SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express

Q: What is the welcome bonus on the Business Platinum Card from American Express?

The current SME offer on the Business Platinum Card® from American Express totals up to 120,000 Membership Rewards points, split into two tiers:- 80,000 points after spending $15,000 in net purchases within the first 3 months; - 40,000 additional points after making a purchase between months 15 and 17 of cardmembership; At the minimum value of 1 cent per point against the statement, that’s worth at least $1,200 in credit, but the points typically deliver more value when transferred 1:1 to Aeroplan, Marriott Bonvoy or other partners.

Q: How many Membership Rewards points do I earn on each purchase?

The Business Platinum Card® from American Express earns a flat 1.25 Membership Rewards points per dollar on every eligible purchase, with no category bonuses to manage. Combined with the welcome bonus, a business spending $15,000 over the first three months earns roughly 18,750 points from regular spend plus the 80,000 bonus, for nearly 99,000 points before the second tier even unlocks. Points are flexible and can be redeemed for statement credit, travel through American Express Travel, or transferred 1:1 to airline and hotel programs like Marriott Bonvoy.

Credit Cards SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express

To the point Get up to 120,000 points with this offer for the Business Platinum Card from American Express, the best business travel rewards card for SMEs.

Milesopedia recommends this card from American Express Canada

Business Platinum Card^® from American Express

Up to 120,000 Membership Rewards

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Business Platinum Card^® from American Express

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.

Value of Membership Rewards Points

120,000 Membership Rewards points are worth $1,200 if redeemed against any purchase charged to your card, for a value of 1 cent per point.

But in our opinion, the value can be much greater by transferring your points to partner loyalty programs such as Aeroplan, The British Airways Club, Flying Blue or Marriott Bonvoy!

Personally, I use my Membership Rewards points by transferring them to Aeroplan to book flights:

In business class: here the return I get is at least 4 cents per point (so a value of $4,800 for 120,000 points).
For multi-destination flights in North America: here, I often get at least 2 to 3 cents per point (i.e. a value of $2,400 to $3,600 for 120,000 points).

Or I use my Membership Rewards points via the American Express fixed-point travel program for certain North American destinations: the return is 2 cents per point (a value of $2,400 for 120,000 points).

Review: Singapore Airlines A350 | Business Class | JNB-SIN - Singapore Airlines A350 Business Class 09

Everyday Life Benefits

A Single Earning Rate for All Purchases

With the Business Platinum Card^® from American Express, you earn 1.25 Membership Rewards points per dollar on all purchases.

Membership Rewards points can be transferred to:

airline programs such as Aeroplan, The British Airways Club, Delta Skymiles or Flying Blue
Hotel programs such as Marriott Bonvoy and Hilton Honors.

Annual Wireless Credit of up to $120

With your Business Platinum Card^® from American Express, you can earn $10 in monthly credit on mobile plan payments, up to a maximum of $120. Read this article to find out how to use the $120 Annual Wireless Credit.

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Annual Dell Credit of up to $200

With your Business Platinum Card^® from American Express, you can earn $100 in statement credit every six months for purchases made on Dell’s website. That means you could earn up to $200 in Dell credit annually!

Here’s an example of a purchase made just before December 31st that earned the $100 semi-annual credit. From January 1 to June 30, you can get a new $100 credit, and so on!

A Metal Card

A premium card… means a metal card!

The Business Platinum Card^® from American Express is one of the only cards in Canada to be made of metal, which reinforces the Premium (and different) side of the Business Platinum Card^® from American Express from their competitors.

And this card is really beautiful, with only your name on the front: all the other information is on the back (although your wallet will weigh a little more)!

Milesopedia Special Offers for American Express small business Cards - Business Platinum Card<sup data-lazy-src=

Benefits for Your Travels

Access to Airport Lounges

Cardmembers of the American Express Business Platinum Card^® have access to the worldwide collection of American Express lounges.

Here are the conditions of access for each type of lounge:

Lounges	Details
Priority Pass	Free, unlimited access for the holder AND a guest 1,400 airport lounges worldwide
Swissport Executive Lounges	Free access for the holder and their spouse &2 children under 21 on presentation of the Platinum Card Ex: National Bank Lounge in Montreal, Aspire in Amsterdam, Gatwick…
V.I.P Lounge at the Quebec Jean-Lesage International Airport	Free access for the cardholder and one travelling companion &2 children under 18 on presentation of the Platinum Card.
Plaza Premium Lounges	Free access for cardholder and spouse on presentation of the Platinum Card Ex: Numerous Plaza Premium lounges in Montreal (Air France), Toronto, Vancouver, Edmonton, Winnipeg…
Delta Sky Club	Free access for cardholders on presentation of their Platinum card & Delta Airline ticket.
Airspace Lounges	Free access for the holder and their spouse &2 children under 21 or 2 travelling companions on presentation of the Platinum card San Diego and Cleveland airports
Escape Lounges	Free access for cardholder & 2 travel companions on presentation of Platinum card Oakland and Minneapolis airports…
The Centurion Lounge	Free access for the holder & 2 travel companions on presentation of the Platinum card Airports of Miami, Las Vegas, La Guardia, San Francisco, Hong Kong…
International Lounges American Express	Free access for the cardholder

SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express - american express lounge collection

For example, you can enjoy free access to the Air France Lounge or the National Bank Lounge at Montreal-Trudeau International Airport.

