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American Express® for Small Business - Built for Business Owners
American Express Business Gold Rewards Cards - Business Credit and Lending Card for Small Businesses in Canada
Small Business Charge and Credit Cards - The Business Gold Rewards card from American Express
The NEW American Express® Business Gold Rewards Card.
Now there's a card that lets you build your rewards to fit your business.

Earn 1 point for every $1 in purchases charged to the Card1. Plus, you can earn 1 extra point for every $1 in eligible purchases charged to the Card at 3 suppliers you pick from a list1 of select American Express merchants in Canada.  You can earn up to a maximum of 250,000 extra points in each calendar year.

Use your points to:

Offset Business Expenses with PointFlex for BusinessTM2

You have the option to redeem points for statement credit to offset eligible purchases charged to your Card at certain American Express Merchants in Canada. These merchants provide goods and services in business categories such as equipment, technology, advertising and everyday business expenses.

12,500 points = $100 PointFlex for Business statement credit

Offset Trip Expenses with TripFlexTM rewards3

You can also redeem points through TripFlex rewards to offset eligible travel purchases charged to your Card.  Simply charge eligible travel purchases to your Card then pay for it with points (including taxes and fees).

10,000 points = $100 TripFlex rewards statement credit

Transfer your points, at no charge, to many frequent flyer and other loyalty programs 4 including 1:1 to Aeroplan®*5 and Avios6.

25,000 points is enough for a round trip economy flight almost anywhere in North America7.

Plus, you can earn a Welcome Bonus of 25,000 points8 just by making $5,000 in purchases in the first three months of Cardmembership.

Annual fee of $250* (which may be a tax deductable expense9)

Share many of the benefits of this Card with key employees with first year free Supplementary Cards - $50* annual fee each year thereafter9

Interested in this Card?
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What do you need in your business Card?
apply nowEarn rewards to invest back into your business.
Maximize your rewards earning potential.
The new American Express® Business Gold Rewards Card provides unique and flexible ways to make your business spending work for you.
Earn 1 point for every $1 in eligible purchases charged to your Card1.

All points accumulate in your account so you can get the rewards you want faster. There is no limit to the number of points you can collect and your points never expire.

Earn at the same rate for virtually every dollar in purchases charged to your Supplementary Employee Cards1.
Earn 1 extra point for every $1 in eligible purchases charged to your Card with the three suppliers you pick from a list of participating American Express merchants in Canada. You can earn up to a maximum or 250,000 extra points in each calendar year1.
Earn a Welcome Bonus of 25,000 points8.

If you reach $5,000 in purchases within the first 3 months of Cardmembership, you can earn a Welcome Bonus of 25,000 Membership Rewards points – enough for a round trip flight almost anywhere in North America7.
Offset Business Expenses with PointFlex for BusinessTM
Redeem points for statement credit to offset eligible purchases charged to your Card2 at certain American Express merchants in Canada.

12,500 points = $100 PointFlex for Business statement credit
Enjoy Unrestricted Travel with TripFlexTM rewards3
Find the best travel deal you can, book it through any travel agent or website and charge it to your Card. Then call us or go online to pay for it with your points. Your points can cover a wide array of travel costs, from hotel and car rentals to cruises and flights, including associated taxes and fees - a great way to offset trip expenses3.

10,000 points = $100 TripFlex rewards statement credit
Transfer your American Express Membership rewards points to many frequent flyer and loyalty programs for no fee.
Transfer your points to Frequent Flyer and other Loyalty Programs4.
Enjoy the freedom of being able to transfer your points, at no charge, to many frequent flyer and other loyalty programs including 1:1 to Aeroplan®*5 and Avios6.

