The American Express Business Platinum card is a premium card that offers benefits including a $200 travel credit, airport lounge access, a $100 NEXUS membership credit, and more.
In 2025, we selected this card to receive the award Best Small Business Travel Card.
Check out our American Express Business Platinum card review for more details.
Earning American Express Membership Rewards
The American Express Business Platinum card earns Membership Rewards points for all eligible purchases made on the card:
- 1.25 Membership Rewards points per dollar spent on any purchase.
Redeeming American Express Membership Rewards
American Express Membership Rewards points are a flexible and transferable points currency. The best use for them is to transfer them to an airline or hotel loyalty program partner for your next flight or hotel redemption if you want to maximize their value while saving on travel.
Membership Rewards frequent flyer and hotel loyalty program transfer partners include:
- Air Canada Aeroplan at a 1:1 ratio
- British Airways Avios at a 1:1 ratio
- Cathay Pacific Asia Miles at a 1:0.75 ratio
- Air France/KLM Flying Blue at a 1:0.75 ratio
- Delta SkyMiles at a 1:0.75 ratio
- Etihad Guest at a 1:0.75 ratio
- Hilton Honors at a 1:1 ratio
- Marriott Bonvoy at a 1:1.2 ratio
Learn more about Membership Rewards transfer partners with our Ultimate Guide to American Express Canada Transfer Partners.
Membership Rewards can also be redeemed toward travel purchases at a rate of 1 cent per point, plus they can be used for gift cards and merchandise. It is highly recommended to not use your points for these redemption options, as you will receive much higher value from transferring to a frequent flyer or hotel loyalty program.
Benefits
$200 Travel Credit
American Express Business Platinum cardholders receive a $200 annual travel credit upon approval, and every cardholder anniversary year thereafter. This credit can be applied towards a single travel booking of greater than $200 CAD made through the American Express Travel online booking platform and can be used for bookings that include flights, hotels, and more.
$200 Dell Credit
American Express Business Platinum cardholders can receive up to $200 in annual Dell credits, which are distributed as a $100 credit semi-annually (meaning a new $100 credit can be earned in January and July).
$300 Indeed Credit
Cardholders will receive up to $300 in annual Indeed credits, which are distributed as a $75 credit quarterly (meaning a new $75 credit can be earned in January, April, July, and October).
$120 Wireless Credit
American Express Business Platinum cardholders can also enroll and receive up to $120 in wireless credits per year, split out as a $10 per month credit to be used towards phone bills or other wireless qualifying purchases.
$100 NEXUS Credit
Cardholders can also access a $100 credit for NEXUS membership every 4 years and this credit will cover a large portion of a NEXUS application or renewal fee. NEXUS membership is well worth adding to your wallet if you value saving time at airports, as you will access quicker security screening and customs lines as a NEXUS member.
Hotel Loyalty Program Elite Status
American Express Business Platinum cardholders will receive an automatic upgrade to Marriott Bonvoy Gold Elite status and Hilton Honors Gold status. This means that you can take advantage of the complimentary Hilton Honors breakfast benefit when staying at eligible hotels in the Hilton Honors portfolio in the future.
Airport Lounge Access
The American Express Business Platinum card grants the cardholder free access to over 1,400 airport lounges through the American Express Global Lounge Collection. Cardholders will often be permitted to bring guests with them but they should check the access rules for the lounge they want to visit before their vacation.
This benefit includes complimentary access to American Express Centurion lounges for the cardholder and two guests.
American Express Fine Hotels & