American Express® Business Gold Rewards Card®  🇨🇦

American Express® Business Gold Rewards Card
Business Card
Welcome Bonus
Up to 40,000 Membership Rewards
  • 10,000 points Quarterly bonus after qualifying purchases
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Annual Fee
$199
Interest rates
Purchase Rates
Cash Advance Rates
Balance Transfer Rates

American Express® Business Gold Rewards Card
American Express® Business Gold Rewards Card®
Business Card
Up to 40,000 Membership Rewards
Apply Now
Updated Sep 29, 2024

Offer

Earn 40,000 bonus Membership Rewards® points.

  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Card membership.
  • Plus, earn 10,000 bonus points for each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year.
  • That’s $400 in statement credits that you can be reinvestedf in your business.

Earn points that you can redeem in a variety of ways.

  • Earn 1 Membership Rewards® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
  • Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
  • Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere

  • Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this 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
  • Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
  • Pay for business expenses over time with Flexible Payment Option
  • This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account..

Access comprehensive insurance coverage for your travel needs.

  • Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
  • Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
  • Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

  • Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
  • Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan

Access to coverage for mobile devices purchased for business use.

  • Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $199
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to 40,000 Membership Rewards
Minimum Spending Required $7,500
Minimum Spending Timeframe (Months) 3 month(s)
Transferable Points
Rewards Type Travel Rewards, Cash Back
Transfer Partners Aeroplan, Asia Miles, British Airways Executive Club, Marriott Bonvoy, Membership Rewards American Express
Loyalty Program Membership Rewards American Express

Earnings

Per dollar of purchases

All Spending 1 Membership Rewards
Groceries 1 Membership Rewards
Gas 1 Membership Rewards
Dining and Food delivery 1 Membership Rewards
Convenience Stores 1 Membership Rewards
Drugstores 1 Membership Rewards
Local Transport 1 Membership Rewards
Travel 1 Membership Rewards
Entertainment 1 Membership Rewards
Recurring Payments 1 Membership Rewards
Telecom/Internet 1 Membership Rewards
Streaming services 1 Membership Rewards
Online transactions 1 Membership Rewards
Office Supplies 1 Membership Rewards

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
Insurance Document

Our review

Earn up to 40,000 Membership Rewards points with this limited-time welcome offer for the American Express Gold Rewards Card for small businesses:

  • 40,000 Membership Rewards points after $7,500 in purchases in the first 3 months
  • 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter (up to 40,000 Membership Rewards points)

With this Card, you earn 1 Membership Rewards point per dollar on your purchases.

You can then use your points in many ways:

  • Statement credit for travel purchases
  • Statement credit for all purchases
  • Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.)
  • Book your flight with American Express Travel at a special rate

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

  • 40,000 Aeroplan points
  • 40,000 Avios points
  • 30,000 Flying Blue Miles
  • 48,000 Marriott Bonvoy points

Alternatively, 40,000 Membership Rewards points can be redeemed for $400 worth of travel or any other Card purchase.

Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.

Finally, you are covered with reliable insurance for your travels and purchases.

Like all American Express Canada Cards, there is no minimum income requirement.

Frequently Asked Questions

Alternative Cards

4 Milesopedia Rating

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