Loyalty Program: British Airways Club

business platinum card american express
Business Card
  • 1.25X points on all purchases
  • Access to VIP Lounges
    over 1,300 airport lounges worldwide
  • $200 Annual Travel Credit
    through American Express Travel Online or Platinum® Card Travel Service
Learn More
Best Credit Card for Business in 2023

Earn up to 120,000 bonus Membership Rewards® points:

  • Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
  • That’s up to $1,200 in statement credit that can be reinvested in your business

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

  • Earn 1.25 Membership Rewards points for virtually every $1 in purchases 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.

Bolster your business with up to $820 in annual business and travel statement credits

  • Register your eligible Card and get up to $500 in business account credits for your eligible purchases with Dell or Indeed.
  • Enroll and earn up to $120 in eligible Wireless Credits each year.
  • Access a $200 Annual Travel Credit each year of your Cardmembership

Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business - anytime and anywhere

  • Enjoy financial flexibility 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 the account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Enjoy special benefits for you and your business.

  • Extend payment solutions with Supplementary Cards for your employees.
  • Make the most of the American Express Global Lounge CollectionTM, which gives you access to over 1,400 airport lounges worldwide. This includes the Centurion Lounge networkSM, Plaza Premium Lounges, as well as hundreds of lounges in domestic and international terminals designed to enhance your travel experience. Terms and conditions apply.
  • Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
  • Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
  • Enjoy Fine Hotels + Resorts benefits at over 1,600 properties worldwide like guaranteed late check-out, complimentary breakfast for two, and more with Business Platinum.
  • Upgrade your stay with premium status at leading hotel brands like Hilton Honors and Marriott Bonvoy
  • Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
  • Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership

Access comprehensive insurance coverage for your travel needs.

  • Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
  • Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum 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 Platinum 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 Platinum 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
  • Equip your business with Mobile Device Insurance
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*Terms and conditions apply.
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.

Earning Rate
  • All Spending1.25Membership Rewards
  • Groceries1.25Membership Rewards
  • Gas1.25Membership Rewards
Value
  • Year 1 $2,351
  • Year 2+ $311
Best For
Transfer Partners
  • AeroplanAmerican Express Membership RewardsAsia MilesBritish Airways ClubMarriott Bonvoy

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
  • Access to VIP Lounges
    over 1,400 airport lounges worldwide
  • $200 Annual Travel Credit
    through American Express Travel Online or Platinum® Card Travel Service
  • $200 Annual Dining Credit
    for use in some of Canada's finest restaurants
Learn More
Best premium credit card in 2023

Unlock special experiences with the Platinum Card®. Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away:

  • New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
  • Plus, get 30,000 points if you make a purchase within 15 to 17 months of your membership
  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

 

Legal

*Terms and conditions apply.
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.

Earning Rate
  • Dining and Food delivery2Membership Rewards
  • Travel2Membership Rewards
  • Air Canada2Membership Rewards
Value
  • Year 1 $2,170
  • Year 2+ $470
Best For
Transfer Partners
  • AeroplanAmerican Express Membership RewardsAsia MilesBritish Airways ClubEtihad GuestFlying BlueHilton HonorsMarriott Bonvoy

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000
American Express® Business Gold Rewards Card
Business Card
  • Use your points as a statement credit on any purchase
  • Transfer your points to airline and hotel partners
Learn More
  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership
  • That’s $400 in statement credits that can be reinvested in your business
  • Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year

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. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are 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.
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.

Earning Rate
  • All Spending1Membership Rewards
  • Groceries1Membership Rewards
  • Gas1Membership Rewards
Value
  • Year 1 $1,569
  • Year 2+ $209
Best For
Transfer Partners
  • AeroplanAsia MilesBritish Airways ClubMarriott BonvoyAmerican Express Membership Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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

Get up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite Card

Receive up to 60,000 Aviosˆ, here’s how:

  • Collect a 30,000 Avios Welcome Bonus when you spend $5,000 CAD in the first three months of account opening.
  • Collect a further 30,000 bonus Avios when you spend $5,000 CAD in months 4-6 of account opening.
  • If you do not meet the $5,000 CAD spend in the first three months, you can still collect 30,000 bonus Avios if you meet the spend requirement in months 4-6.

