Highlights

  • Eligible purchases earn 1 Membership Rewards® point per CAD 1. There is no published cap on base points, and points do not expire under the programme terms.
  • Charge CAD 20,000 in a calendar quarter and earn 10,000 extra points, up to 40,000 extra points a year.
  • Basic Card annual fee CAD 199; Supplementary Cards CAD 50 each. Current business credits include Dell, Instacart, Indeed and QuickBooks.
  • Book two consecutive nights at a participating hotel through The Hotel Collection and you can receive up to USD 100 in on-property credit, plus a room upgrade subject to availability.
American Express® Business Gold Rewards Card

Issuer: American Express
Network: Amex
Card type: Business Charge Card
Annual fee: CAD 199 for the Basic Card; CAD 50 per Supplementary Card (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】 70,000 Membership Rewards® points

  • Earn 50,000 points after $7,500 in purchases in the first three months
  • Earn 20,000 points after $30,000 in purchases in the first 12 months

Referral application link 🔗

Past welcome offers

【November 15, 2025 update】 40,000-point welcome offer

  • Earn 40,000 points after $7,500 in purchases in the first three months

【June 14, 2025 update】 100,000-point welcome offer

  • Earn 40,000 points after $7,500 in purchases in the first three months
  • Earn 40,000 points after $30,000 in purchases in the first 12 months
  • Earn 20,000 points with one purchase between months 15 and 17

【January 2023 update】 110,000-point welcome offer

  • Earn 75,000 points after $5,000 in purchases in the first three months
  • Earn 10,000 points for each quarter with $20,000 in purchases, 40,000 points in total

Everyday earning

1.5x: In each calendar quarter, CAD 20,000 in eligible purchases earns 10,000 extra Membership Rewards® points. Against that CAD 20,000, the extra points are equivalent to 0.5x, which with the 1x base rate is 1.5x in total. You can earn the bonus once per quarter, up to 40,000 extra points a year. Spend below the threshold earns only the base rate.

1x: Virtually every eligible purchase earns 1 Membership Rewards® point per CAD 1. There is no published cap on base points. Interest, annual and other fees and cash-equivalent transactions do not earn. Refunds and credits reduce points. Points go to the Basic Cardmember.

Benefits and insurance

  • Dell Offer

The Basic Cardmember must enrol in Amex Offers first. Through December 31, 2026, qualifying online purchases at dell.com/en-ca can return up to CAD 50 in statement credits every six months, maximum CAD 100 per year. Purchases must be in Canadian dollars and shipped to Canada. Supplementary Card transactions, gift cards, repairs and refurbished products do not qualify.

  • Instacart Offer

The Basic Cardmember must enrol in Amex Offers. Through December 31, 2027, a single Canadian Instacart website or app order of at least CAD 10 in a calendar month can return a CAD 10 statement credit. The maximum is CAD 10 per month and CAD 120 per year. The order must be paid in Canadian dollars and shipped to Canada. Gift cards, prescriptions, alcohol and cross-border orders do not qualify.

  • Indeed Offer / QuickBooks Offer

The Indeed credit requires enrolment: from January 6 through December 31, 2026, qualifying direct online purchases at ca.indeed.com can return up to CAD 50 every three months, CAD 200 for the whole offer period. The QuickBooks credit also requires enrolment: charge at least CAD 50 in eligible purchases at the designated Canadian QuickBooks link by February 28, 2027, for a one-time CAD 50 credit. Both are subject to merchant, posting and excluded-transaction rules.

  • The Hotel Collection

Book at least two consecutive nights at a participating hotel as a new reservation through an eligible Amex Travel channel, pay in full with this Card, and have the Basic Cardmember stay, and you can receive up to USD 100 in eligible on-property spend at checkout, plus a one-category room upgrade subject to availability at check-in. The credit is once per room, per stay. It cannot offset the room rate, taxes or other fees, and it expires at checkout.

  • Dynamic Purchasing Power and Flexible Payment Option

This Card has no pre-set spending limit, but Amex says spending power adjusts dynamically and is not unlimited. If you pay the required balance in full, you can have up to 55 interest-free days. Flexible Payment Option balances, rates and eligibility follow the Cardmember Agreement and Amex’s then-current terms.

Travel insurance

Official insurance certificate 🔗

  • Flight and Baggage Delay & Hotel Burglary Insurance

Canadian residents only. The full airfare or accommodation must be charged to this Card; if you redeem Membership Rewards® points, the required taxes must be 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 500 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 500 per occurrence. Claim as soon as reasonably possible and give written notice within 90 days of the incident where practicable.

  • 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 500 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 personal-property classes are excluded. Claim as soon as reasonably possible and give written notice within 90 days of the incident where practicable.

  • 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 100,000 per insured person; the loss must occur within 100 days of the accident. Rental-vehicle accidents, war, self-inflicted injury, and injuries while acting as an operator or crew member of the conveyance are among the exclusions. Give written notice within 30 days of the loss where practicable.

  • 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. A rental longer than 48 days is not covered from day one. It can cover theft, loss, damage and eligible loss-of-use charges, up to the vehicle’s actual cash value, with no deductible, for personal and business use. Third-party liability and diminished value are not covered. 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 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 1,000 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.