Scotiabank Gold American Express® CardScotiabank Gold American Express® Card•Earn up to 50,000 bonus Scene+ points + no annual fee in your first year†
FR
FR
FRBest offers

American Express: Benefits of Amex Business Cards

6 min read
Editorial integrity
American Express: Benefits of Amex Business Cards
Share

The American Express business credit cards offer much more than just a payment method. They allow you to manage your expenses, protect your business, and earn Membership Rewards points. Whether you are self-employed, an SME owner, or a manager of a large organization, these cards offer tangible benefits: rewards, insurance, tracking tools, and payment flexibility. This article details the benefits of Amex business cards and guides you in choosing the most suitable card.

Who are Amex business cards for?

The American Express business credit cards are for various types of entrepreneurs; they are not exclusively reserved for large organizations.

  • Self-employed individuals: If you are a consultant, freelancer, or independent professional, an Amex business card helps you separate your business and personal expenses, while earning rewards;
  • SMEs: Small businesses benefit from payment flexibility, insurance coverage, and tracking tools. These benefits facilitate cash flow management and reduce financial stress;
  • Large businesses: More established organizations benefit from advanced management tools, such as detailed statements, employee cards, and consolidated reports. This simplifies financial control and planning.

In short, Amex business cards are suitable for any organization that wants to optimize its expenses, earn rewards, and have tools adapted to its development.

Our credit card selection
Credit cardAnnual feeWelcome offer
FeaturedMarriott Bonvoy® Business American Express®* Card
Apply Now
Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now
American Express® Aeroplan®* Business Reserve Card
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
Apply Now
Business Platinum Card® from American Express
Apply Now
Annual fee$799Welcome offer
Up to 120,000 points
Apply Now
American Express® Business Gold Rewards Card®
Apply Now
Annual fee$199Welcome offer
Up to 70,000 points
Apply Now

Selection criteria for an Amex business card

To choose the best card for your business, consider:

  • Monthly spending volume: some cards offer more points in specific categories;
  • Reward goals: travel, hotels, transfers to partner programs, or statement credits;
  • Business size: cards suitable for self-employed individuals, SMEs, or large businesses;
  • Need for management tools: detailed reports, employee cards, category tracking;
  • Desired insurance coverage: travel, accident, purchase protection, vehicle rental.

These criteria help you maximize the value of your rewards and manage business expenses.

Benefits of Amex Business Cards

The benefits of Amex Business Cards are numerous, including advantages for frequent travelers and online offers.

Financial flexibility

American Express offers several business cards tailored for self-employed individuals, SMEs, and professionals. To choose wisely, you must first understand the different types available.

A charge card is a card that must be paid in full each month. Its advantage is having no pre-set spending limit. Moreover, these cards allow you to maximize the cash flow over 55 days, which is convenient.

Our credit card selection
Credit cardAnnual feeWelcome offer
Business Platinum Card® from American Express
Apply Now
Annual fee$799Welcome offer
Up to 120,000 points
Apply Now
American Express® Business Gold Rewards Card®
Apply Now
Annual fee$199Welcome offer
Up to 70,000 points
Apply Now

An Amex business credit card allows you to carry a balance from one month to the next with interest (which is generally not recommended). It has a predefined credit limit, adjustable according to your needs. If American Express offers a limit increase, it will not affect your credit file.

Our credit card selection
Credit cardAnnual feeWelcome offer
FeaturedMarriott Bonvoy® Business American Express®* Card
Apply Now
Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now
American Express® Aeroplan®* Business Reserve Card
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
Apply Now

Rewards and Membership Rewards points

The Amex business cards allow you to earn Membership Rewards points with every purchase. Depending on the card, you get up to 1.25 points per dollar spent, and sometimes more for certain categories.

How to use your points:

  • Statement credit to offset your business expenses;
  • Transfer to partner programs: Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, ALL Accor, etc.

Some cards offer welcome bonuses to quickly start earning points. This flexibility maximizes the value of your rewards for travel, hotels, and business purchases.

Cash flow optimization

With an Amex business card, you can better manage your cash flow thanks to an interest-free period on your purchases.

You generally benefit from 28 to 31 interest-free days after your statement closing date, depending on the length of the month and your purchase dates. This period may vary slightly depending on when you make your transactions.

If you pay your entire bill each month, including purchases, advances, and fees, you will not have to pay any interest. By optimizing your payments in this way, you can enjoy a period of up to 55 interest-free days for purchases made at the beginning of the cycle.

