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American Express Small Business Cards

How to apply for an American Express Small Business Card?

To the point American Express Canada offers 7 Small Business Cards accessible to self-employed individuals or small business owners. Find out how to apply for one of them and their advantages.

American Express Canada Small Business Cards

A difference must first be established between the 3 types of cards issued by American Express:

  1. Consumer cards: for individuals
  2. Small Business Cards: for small business owners or self-employed workers (subject of this article)
  3. Corporate cards: for large companies
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As a result, Small Business Cards have a much wider audience than corporate cards.

Actually, as soon as an individual generates business income and expenses, he or she may be eligible for an American Express Small Business Card.

No need to be incorporated to be approved for this type of card.

Therefore, this is convenient for small business owners, more commonly known as sole proprietors.

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The Small Business Card application process

Applying for an American Express Small Business Card is a 3-step process:

Step 1: Personal Information

Here will be your personal information and what will be written on your card.

By entering your email address, you can be notified directly of the status of the application (and resume it if you stop it in progress):

  • First name, last name,
  • Date of Birth
  • Email
  • Zip Code / Work Phone

For this last line, if you work from home, enter your home address.

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Step 2: Contact person

This is primarily your personal information so that American Express can contact you AND send you your card and statements:

  • Home Phone
  • Home address

If you work from home, indicate that your work address is the same as your home address by checking the box provided.

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Step 3: Finance and Business

This is the most important part: we go into the details of your professional activity and your personal income:

  • Personal annual income
  • Business Information

You are free to provide or not your Social Insurance Number or the fact that you already have an American Express Card.

If you operate a sole proprietorship ( = self-employed), you can enter your name as the “legal name of the business .”

You then choose the industry that is closest to your business.

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The most important thing is to be as honest as possible in your application.

American Express may call you within a few hours of your subscription to ensure that everything is correct: this is a simple formality (you will not be asked for proof of incorporation, certificates of incorporation, etc.).

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Can we have several Small Business cards?

This is a recurring question.

Yes, it is possible to have multiple American Express Small Business Cards.

However:

  • space card apps at least 6 months apart
  • keep each of your cards active

Why would American Express give you a new Small Business Card if there is no activity on your current card?

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American Express Small Business Cards

Now that you know how to apply for an American Express Small Business Card, let’s take a look at the choices available to you.

American Express offers Small Business Cards in 4 loyalty programs:

  1. American Express Membership Rewards
  2. Marriott Bonvoy
  3. Aeroplan
  4. AIR MILES
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American Express Membership Rewards Small Business Cards

These are the best known Small Business cards:

Each of them has its own specific advantages.

What brings them together: they are charge cards. There are no pre-established limits, which can be convenient for a small business with many expenses.

It is also possible to maximize cash flow through a period of up to 55 days without interest.

If you prefer a credit card offering Membership Rewards points, here’s one:

Business Platinum Card® from American Express Centurion

Business Platinum Card® from American Express

Earn 80,000 points with this welcome offer when you spend $6,000 in purchases to your Business Platinum Card® from American Express within the first three months of Cardmembership.

You can use your Membership Rewards points in many ways:

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

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. In addition, you have travel benefits:

  • Complimentary and unlimited access for you and an additional traveller to over 1,300 airport lounges worldwide.
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels & Resorts program

With this Card you can maximize your cash flow with up to 55 interest free days.

Finally, the Business Platinum Card® from American Express comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

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

American Express® Business Gold Rewards Card®

Earn up to 110,000 Membership Rewards points with this outstanding limited-time welcome offer for the American Express® Business Gold Rewards Card®:

  • 70,000 Membership Rewards points after $5,000 in Card purchases within 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

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.

American Express Business Edge™ Card

The American Express Business Edge™ Card is a great small business credit card in Canada. The annual fee is only $99 and this American Express credit card offers up to 67,000 Membership Rewards points in the first year, a value of $670.

You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).

With this Card, you can get 3x the points on purchases:

  • Office supplies (Staples, etc.)
  • Electronic (Apple, Dell, etc.)
  • Rides
  • Gas
  • Eats & Drinks

Besides, you can add up to 99 supplementary cards at no cost.

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

Marriott Bonvoy™ Business American Express® Card

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

With this welcome offer, you can earn 50,000 Marriott Bonvoy points after $1,500 in Card purchases within the first 3 months.

It’s a Card we recommend keeping because each year at renewal, you get an Annual Free Night Award (for up to 35,000 points at hotels worldwide) and 15 Elite Night Credits per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties. And you can earn 3 points per dollar on:

  • Gas
  • Dining purchases
  • travel purchases

And 2 points per dollar on all other purchases.

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

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American Express® Aeroplan®* Business Reserve Card

With this welcome offer for the American Express® Aeroplan®* Business Reserve Card, you can earn up to 85,000 Aeroplan points.

Here’s how:

  • 25,000 Aeroplan points after spending $3,000 within the first 3 months
  • Plus, earn 5,000 Aeroplan points for each monthly billing period in which you spend $2,000 in purchases on your Card for the first twelve months of Cardmembership. That could add up to 60,000 Aeroplan points.

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 receive 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.

Finally, you get a FREE Uber Pass membership for 12 months!

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

Conclusion

You’ll see: you don’t have to be a big business owner to get an American Express Small Business Card.

You’ll be able to split your personal and small business expenses: enough to delight your accountant at the end of the year!

Come to discuss that topic in our Facebook Group!

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