25,000 points is enough for a round trip economy flight almost anywhere in North America7.
Transfer your American Express Membership rewards points to many frequent flyer and loyalty programs for no fee.
Use points for a wide range of gift cards and merchandise10.
Shop and dine with points by redeeming for a wide selection of gift cards and certificates, including Golf Town11, The Home Depot12, Holt Renfrew, The Keg Steakhouse & Bar® and Bon Appétit13. You can also choose to redeem points for top brand merchandise such as Apple14, Bose® and Sony.

apply nowImprove cash flow with up to 55 interest free days
Cash flow management support.
Use the Business Gold Rewards Card as a tool to help you manage your business.
Maximized your cash flow with up to 55 interest free days with the Business Gold Rewards card from American Express.
Interest Free Days
Maximize your cash flow with up to 55 interest free days15Watch video to learn how
Get access to purchasing power that adjusts dynamically with your card usage with the American Express Business Gold Rewards Card
Dynamic Purchasing Power
With the Business Gold Rewards Card your purchasing power adjusts dynamically with your card usage and can grow over time as long as you make your payments on time and maintain a good credit history. Use your Card for all your purchases and watch your purchasing power grow16.
Real-time Payment Options with American Express for Small Business help you free up spend capacity.
Real-time Payment Options
Take advantage of having your payments applied immediately, so you can free up purchasing power on your Card whenever you need to.
  • Pay your balance in full at americanexpress.ca or by phone and your payment will be applied immediately17.
  • You can also pay via online banking through your financial institution, and your payment will be applied within 48 to 72 hours.
apply nowTravel and make small business purchases with confidence with American Express Business Gold Rewards card.
Peace of mind
is included.
Enjoy the peace of mind to travel and make business purchases with confidence.
Get comprehensive travel coverage with the American Express Business Gold Rewards Card - a card that is built for Canadian Business Owners
Travel Benefits
  • Complimentary Car Rental Theft and Damage Insurance19† 

    Save money when traveling 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 your 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. 

  • Baggage Delay Insurance20†

    Book a flight with your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases. 

  • Flight Delay Insurance21† 

    Charge your airline ticket to your Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items. 

  • Lost or Stolen Baggage Insurance20† 

    When you fully charge your airline tickets to your Business Gold Rewards Card you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit. 

  • Hotel/Motel Burglary Insurance20† 

    Automatic coverage of up to $500 against the loss of most personal items if your hotel/motel is burglarized. 

  • $100,000 Travel Accident Insurance22† 

    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. 

  • Travel Emergency Assistance23

    Out-of-town emergency medical and legal referrals, and important travel-specific information, such as visa requirements or customs and inoculation regulations, are available by telephone, 24 hours-a-day, 7 days-a-week. 

    From anywhere in Canada/U.S. call 1-800-678-5523. Outside Canada/U.S. please call collect (514)-285-8165.

  • 24/7 Card Replacement

    No matter how you lost your Card, give us a call anytime, from anywhere and we’ll arrange to get a new one as soon as possible. 

    Small Business Cardmembers can get 24/7 Global Support by calling 1 888 721 1046.

Get Coverage for your business with the American Express Business Gold Rewards card which is built for Canadian Business Owners.
Business Coverage
  • Employee Card Misuse Protection24 

    Your card may cover eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a new benefit created specifically for business owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges. 

  • Disability Plan for Small Business25† 

    Your Company can benefit from valuable protection against financial hardships caused by permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000. 

Get purchase coverage from the American Express Business Gold Rewards card.  A card Built for Canadian Business Owners.
Purchase Coverage
  • Buyer's Assurance® Protection Plan26† 

    Automatically double the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your Business Gold Rewards Card. 

