American Express Business Gold

The Amex Business Gold card earns Membership Rewards points and is available to small businesses and sole proprietors in Canada.

Learn how you can be approved for this business credit card as an individual.

Earning Rewards

The American Express Business Gold credit card earns Membership Rewards (MR) points for all purchases made on the card:

  • 1 Membership Rewards point for every dollar spent on eligible purchases.

The Business Gold card earns at a consistent rate of 1x Membership Reward point per dollar, regardless of the spend category. There are no bonus categories that result in an increased earning rate with this credit card.

Redeeming Rewards

The best use for Membership Rewards is to transfer them to a variety of airline and hotel partners for your next redemption:

  • Transferrable at 1:1 ratio: Aeroplan Points, British Airways Avios, Hilton Honors
  • Transferrable at 1:0.75 ratio: Alitalia MilleMiglia, Cathay Pacific Asia Miles, Delta Skymiles, Eithad Guest, Flying Blue
  • Transferrable at 1:1.2 ratio: Marriott Bonvoy

You can also redeem Membership Rewards for statement credit however this is not often a great way to get the most value out of your points.

Insurance Coverage

The American Express Business Gold card offers eight types of insurance coverage:

  • Travel accident insurance
  • Rental car theft and damage insurance
  • Lost or stolen baggage coverage
  • Baggage delay and flight delay coverage
  • Hotel burglar insurance
  • Purchase protection
  • Buyer assurance protection
  • Mobile device insurance

Refer to the American Express Business Gold insurance certificate for additional details, including terms and conditions for eligibility.

Other Membership Rewards Cards You Might Consider

Credit Card Welcome Bonus Net Value
American Express Business Platinum 120,000 Membership Rewards $2,141 Apply
American Express Business Edge 45,000 Membership Rewards $891 Apply

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