To the point
Earn up to 120,000 points with this offer for the American Express Business Platinum Card, the best travel points card for SMEs.
Business Platinum Card® from American Express
Up to 120,000 Membership Rewards
Welcome Offer
Earn up to 120,000 points with this welcome offer for the Business Platinum Cardᴹᴰ from American Express :
- 80,000 Membership Rewards points for net purchases of $15,000 within the first 3 months of membership
- 40,000 points when you make a purchase between 14 and 17 months of Cardmembership
You can use your Membership Rewards points in many ways:
- Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), 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!
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
- 90,000 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 & unlimited access for you and one additional traveller to over 1,400 airport lounges in more than 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.
Membership Rewards Value
120,000 Membership Rewards points have a $1,200 value if used towards 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 such as 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:
- 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 withdraw 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).
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, British Airways Executive 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.
Annual Dell Credit of up to $200
With your Business Platinum Card® from American Express, you can earn $100 in 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)!
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 | Complimentary and unlimited access for the cardmember AND one guest 1,400 airport lounges worldwide |
| Swissport Executive lounges | Complimentary access for the cardmember and their spouse & 2 children under 21 on presentation of the platinum card Ex: Banque Nationale lounge at Montreal, Aspire in Amsterdam, Gatwick… |
| V.I.P lounge at the International Airport Jean-Lesage in Quebec |
Free access for the cardmember and one travelling companion & 2 children under 18 on presentation of the Platinum card. |
| Plaza Premium lounges | Complimentary access for the cardmember and their spouse on presentation of Platinum card Ex: Numerous Plaza Premium lounges at Montreal (Air France), Toronto, Vancouver, Edmonton, Winnipeg… |
| Delta Sky Club | Complimentary access for cardmembers on presentation of their Platinum card & Delta Airlines ticket. |
| Airspace lounges | Complimentary access for the cardmember and their spouse & 2 children under 21 or 2 travelling companions on presentation of the Platinum cardSan Diego and Cleveland airports |
| Escape Lounges | Complimentary access for the cardmember & 2 travel companions on presentation of Platinum card Oakland and Minneapolis airports… |
| Centurion lounge | Complimentary access for the cardmember & 2 travel companions on presentation of the Platinum card Miami, Las Vegas, La Guardia, San Francisco, Hong Kong airports… |
| International Lounges American Express |
Free access for the cardmember |
For example, you can enjoy free access to the Air France Lounge or the National Bank Lounge at Montreal-Trudeau International Airport.
NEXUS credit of up to $100
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.
$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 | Complimentary breakfast or restaurant credit Room upgrade Late checkout until 2pm 10 points for every US dollar in qualifying 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
Premium Travel Insurance
Travel insurance from the Business Platinum Card® from American Express are 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 departure point, 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 an eligible 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 | When you book your flight with the Platinum Card, you can receive up to $1,000 (maximum in combination with Flight Delay Insurance) for any necessary and reasonable everyday purchases of essential clothing and sundries that you make within four days, if your baggage is not returned to you within six hours of arriving at your departure flight 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. |
| Purchase 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. |
| Buyer’s Assurance® Protection Plan | The Purchase Protection Guarantee 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. |
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 Against 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 Membership Rewards points = 120,000 Aeroplan points |
 |
120,000 Membership Rewards points = 90,000 miles |
 |
120,000 Membership Rewards points = 90,000 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!