Benefits:

  • Earn 3 Avios for every $1 CAD spent on British Airways and BA Holidays*
  • Earn 2 Avios for every $1 CAD spent on qualifying dining spend*
  • Earn 1 Avios for every $1 CAD spent on qualifying net purchases*
  • Earn a companion voucher when you spend $30,000 CAD annually You can either take a companion with you or fly solo instead for a 50% Avios discount on the cost of one reward seat ticket. Plus, you'll have the flexibility to pay a lower, flat fee to cover taxes, fees and carrier charges and a fixed Avios amount when you make a Reward Flight booking.˜
  • 10% off British Airways flights when you book and pay with your card∞
  • Redeem for travel on British Airways and one world partner airlines**
  • Comprehensive Insurances including 31–day out of country/province emergency medical insurance1, flight delay insurance2, hotel burglary3 and rental car4 insurance. Even eligible purchases you make with the card are protected3.
  • Premium5 Visa Infinite benefits, such as no-wait service for events, as well as restaurant and hotel privileges through www.visainfinite.ca
  • Complimentary 24/7 Concierge Service5
  • Link your RBC card to your Petro-Points card and instantly save per liter on fuel at Petro-Canada stations, plus always earn 20% more Petro-Points and 20% more Avion Rewards points.
  • Link your RBC British Airways Visa Infinite card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Add your eligible RBC credit card to your DoorDash account to: Get a free 12-month subscription to DashPass±, a value of up to $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

This offer only applies to new applications for a RBC British Airways Visa Infinite credit card received and approved by Royal Bank of Canada (“Royal Bank”) between July 23, 2025 and February 25, 2026 (“Offer Period”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC British Airways Visa Infinite credit card account are not eligible for this offer. Existing cardholders on any RBC Royal Bank personal credit card account transferring to a RBC British Airways Visa Infinite credit card, are not eligible for the offer.

To receive the initial offer of 30,000 Avios points (“Initial Bonus”), (i) a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within the first 90 days of your Credit Card Account opening date (“Initial Period”), and (ii) your Credit Card must remain open and in good standing, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time. If you are not currently a member of The British Airways Club, you will be enrolled automatically once you are approved for the RBC British Airways Visa Infinite credit card. Please note that the address your British Airways Club account is registered under must match the one for your RBC British Airways Visa Infinite account at all times for the Avios to be posted to your British Airways Club account. The Initial Bonus will be awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Qualifying Transactions within the Initial Period.

To receive the additional 30,000 Avios points (“Additional Bonus”), (i) a separate amount totaling $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) must be posted to your Credit Card Account within 91 – 180 days of your Credit Card Account opening date (“Subsequent Period”), and (ii) your Credit Card must remain open and in good standing at the time the Additional Bonus are awarded to your British Airways Club account, approximately 15 weeks after the date you reach $5,000 in Subsequent Qualifying Transactions.

For greater certainty, you may qualify for the Additional Bonus notwithstanding not having qualified for the Initial Bonus and likewise, you may qualify for the Initial Bonus and not qualify for the Additional Bonus where the Qualifying Transaction Amount has not been reached.

Eligible transactions do not include cash advances (i.e. balance transfers, cash-like transactions and bill payments that are not pre-authorized merchant payments), interest or other charges. and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your RBC British Airways Visa Infinite credit card for another type of RBC Royal Bank credit card before the Initial Bonus and/or the Additional Bonus have been credited to your British Airways Club account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer unless otherwise set out. Royal Bank of Canada and British Airways reserve the right to modify, cancel or withdraw this offer at any time. British Airways, not Royal Bank of Canada, is responsible for this offer and The British Airways Club programme. For all British Airways Club Terms and Conditions, please visit ba.com/theclub.

Eligible members who spend a minimum of $30,000 CAD on qualifying purchases on their card in a calendar year (“calendar year” refers to the time period starting from January 1 and ending December 31) will receive a maximum of one Companion Voucher for that calendar year. See ba.com/rbc-visa for full terms and conditions. See ba.com/rbc-visa for full terms and conditions.

Annual Fee
  • Primary card $165
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.50 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Avios
  • Dining and Food delivery2Avios
  • All Spending1Avios
Value
  • Year 1 $1,093
  • Year 2+ $243
Best For
Transfer Partners
  • British Airways Club

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
31 day(s)
Travel medical insurance up to 64 years old
31 day(s)
Travel medical insurance 65+
7 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500

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