Travel benefits for businesses

Some American Express business cards offer benefits for frequent travelers:

  • AeroplanMD* Business Reserve American ExpressMD Card: Air Canada travel privileges, such as access to Maple Leaf lounges in North America for you and a guest, priority check-in, priority boarding, priority baggage handling, etc.;
  • American ExpressMD Business Platinum Card: benefits for your travel and professional life, such as free and unlimited access for you and an additional traveler to over 1,400 airport lounges in more than 130 countries, an annual travel credit of $200, a statement credit of $100 for NEXUS program membership, Marriott Bonvoy Gold Elite status, Hilton Honors Gold status, etc.;
  • Marriott BonvoyMD Business American ExpressMD* Card: annual free night certificate worth 35,000 points, as well as 15 Elite nights per year, counting towards your Marriott Bonvoy status.

American Express Global Lounge Collection

For example, the American ExpressMD Business Platinum Card gives you or your employees ($250 per additional card) access to the American Express Global Lounge Collection, comprising over 1,400 airport lounges worldwide, including:

Business Platinum Card® from American Express

BusinessAmerican ExpressAmex Membership Rewards
Annual fee
$799
Our valuation
$2,040
Milesopedia first-year estimateFirst-year valueWelcome bonus$2,040Total$2,040Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 120,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

  • 80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
  • 40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

  • Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
  • Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
  • Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
  • And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

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 :

  • 120,000 Aeroplan points
  • 120,000 Avios
  • 120,000 Flying Blue Miles
  • 144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

  • Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
  • $200 Annual travel credit
  • $100 Card Statement Credit for Nexus
  • Marriott Bonvoy Gold Elite status
  • Hilton Honors Gold Elite status
  • Access to the Fine Hotels and Resorts program
  • Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

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

Legal

*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$1,815
2nd Year Value$311

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Marriott BonvoyHotel

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Tools and insurance for businesses

The benefits of Amex business cards go beyond rewards.

Management tools:

  • Supplementary employee cards with spending limit and category control;
  • Detailed reports and category tracking to simplify accounting;
  • Separation of personal and business expenses.
American Express: Benefits of Amex Business Cards - expense management reports amex

Insurance :

  • Travel and accident insurance for business trips;
  • Purchase protection and extended warranty for professional equipment;
  • Collision/rental vehicle insurance for business needs.

These benefits help to secure your operations, optimize your expenses, and maximize your rewards.

Online promotions and offers

The Amex business cards regularly offer promotions to help businesses maximize their rewards:

  • Welcome bonus: varies by card;
  • Offers on certain purchase categories: extra points on travel purchases, restaurants, or office supplies;
  • Seasonal benefits: privileged access to events or partner offers for businesses.

These promotions evolve regularly, so it is recommended to check your app or your Amex Canada account.

Welcome Offers from Amex Business Cards

The American Express business cards regularly offer welcome offers for new customers. Here are the current offers:

Business Platinum Card® from American Express

Milesopedia Special Offers for American Express small business Cards - Business Platinum Card® from American Express Centurion

Business Platinum Card® from American Express

BusinessAmerican ExpressAmex Membership Rewards
Annual fee
$799
Our valuation
$2,040
Milesopedia first-year estimateFirst-year valueWelcome bonus$2,040Total$2,040Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 120,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

  • 80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
  • 40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

  • Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
  • Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
  • Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
  • And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

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 :

  • 120,000 Aeroplan points
  • 120,000 Avios
  • 120,000 Flying Blue Miles
  • 144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

  • Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
  • $200 Annual travel credit
  • $100 Card Statement Credit for Nexus
  • Marriott Bonvoy Gold Elite status
  • Hilton Honors Gold Elite status
  • Access to the Fine Hotels and Resorts program
  • Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

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

Legal

*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$799
Additional card$250

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1.25xAll spending

Value

1st Year Value$1,815
2nd Year Value$311

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Marriott BonvoyHotel

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

American Express® Business Gold Rewards Card®

American Express® Business Gold Rewards Card®

BusinessAmerican ExpressAmex Membership Rewards
Annual fee
$199
Our valuation
$1,190
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Earn a welcome bonus of up to 70,000 Membership Rewards® points with the American Express® Business Gold Rewards Card®

  • 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
  • 20,000 additional points after spending $30,000 on your Card in your first 12 months of Cardmembership.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.

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:

  • 70,000 points Aeroplan
  • 70,000 Avios
  • 70,000 Flying Blue Miles
  • 84,000 Marriott Bonvoy points

Alternatively, 70,000 Membership Rewards points can also represent a value of $700 for travel or for any purchase charged to the Card.

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.

