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American Express® for Small Business - Built for Business Owners
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Earn Starpoints®**
Earn 1 Starpoint®** for every $1 in eligible purchases charged to your Credit Card.1 That’s in addition to the Starpoints you earn as a Starwood Preferred Guest member at over 1,100 hotels and resorts in nearly 100 countries.
Redeem Starpoints through the Starwood Preferred Guest program§3
No blackout dates – redeem Starpoints for Free Nights and Flights at the world’s most desired destinations anytime.17
Bonus Starpoints®**

Earn 10,000 Bonus Starpoints®** after you charge $1,000 in purchases to your card in your first three months of Cardmembership - that's enough for up to 3 free nights.4 

Business benefits built with business owners in mind
Enjoy flexible benefits that can help you grow your business further, and coverage that can safeguard what you’ve worked hard to achieve.
Safeguard the things that are most important
Travel and shop for business or pleasure and The Starwood Preferred Guest Business Credit Card offers extensive coverage – for you, and your business.
Rewards Program
Earn 1 Starpoint for every $1 in purchases charged to your Credit Card.1
Type of Card
Credit Card – flexibility to pay balances over time
Annual Fee
$150 annual fee which may be tax deductible.2
Supplementary Cards
$50 annual fee2
Annual Interest Rate
The preferred rate for purchases is 19.99% and funds advances is 21.99%*
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How this card benefits owners
Not only can you earn Starpoints when you stay at participating hotels and resorts, but your everyday business expenses – like couriers, office supplies, inventory and travel – can reward you and your business when you pay for them using the Credit Card.
Rewards at a Glance
  • Earn 10,000 Bonus Starpoints - that's enough for up to 3 free nights.4 
  • Earn 1 Starpoint for every $1 in purchases charged to your Credit Card.1 That's in addition to the Starpoints you earn as a Starwood Preferred Guest member at over 1,100 hotels and resorts in nearly 100 countries.
  • Receive a Free Weekend Night Award at hotels and resorts worldwide when you reach $40,000 in purchases on the Card each year.5
  • Automatic upgrade to Starwood Gold Preferred Guest membership when you reach $30,000 in purchases on the Card each year.6
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Benefits built with business owners in mind.
Enjoy flexible benefits that can help you grow your business further, and coverage that can safeguard what you've worked hard to achieve.
Key Benefits for your Business
Key benefits for you and your business
  • Business Savings and expense management tools and resources
  • Business and travel insurance benefits and services
  • Dedicated business servicing representatives
  • Front Of The Line® - Cardmembers can purchase advance and reserved tickets to some of the hottest concerts, theatre productions, and special events across Canada.7
  • The flexibility to pay balances in full or over time
  • $150 annual fee which may be tax deductible2
Account Management Tools
Account Management Tools & Business Resources
  • Business Savings Program: Use your Starwood Preferred Guest Business Credit Card from American Express at participating companies and take advantage of the discounts and savings. There’s no additional fee to join the Business Savings Program – it’s included with your Card membership. Save with discounts on everyday business supplies and services from FedEx®, MDG Computers and other partners. Enjoy discounts on a variety of travel and entertainment services from Hertz, ClubLink and other partners.8
  • Payment Flexibility: Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Supplementary Cards just $502: Supplementary Cards accumulate Starpoints on your Starwood Preferred Guest account, so you have an opportunity to maximize the Starpoints you can earn. Plus, purchases made on Supplementary Cards qualify for Business Savings Program discounts.
Business Coverage
Business Coverage & Assistance
  • Disability Plan for Small Business9†: Your Company can benefit from coverage for the 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.
  • Employee Card Misuse Protection10: Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owner and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.
  • Dedicated Customer Service: Get information about Card benefits or online account management from specially trained Small Business service specialists. Simply dial the number on the back of your Card and enter your Card number to reach a Business specialist.
  • Emergency Card Replacement: If your Card is ever lost or stolen, we’ll arrange a new Card as quickly as possible. If it happens in a remote part of the world, arrangements can be made to have a Card waiting at a point along your itinerary. Simply call 1-888-721-1046.
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Safeguard the things that are most important.
Travel and shop for business or pleasure and the Starwood Preferred Guest Business Credit Card offers extensive coverage - for you, and your business.
Coverage for you and your Business
  • $500,000 Travel Accident Insurance11†: Up to $500,000 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 Starwood Preferred Guest Business Credit Card from American Express. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
  • Flight Delay Insurance12†: Charge your airline ticket to your Card, and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for hotel, motel, restaurant expenses and other sundry items.
  • Baggage Delay Insurance13†: Book a flight with your Starwood Preferred Guest Business Credit Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for reasonable and necessary emergency purchases.
  • Lost or Stolen Baggage Insurance13†: When you fully charge your airline tickets to your Starwood Preferred Guest Business Credit Card, you can receive up to $500 coverage for loss or damage to your luggage or personal effects while in transit.
  • Complimentary Car Rental Theft and Damage Insurance14†: 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 your 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.
  • Hotel/Motel Burglary Insurance13†: Automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel or motel room is burglarized. Coverage is in effect as long as you have fully booked and paid for your accommodations with your Starwood Preferred Guest Business Credit Card.
  • Travel Emergency Assistance15: Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week. 
  • Buyer's Assurance® Protection Plan16†: Automatically doubles the manufacturer's original warranty up to one additional year when you charge the full purchase price to your Starwood Preferred Guest Business Credit Card from American Express.
  • Purchase Protection® Plan18†: Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you use your Starwood Preferred Guest Business Credit Card from American Express.
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Redeem Starpoints through the Starwood Preferred Guest program§
No blackout dates – redeem Starpoints for Free Nights and Flights at the world’s most desired destinations anytime.17
Redeem
  • Redeem Starpoints at over 1,100 hotels and resorts in nearly 100 countries for Free Nights3 at 9 distinct hotel brands including St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, and Four Points. Learn more at www.spg.com
  • Use Starpoints for flights on over 350 airlines with no blackout dates with SPG Flights.17 Learn more at www.spg.com/flights

 

§The Starwood Preferred Guest program is operated by or on behalf of Starwood Hotels & Resorts Worldwide, Inc. and is subject to terms, conditions and restrictions. For details, please see www.spg.com.

*Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

 

1.  Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.

2.

 

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

 

3.

Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.spg.com.

5.

 

Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night.  Account must be in good standing.  On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.

 

7.

 

Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

 

8.

 

Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. To receive savings with a partner, you must charge your eligible purchases to your Starwood Preferred Guest Business Credit Card (in accordance with the terms and conditions applicable to that partner). Some Savings Program partners may require you to establish a customer account with them, in which they will record your Card information, in order to provide the discounts.

 

9.

 

Underwritten by AIG Insurance Company of Canada.

 

10.

 

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.

 

11.

 

Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Starwood Preferred Guest Business Credit Card from American Express. 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.

 

12.

 

Underwritten by RBC Insurance Company of Canada. 

 

13.

 

Underwritten by RBC Insurance Company of Canada.

 

14.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Starwood Preferred Guest®* Business Credit Card from American Express®. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

 

 

15.

 

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).

 

16.

 

When you charge the full price on eligible purchases to your Starwood Preferred Guest Business Credit Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance® Protection Plan is administered by C. Walker Group Inc. Certain limitations, exclusions and restrictions apply. Please read the terms & conditions carefully.

 

17.

Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.spg.com.

18.

 

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is 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.

®**: SPG, Starpoints, Preferred Guest, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.