 per year. Instacart requires enrolment and two qualifying orders of at least CAD 10 each calendar month through Instacart in Canada. You can receive up to two CAD 10 credits a month, up to CAD 240 over 12 months under current terms, listed through December 31, 2027.
- Global Lounge Collection and NEXUS
Amex currently lists Global Lounge Collection access to more than 1,550 airport lounges worldwide. Participating lounges, admission and guest rules follow each programme’s current terms. Under the current benefit, you can also receive a NEXUS application or renewal credit of up to CAD 100 once every four years.
- No pre-set spending limit and payment terms
This Card has no pre-set spending limit, but Amex says spending power adjusts dynamically and is not unlimited. If you pay each new balance in full, you can have up to 55 interest-free days. Flexible payment arrangements follow Amex eligibility and terms then in force.
Travel insurance
Official insurance certificate 🔗
- Out of Province/Country Emergency Medical Insurance
Canadian residents with provincial health insurance only, travelling outside their home province or territory. Travellers under 65 on the departure date are covered for the first 15 consecutive days of each trip, up to CAD 5,000,000 per insured person per trip for eligible sudden emergency medical expenses. This coverage does not require travel to be paid with the Card, but it is subject to pre-existing-condition stability, exclusions and assistance-service requirements.
- Trip Cancellation & Trip Interruption Insurance
Canadian residents travelling outside their home province or territory only. Cancellation coverage requires prepaid travel arrangements to be charged to this Card before cancellation penalties apply, or redeemed with Membership Rewards® points with taxes charged to the Card as required. For interruption/delay claims, it is enough that part of the prepaid arrangements was charged to the Card. Cancellation is up to CAD 1,500 per person and CAD 3,000 combined; interruption is up to CAD 1,500 per person and CAD 6,000 combined. Eligible out-of-pocket interruption/delay expenses are CAD 100 per person per day, CAD 1,000 combined.
- Flight and Baggage Delay & Hotel Burglary Insurance
Canadian residents only. The full airfare or accommodation must be charged to this Card, or redeemed with Membership Rewards® points with the required taxes charged to the Card. A missed connection, a flight delay of at least four hours, or denied boarding because of overbooking with no alternative within four hours of the original departure, may cover reasonable living expenses and sundries. If outbound checked baggage is delayed more than six hours after you arrive, you may be covered for essential clothing and sundries bought within four days of arrival. Those three coverages combined are CAD 1,000 per occurrence. When accommodation is paid in full with this Card, personal property stolen in a hotel burglary during the stay is covered up to CAD 1,000 per occurrence.
- Lost or Stolen Baggage Insurance
Canadian residents only. The full airfare must be charged to this Card, or redeemed with Membership Rewards® points with the required taxes charged to the Card. Checked or carry-on baggage lost or damaged during covered air transportation is covered up to CAD 1,000 combined per occurrence for all insured persons; jewellery up to CAD 300, golf clubs and bag up to CAD 250. Electronics, cameras, cash, business items and many other items are excluded. Where practicable, give written notice within 90 days of the incident.
- Travel Accident Insurance
The common-carrier fare (for example air, rail, ship or bus) must be charged to an American Express Card account before the accident. When the account is billed in Canada, the Basic/Supplementary Cardmember, spouse and dependent children under 23 may qualify. Eligible accidental death or specified dismemberment is covered up to CAD 500,000 per insured person; the loss must occur within 100 days of the accident.
- Car Rental Theft and Damage Insurance
Canadian residents only. Charge the entire rental to this Card, or redeem with Membership Rewards® points and charge the required taxes to the Card, and decline the rental company’s CDW/LDW. It applies to eligible cars, SUVs or minivans with an MSRP below CAD 85,000 excluding tax, for a consecutive rental of no more than 48 days. It can cover theft, loss, damage and eligible loss-of-use charges, with no deductible. It applies to personal and business use but does not include third-party liability. Report an accident within 48 hours and submit the required documents within 45 days.
Purchase insurance
- Buyer’s Assurance® Protection Plan
Canadian residents only. When you charge the full price of an eligible new item or gift to this Card, a complimentary original manufacturer’s warranty that is valid in Canada or the United States and lasts no more than five years can be extended by the length of the original warranty, up to one additional year. The limit is CAD 10,000 per item and CAD 25,000 combined per Cardmember per policy year for all occurrences. Business fixtures, inventory/resale goods, jewellery and many motor vehicles or consumable goods are excluded. Report a breakdown within 45 days and submit the required documents within 60 days.
- Purchase Protection® Plan
Canadian residents only. When at least part of an eligible new item is charged to this Card, you may have worldwide supplementary coverage for direct physical damage or theft within 90 days of purchase, up to CAD 1,000 per Cardmember per occurrence and not more than the amount charged to the Card. Gifts can also be covered. Business inventory and goods bought for resale, mysterious disappearance/loss, normal wear, cash and gift cards are among the exclusions. Report theft or damage within 48 hours, give written notice within 45 days where practicable, and submit documents within 90 days.
- Mobile Device Insurance
Business-use, defined new mobile phones, smartwatches or tablets only. The full purchase price must be charged to this Card, or financed through an eligible provider with every instalment billed to the Card. For a device bought in full on the Card, loss is covered from the purchase date; theft or accidental damage is covered from day 91. Coverage ends no later than two years after the purchase or first instalment posts to the Card. Loss, theft or accidental damage is covered up to CAD 1,500 per insured person per occurrence, after 2% depreciation per complete month and a 10% deductible. Across all eligible Amex Cards, you can claim at most once every 12 months and twice every 48 months. Personal use, resale, used/refurbished devices (with a limited warranty-replacement exception), accessories, mysterious disappearance and cosmetic damage that does not affect function are excluded. Contact the insurer immediately and no later than 14 days after the incident. For loss/theft, suspend wireless service within 48 hours; for theft, notify the police within seven days.
