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Small Business Offer: Up To 110,000 Points With The American Express® Business Gold Rewards Card®!

To the point Here's the welcome offer for the American Express® Business Gold Rewards Card®, an excellent travel rewards Card for small businesses.
Milesopedia recommends this card from American Express Canada

Welcome offer

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.

Membership Rewards Value

110,000 Membership Rewards points are worth $1,100 if used on any purchase charged to your card. That’s 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 like Aeroplan, British Airways Executive Club, Flying Blue or Marriott Bonvoy!

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

Or I use my Membership Rewards points through the American Express Fixed Points Travel Program for specific North American destinations: you can get 2 cents per point (a $2,200 value for 110,000 points).

Austrian Classe Affaires B767-02

How to apply for an American Express Business Card

Everyday life benefits

A single earning rate for all purchases

With the American Express® Business Gold Rewards Card®, you earn 1 Membership Rewards point per dollar on all purchases.

Membership Rewards points can be transferred to:

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

A quarterly bonus of 10,000 points

With the American Express® Business Gold Rewards Card®, you earn a quarterly bonus of 10,000 Membership Rewards points. To do so, you’ll need to charge $20,000 in purchases to your American Express® Business Gold Rewards Card® during the calendar quarter.

These points are added to the ones you typically receive for your purchases. So if you charge $20,000 in purchases to your American Express® Business Gold Rewards Card® each quarter, here’s what you’ll get each year:

Quarter Purchases Points for purchases Bonus points Total
1 $20,000 20 000 10 000 30 000
2 $20,000 20 000 10 000 30 000
3 $20,000 20 000 10 000 30 000
4 $20,000 20 000 10 000 30 000
Total $80,000 80 000 40 000 120 000

120,000 Membership Rewards points for $80,000 in purchases, that’s 1.5 Membership Rewards points per dollar, more than you could get with the Business Platinum Card® from American Express (which awards 1.25 Membership Rewards points per dollar and has a $600 higher annual fee)!

So small businesses with this level of quarterly spending are well advised to opt for the American Express® Business Gold Rewards Card®. Especially since this quarterly bonus of 10,000 Membership Rewards points is valid not only in the first year but also in subsequent years!

The Business Platinum Card® from American Express will be more rewarding than the American Express® Business Gold Rewards Card® only if you spend more than $160,000 per year.

However, don’t forget that the Business Platinum Card® from American Express comes with other benefits (such as a $200 Annual Travel Credit or unlimited access to airport lounges).

Welcome bonus for the first year

With the American Express® Business Gold Rewards Card®, you earn a welcome bonus of 70,000 Membership Rewards points after $5,000 in Card purchases within the first three months.

Let’s see what happens when we add this to the quarterly bonus of 10,000 Membership Rewards points:

Quarter Purchases Points for purchases Bonus points Total
1 $20,000 20 000 80 000 100 000
2 $20,000 20 000 10 000 30 000
3 $20,000 20 000 10 000 30 000
4 $20,000 20 000 10 000 30 000
Total $80,000 80 000 40 000 190 000

190,000 Membership Rewards points for $80,000 in Card purchases – that’s 2 Membership Rewards points per dollar spent! No other small business card will offer you a similar return in the first year!

Purchase and travel insurance

Purchase and travel insurance on the American Express® Business Gold Rewards Card® are attractive, with high levels of reimbursement, whether for flight delays, baggage delays, assistance abroad, top-of-the-range car rentals and more.

Here is a summary of insurance coverages (this information is informational. Refer to the brochure supplied with your American Express® Business Gold Rewards Card®).

Insurance Coverage
Flight Delay Insurance Charge your airline ticket to your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 48 hours when you are delayed or denied boarding for four hours or more and no alternate transportation is made available.
Baggage Delay Insurance Book a flight with your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days,for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.
Lost or Stolen Baggage Insurance When you fully charge your airline tickets to your American Express Business Gold Rewards Card, you are covered for loss or damage to your checked-in or carry on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined.
Car Rental Theft and Damage Save money when travelling with complimentary Car Rental Theft and Damage Insurance. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to the American Express Business Gold Rewards 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 Burglary Insurance Automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel room is burglarized. Coverage is in effect as long as you have fully booked and paid for your accommodations with your American Express Business Gold Rewards Card.
Travel Accident
of $100,000
Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your Business Gold Rewards Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered.
Purchase Protection® Plan Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Gold Rewards Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.
Buyer’s Assurance® Protection Plan This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Business Gold Rewards Card. This applies to products purchased 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 in this coverage. You will need approval before any repairs will be covered. 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.
Mobile Device Insurance When you fully charge or finance the purchase price of an eligible mobile device to your Business Gold Rewards Card, you can be covered for up to $1,000 per insured person, in the event of theft, loss or accidental damage, anywhere in the world.
Milesopedia stock – agences location voiture

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 be depend on the destination
american express logo lounge 1

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. So 110,000 points = $2,200!

Using points against any expense

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

So 110,000 Membership Rewards points = $1,100!

Membership Rewards Transfer Partners

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

Partners Conversion rate
Aeroplan New Logo 110,000 Membership Rewards points
=
110,000 Aeroplan points
flying blue logo 110,000 Membership Rewards points
=
82,500 miles
in asia miles 110,000 Membership Rewards points
=
82,500 miles
british airways club 110,000 Membership Rewards points
=
110,000 Avios points
pg logo delta skymiles e1496111335578 110,000 Membership Rewards points
=
82,500 miles
etihad guest 110,000 Membership Rewards points
=
82,500 miles
hilton honors e1488115875520 110,000 Membership Rewards points
=
110,000 Hilton Honors points
marriott bonvoy logo 110,000 Membership Rewards points
=
132,000 Marriott Bonvoy points

Bottom Line

It’s a great card for small business owners who spend more than $20,000 per quarter, as the quarterly bonus of 10,000 points mathematically increases your return on every purchase.

What’s more, it’s worth adding a welcome bonus of 70,000 points (transferable to loyalty programs like Aeroplan) after just $5,000 in purchases in 3 months. A rarity these days!

Apply now for the American Express® Business Gold Rewards Card® to get this exceptional welcome offer!

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Jean-Maximilien
Jean-Maximilien is an expert in Canada and France about Loyalty programs, Credit cards and Travel. He is the Founding President of Milesopedia.

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