American Express Small Business Platinum: Save $120 Per Year With the Annual Wireless Credit - Amex Platine PME Salon Air France

Up to $100 NEXUS Credit

The Business Platinum Card^® from American Express comes with another benefit for travellers: a $100 Statement credit for a NEXUS membership.

You just have to charge your NEXUS membership (every 4 years) onto your Business Platinum Card^® from American Express to get this credit.

SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express - Nexus Statement Credit

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$200 Annual Travel Credit

American Express Canada offers an Annual Travel Credit of $200 for travel booked through the American Express Travel site with the Business Platinum Card^® from American Express.

This may be:

A flight
A hotel
A car rental
A travel package

This credit is renewed each year based on Cardmembership anniversary date.

Status in Hotel Programs

The Business Platinum Card^® from American Express also offers status with Marriott Bonvoy, entitling you to a number of benefits:

Program	Status	Main benefits
Marriott Bonvoy	Elite Gold	Room upgrade Late checkout until 2pm 10 points for every U.S. dollar in eligible purchases & 25% more points than base level members Free premium Internet access
Hilton Honors	Gold	Free breakfast or restaurant credit Room upgrade Late checkout until 2pm 10 points for every US dollar in eligible purchases & 80% more points than base level members

The Fine Hotels and Resorts Program

Holders of the Business Platinum Card^® from American Express have access to the Fine Hotels & Resorts program, which offers a range of valuable benefits at high-end hotels such as:

Complimentary Breakfast
Room upgrade
4 p.m.guaranteed late departure
$100 credit for a service depending on the hotel

SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express - Marriott Bonvoy Cosmopolitan of Las Vegas Autograph Collection featured

Premium Travel Insurance

Travel insurance from the Business Platinum Card^® from American Express is particularly advantageous, with very high levels of reimbursement, whether for flight delays, baggage delays, assistance abroad, premium car rentals…

Here is a summary of insurance coverages (this information is informational. Please refer to the brochure supplied with your Business Platinum Card^® from American Express).

Insurance	Coverage
Emergency medical expenses (out of province or country)	This coverage pays for eligible emergency medical expenses incurred outside your province or territory of residence in Canada, during the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under age 65.
Trip Cancellation	When you charge your entire travel arrangements to your Platinum Card, this coverage reimburses you for the non-refundable, non-transferable portion of your prepaid travel expenses, up to a maximum of $2,500 per insured person ($5,000 for all insured persons combined), if you have to cancel a trip due to a qualifying event.
Trip Interruption	When you charge your entire travel arrangements to your Platinum Card, this protection covers the unused, non-refundable and non-transferable portion of your prepaid travel arrangements, excluding the cost of unused prepaid transportation back to your point of departure, up to a maximum of $2,500 per insured person per trip ($6,000 maximum for all insured persons combined), if your trip is interrupted or delayed due to a qualifying event.
Flight delay	Charge your airline tickets to your Platinum Card and receive up to $1,000 (maximum in combination with Mishandled Baggage Insurance) for all necessary and reasonable hotel, motel or restaurant charges incurred within 48 hours if your flight is delayed or you are denied boarding for more than four hours without alternate transportation.
Misdirected baggage	If you have booked your flight with the Platinum Card, you can receive up to $1,000 (maximum in combination with Flight Delay Insurance) for any reasonable and customary purchase of essential clothing and sundry items made within four days, if your baggage is not returned to you within six hours of your departure flight’s arrival at your destination.
Loss or theft of baggage	If you charge the full cost of your airline tickets to your Platinum Card, you are covered for loss or damage to your personal effects, carry-on baggage or checked baggage while in transit, up to a combined maximum of $1,000 per trip.
Car Rental Theft and Damage	Save when you travel with flight and damage insurance for rental cars included with your Platinum card. Where permitted by law, you will automatically be insured against damage or theft of your rental car with a maximum MSRP of up to $85,000. To take advantage of this benefit, you must decline loss/damage coverage or any other similar option offered by the rental company, and charge the entire rental to your Platinum 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	Automatic coverage of up to $1,000 for the loss of most personal belongings, excluding cash, if your hotel or motel room is burglarized. when you fully charge your accommodations to your Card.
$500,000 Travel Accident Insurance	You’re covered for up to $500,000 in the event of accidental death or dismemberment for you, your spouse and dependent children under the age of 23 when you travel on a common carrier (plane, train, boat or bus) and charge the full cost of your tickets to your Platinum Card. Supplementary Cardholders, their spouses and dependent children under 23 are also covered.
Buyer’s Assurance Protection Plan	Eligible items are automatically insured against direct physical damage and theft up to $1,000 per occurrence (not per item purchased) for 120 days from the date of purchase when purchased with your Platinum Card. No registration required. You may be reimbursed for eligible events not covered by any other insurance.
Purchase Protection Plan	The Purchase Protection Plan automatically doubles the duration of the original manufacturer’s warranty, up to a maximum of one additional year, if you pay for your purchase in full with your Platinum Card. This protection applies to items paid for with the Card anywhere in the world, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. Jewelry, motorized vehicles, and their parts are excluded from this coverage. Before having an item repaired, you must obtain authorization. Replacement and repair costs are limited to $10,000 per eligible item up to a maximum of $25,000 per Cardmember per policy year for all occurrences combined.

SME Offer: Up to 120,000 Points with the Business Platinum Card from American Express - american express centurion lounge hong kong 17

A Membership Rewards Card

Redeeming Points to Book Flights With American Express

American Express has two charts:

Flexible points: here you use your points at a value of 1,000 Membership Rewards points = $10
Fixed Points: the fare will depend on the destination

And this is how we will be able to get the most value out of our Membership Rewards points!

Up to 1,000 Membership Rewards points = $20. That’s 120,000 points = $2,400!

Using Points Towards Any Expense

Another way to use Membership Rewards points: by applying them to your purchases. The rate is 1,000 Membership Rewards points = $10.

That’s 120,000 Membership Rewards points = $1,200!

Membership Rewards Transfer Partners

Here are all the transfer partners for American Express Membership Rewards program:

Partners	Conversion rates
	120,000 privilege points = 120,000 points Aeroplan
	120,000 Membership Rewards points = 90,000 Flyng Blue miles
	120,000 Membership Rewards points = 90,000 Asia Miles
	120,000 Membership Rewards points = 120,000 Avios
	120,000 Membership Rewards points = 90,000 miles
	120,000 Membership Rewards points = 90,000 miles
	120,000 Membership Rewards points = 120,000 Hilton Honors points
	120,000 Membership Rewards points = 144,000 Marriott Bonvoy points

How to Apply for an American Express Business Card

Here are the only two criteria required by American Express to apply for the Business Platinum Card^® from American Express:

You are a Canadian resident with a credit file in Canada
You have reached the age of majority in your province or territory of residence

There are no income requirements (American Express Cards do not require a minimum income), and you don’t have to provide proof of your company’s incorporation. This can come in handy for entrepreneurs or start-ups.

Check out these articles to help you:

Bottom Line

It’s a Card I’ve had as an entrepreneur since early 2019. This includes unlimited access to the lounges for me and one other person travelling with me:

Priority Pass
Plaza Premium Lounges
The Centurion Lounge
Delta Sky Club (when travelling with Delta Airlines)

And it’s on this card that I spend most of my out of category expenses: 1.25 Membership Rewards points per dollar, which I then transfer to the Aeroplan or Flying Blue programs!

Frequently Asked Questions about the Business Platinum Card from American Express SME Offer

Here are frequently asked questions in the milesopedia community about this card.

What is the welcome bonus on the Business Platinum Card from American Express?

The current SME offer on the Business Platinum Card^® from American Express totals up to 120,000 Membership Rewards points, split into two tiers:

80,000 points after spending $15,000 in net purchases within the first 3 months
40,000 additional points after making a purchase between months 15 and 17 of cardmembership

At the minimum value of 1 cent per point against the statement, that’s worth at least $1,200 in credit, but the points typically deliver more value when transferred 1:1 to Aeroplan, Marriott Bonvoy or other partners.

How many Membership Rewards points do I earn on each purchase?

The Business Platinum Card^® from American Express earns a flat 1.25 Membership Rewards points per dollar on every eligible purchase, with no category bonuses to manage. Combined with the welcome bonus, a business spending $15,000 over the first three months earns roughly 18,750 points from regular spend plus the 80,000 bonus, for nearly 99,000 points before the second tier even unlocks. Points are flexible and can be redeemed for statement credit, travel through American Express Travel, or transferred 1:1 to airline and hotel programs like Marriott Bonvoy.

What lounge access and travel credits come with the card?

The card includes some of the strongest travel benefits of any Canadian business card:

Complimentary unlimited access to 1,400+ airport lounges in 130+ countries (Priority Pass, Centurion, Plaza Premium and more) for the cardholder plus one guest
$200 annual travel credit applied automatically to eligible bookings
$100 statement credit for NEXUS membership (every 4 years)
Up to $120 in annual wireless credits and up to $200 in Dell credits
Marriott Bonvoy Gold Elite and Hilton Honors Gold status

Is the Business Platinum Card from American Express worth the annual fee for a small business?

For a Canadian small business that spends at least $15,000 over three months and uses lounges, the math works in your favour. The $200 travel credit, $120 wireless credit and $200 Dell credit alone offset over $500 of the fee every year, before counting lounge access and 120,000 points worth at least $1,200. The card also includes $500,000 in travel accident insurance, car rental theft and damage coverage up to $85,000 MSRP, and up to $1,000 for flight delays. It’s less suited to a business spending under $25,000 a year.

Come to discuss that topic in our Facebook Group!

Marie-Ève Leclerc

Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.

All posts by Marie-Ève Leclerc