Credit Card Comparison

Earn 40,000 bonus Membership Rewards^® points

Earn a welcome bonus of 40,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.

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.

That’s $400 in statement credits that can be reinvested in your business.

FEATURES

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. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is 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.

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.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Business Gold Rewards Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.

Business Platinum Card® from American Express®

GCR Rebate
$150

Initial Rewards
150,000 bonus Membership Rewards® points

Credit Needed
Excellent

Earn 110,000 Membership Rewards® points after you charge $15,000 to your Card in your first 3 months of Cardmembership. Earn 40,000 points when you make a purchase between 14 and 17 months.

Select

Redefine what you’ll experience and discover with Platinum

Earn up to 150,000 bonus Membership Rewards^® points
Offer ends Jan 28, 2025.

Earn 110,000 Membership Rewards^® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership. Offer ends Jan 28, 2025.

Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Offer ends Jan 28, 2025.

That’s up to $1,500 in statement credit that can be reinvested in your business.

FEATURES

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.
Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and 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 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
Extend payment solutions with Supplementary Cards for your employees.

Enjoy special benefits for you and your business

Take full advantage of the American Express Global Lounge Collection^TM which unlocks access to over 1400 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.
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 complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
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.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express Business Platinum Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.

The Marriott Bonvoy® Business American Express®* Card

GCR Rebate
$75

Initial Rewards
60,000 Welcome Bonus Marriott Bonvoy® points

Credit Needed
Fair

Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you spend $5,000 on your Card in your first three months.

Select

Earn 60,000 Welcome Bonus Marriott Bonvoy^® points

Earn 60,000 Welcome Bonus Marriott Bonvoy^® points after you spend $5,000 on your Card
in your first three months of Cardmembership.

FEATURES

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

Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels
Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached
Earn 2 points for every $1 spent on everything else
Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

Leverage your cash flow with the option of carrying a balance or paying in full each month
Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn

Experience the exclusive benefits of the Marriott Bonvoy^® Business American Express^®* Card.

Receive an Annual Free Night Award automatically each year after your anniversary
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time Marriott Bonvoy™ Business American Express® Card
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.

American Express® Aeroplan®* Business Reserve Card

GCR Rebate
$125

Initial Rewards
Up to 90,000 Welcome Bonus Aeroplan®* points

Credit Needed
Excellent

Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*.

Select

Earn up to 90,000 Welcome Bonus Aeroplan^®* points

Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.

Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.

FEATURES

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

Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations^®*, 2 points for every $1 spent on eligible hotels and car rentals.
Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

Leverage your cash flow with the option of carrying a balance or paying in full each month.
Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.
Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight.
Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions.
Enjoy your first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight, together with up to eight companions travelling on the same reservation.
Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice.
If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services.
Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade.
Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card.
Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club.

• Do not browse or leave application page before it is completed.
• Please write down the reference (PCN) number American Express provides you after the application is completed. You need this number in case the rebate does not show up.
• Please click from GCR again if session expires.
• Must apply online.
• Cash Back Rebate will be paid upon card approval.
• Cash Back Rebate is for first time American Express® Aeroplan®* Business Reserve Cardmembers
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.

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