Legal

*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Annual fee

Primary card$199
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 1xAll spending

Value

1st Year Value$1,450
2nd Year Value$209

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $100,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

American Express® Aeroplan®* Business Reserve Card

American Express: Benefits of Amex Business Cards - TD Salon AC-43

American Express® Aeroplan®* Business Reserve Card

BusinessAmerican ExpressAeroplan
Annual fee
$599
Our valuation
$1,800
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,800Total$1,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 90,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Aeroplan Business Credit Card in Canada. For a limited time, you can get, as a welcome bonus:
  • Up to 100,000 Aeroplan Points (an estimated $1,700 value)
  • 10 Aeroplan points for every $1 in card purchases on eligible Gas, Eats & Drinks for the first six months of Cardmembership
With this Card you can earn:
  • 3 points per dollar on purchases made with Air Canada and Air Canada Vacations
  • 2 points per dollar on hotel and car rental purchases
  • 1 point per dollar on all other purchases.
Also, as a Cardmember, you get many benefits such as:
  • Unlimited access to Air Canada Maple Leaf Lounges in North America
  • The first checked bag free for you and up to 8 companions
  • An Annual Worldwide Companion Pass
  • Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
  • The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.
Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]
Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 Aeroplan points:

  • Earn 65,000 Aeroplan points after making $10,500 in purchases in the first three months.
  • Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

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

Annual fee

Primary card$599
Additional card$199

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 3xAir Canada flights
  • 2xTravel
  • 1.25xAll spending

Value

1st Year Value$2,056
2nd Year Value$426

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Marriott Bonvoy® Business American Express®* Card

6 months to earn an American Express Card Welcome Bonus! - bonvoy companycard featured image
Featured

Marriott Bonvoy® Business American Express®* Card

BusinessAmerican ExpressMarriott Bonvoy
Annual fee
$150
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This credit card has been the Best Business Credit Card in Canada for hotels for many years. For a limited time, you can earn 50,000 points as a welcome bonus. With this Card you can earn:
  • 5 points per dollar on Marriott Bonvoy purchases
  • 3 points per dollar on gas, dining and travel purchases
  • 2 points per dollar on all other purchases
Also, as a Cardmember, you get many benefits such as:
  • An Annual Free Night Award for up to 35,000 points
  • 15 Elite Night Credits each calendar year for your Marriott Bonvoy Elite Status
  • Automatic Marriott Bonvoy Silver Elite status membership
  • Access to American Express promotional offers
  • Access to pre-sale tickets
Finally, you are covered with reliable insurance for your travels and purchases. Like most American Express Credit Cards, there is no minimum income required to apply for this Card.[/vc_column_text][/vc_column][/vc_row]
Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.

With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:

  • Earn 80,000 points after you spend $10,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.

This exceptional offer ends on September 22, 2026.

It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :

  • Gas
  • Dining
  • Travel

And 2 points per dollar on all other purchases.

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

Annual fee

Primary card$150
Additional card$50

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 3xTravel
  • 3xGas & EV
  • 3xRestaurants
  • 2xAll spending

Value

1st Year Value$1,520
2nd Year Value$347

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Bottom Line

The Amex business credit cards combine generous rewards, financial flexibility, and management tools. Whether your priority is to earn points for travel, to optimize your cash flow, or to simplify accounting, an Amex business card can become a strategic asset. Before choosing, evaluate your needs and compare the available offers. The benefits of Amex business cards can truly support your growth and simplify your daily management.

Our credit card selection
Credit cardAnnual feeWelcome offer
FeaturedMarriott Bonvoy® Business American Express®* Card
Apply Now
Annual fee$150Welcome offer
Up to 110,000 pointsEnds Sep 22, 2026
Apply Now
American Express® Aeroplan®* Business Reserve Card
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
Apply Now
Business Platinum Card® from American Express
Apply Now
Annual fee$799Welcome offer
Up to 120,000 points
Apply Now
American Express® Business Gold Rewards Card®
Apply Now
Annual fee$199Welcome offer
Up to 70,000 points
Apply Now

What are the Main Benefits of an Amex Business Card?

They offer rewards, payment flexibility, insurance coverage, and expense tracking tools.

Can an SME get an Amex Business Card?

Yes. Amex business cards are for self-employed individuals, SMEs, and large organizations.

What Rewards Do Amex Business Cards Offer?

Depending on the card, you earn Membership Rewards points, credits to offset your expenses, or transfers to partner programs.

What is the Difference between a Personal Amex Card and a Business Card?

The Amex business card separates business expenses and offers benefits tailored to business needs.

Do Amex Business Cards Offer Insurance?

Yes, they cover travel, purchases, rental vehicles, and accidents related to professional activities.

Our featured card

Featured

Marriott Bonvoy® American Express®* Card

American ExpressMarriott Bonvoy
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.