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The American Express business credit cards offer much more than just a payment method. They allow you to manage your expenses, protect your business, and earn Membership Rewards points. Whether you are self-employed, an SME owner, or a manager of a large organization, these cards offer tangible benefits: rewards, insurance, tracking tools, and payment flexibility. This article details the benefits of Amex business cards and guides you in choosing the most suitable card.
The American Express business credit cards are for various types of entrepreneurs; they are not exclusively reserved for large organizations.
In short, Amex business cards are suitable for any organization that wants to optimize its expenses, earn rewards, and have tools adapted to its development.
To choose the best card for your business, consider:
These criteria help you maximize the value of your rewards and manage business expenses.
The benefits of Amex Business Cards are numerous, including advantages for frequent travelers and online offers.
American Express offers several business cards tailored for self-employed individuals, SMEs, and professionals. To choose wisely, you must first understand the different types available.
A charge card is a card that must be paid in full each month. Its advantage is having no pre-set spending limit. Moreover, these cards allow you to maximize the cash flow over 55 days, which is convenient.
An Amex business credit card allows you to carry a balance from one month to the next with interest (which is generally not recommended). It has a predefined credit limit, adjustable according to your needs. If American Express offers a limit increase, it will not affect your credit file.
Tip: For small businesses with many monthly transactions, an Amex business charge card is recommended. If you are a self-employed individual or professional with few monthly transactions, an Amex business credit card is more suitable.
The Amex business cards allow you to earn Membership Rewards points with every purchase. Depending on the card, you get up to 1.25 points per dollar spent, and sometimes more for certain categories.
How to use your points:
Some cards offer welcome bonuses to quickly start earning points. This flexibility maximizes the value of your rewards for travel, hotels, and business purchases.
With an Amex business card, you can better manage your cash flow thanks to an interest-free period on your purchases.
You generally benefit from 28 to 31 interest-free days after your statement closing date, depending on the length of the month and your purchase dates. This period may vary slightly depending on when you make your transactions.
If you pay your entire bill each month, including purchases, advances, and fees, you will not have to pay any interest. By optimizing your payments in this way, you can enjoy a period of up to 55 interest-free days for purchases made at the beginning of the cycle.
Some American Express business cards offer benefits for frequent travelers:
For example, the American ExpressMD Business Platinum Card gives you or your employees ($250 per additional card) access to the American Express Global Lounge Collection, comprising over 1,400 airport lounges worldwide, including:
The benefits of Amex business cards go beyond rewards.
Management tools:
Insurance :
These benefits help to secure your operations, optimize your expenses, and maximize your rewards.
The Amex business cards regularly offer promotions to help businesses maximize their rewards:
These promotions evolve regularly, so it is recommended to check your app or your Amex Canada account.
The American Express business cards regularly offer welcome offers for new customers. Here are the current offers:
Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:
You can use your Membership Rewards points in many ways:
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 :
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:
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.
Earn up to 40,000 Membership Rewards points* with the American Expressᴹᴰ Gold Rewards Card:
With this Card, you earn 1 Membership Rewards point per dollar on your purchases.
You can then use your points in many ways:
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:
Alternatively, 80,000 Membership Rewards points can be redeemed for $800 worth of travel or any other Card purchase.
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.
With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 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 benefit from 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.
The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.
With this welcome offer, earn up to 60,000 Marriott Bonvoy points:
It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :
And 2 points per dollar on all other purchases.
The Amex business credit cards combine generous rewards, financial flexibility, and management tools. Whether your priority is to earn points for travel, to optimize your cash flow, or to simplify accounting, an Amex business card can become a strategic asset. Before choosing, evaluate your needs and compare the available offers. The benefits of Amex business cards can truly support your growth and simplify your daily management.
They offer rewards, payment flexibility, insurance coverage, and expense tracking tools.
Yes. Amex business cards are for self-employed individuals, SMEs, and large organizations.
Depending on the card, you earn Membership Rewards points, credits to offset your expenses, or transfers to partner programs.
The Amex business card separates business expenses and offers benefits tailored to business needs.
Yes, they cover travel, purchases, rental vehicles, and accidents related to professional activities.
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