  • Purchase Protection® Plan27† 

    Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you use your Business Gold Rewards Card.

apply nowFind more time for you small business with tools and services that make your life easier with the American Express Business Gold Rewards Card.  A card that is build for Canadian Small Business Owners.
Take advantage of practical tools and services to simplify how you manage and monitor your business expenses.
Get mobile access to your account with the American Express for Small Business.
Mobile Access
Keep tabs on your account from anywhere. Mobile account access allows you to check your balance, review your recent purchases, make payments and transfer money.
Monitor your business expenses more efficiently with Expense Management reports from American Express for Small Business.  Built for Canadian Business Owners.
Expense Management Reports
Quarterly and annual reporting that makes record keeping, expense tracking and tax preparation easier.
Get mobile access to your account with the American Express for Small Business.
Online Account Alerts18
Receive Email or SMS alerts to let you know when your payment is due, when payments are received, and when your statement is ready.
Get mobile access to your account with the American Express for Small Business.
American Express 24/7 Business Servicing
As an American Express Small Business Cardmember, you have access to around-the-clock servicing to help you manage your account, whether you’re at the office or on the road.
Interested In a Card?
1 855 390 5133
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*As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges. 

Terms & Conditions 

  1. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for 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. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit amexforbusiness.ca/supplierlist. List is subject to change without notice.  Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.

  2. PointFlex for BusinessTM - You can redeem Membership Rewards points for a statement credit toward an Eligible Business Purchase, which is a purchase charged to your Card at select American Express merchants in Canada chosen by us that provide goods and services to businesses.  You must redeem a minimum of 1,250 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Business Purchase. Eligible Business Purchases can only be viewed online. You must register for online services to view your Eligible Business Purchases. Other terms, conditions and restrictions apply.

  3. TripFlex rewards - You can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums.  You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases.  If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.  Other terms, conditions and restrictions apply.

  4. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

  5. Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer.  1,000 Membership Rewards points = 1,000 Aeroplan Miles.  Other terms, conditions and restrictions apply.  Visit membershiprewards.ca for full Membership Rewards Terms and Conditions.

  6. Membership Rewards point transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com.

  7. 25,000 Membership Rewards points = 25,000 Aeroplan Miles. As per Aeroplan's current reward chart, 25,000 Aeroplan Miles are currently enough for a round-trip long-haul flight reward in economy class within Canada or to the Continental US with Aeroplan ClassicFlight Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.

  8. To qualify for a Welcome Bonus of 25,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

  9. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

  10. 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.

  11. Your Golf Town Gift Card may be used at all Golf Town stores. It cannot be redeemed for cash or applied as payment to any account unless required by law. The value on this Gift Card will not be replaced if the Gift Card is lost, stolen, destroyed, altered or used without your permission.

  12. ® The Home Depot is a registered trademark of Homer TLC, Inc.

  13. Bon Appétit Gift Card™ is a trademark of Cara Operations Limited or its affiliates and are used under license.

  14. Apple is not a participant in or sponsor of this promotion.

  15. As a Charge Card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

  16. No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.

  17. Subject to the Electronic Payment Program Agreement and availability of the service, you can request a same day payment prior to 8 PM Eastern Time or , if your account is in good standing, a future payment within 25 days scheduled by your next due date (or 28 days after the date of your statement for Corporate Card). However, your first payment can only be scheduled 3 calendar days after enrolment of the bank account. Although we may credit your American Express account it may not appear on your Online Services summary and may not be cleared through your bank until a subsequent day.

  18. Account Alerts is a free service for American Express Card members. However, your mobile phone service provider may apply fees for incoming text messages. Text Alerts currently available for RogersTM and FidoTM users only. Please contact your provider for further details.

  19. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental(s) to your Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

  20. Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.

  21. Underwritten by RBC Insurance Company of Canada.

  22. Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Business Gold Rewards. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

  23. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

  24. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

  25. Underwritten by AIG Insurance Company of Canada.

  26. When you charge the full price on eligible purchases to your Business Gold Rewards Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

  27. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage in excess of any and all other applicable insurance.

 

: 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.

® Used by Amex Bank of Canada under license from American Express

®* Aeroplan is a registered trademark of Aeroplan Limited Partnership.

Interested In a Card?
1 855 390 5133
Receive a Call Back
Get a response in 60 seconds
apply now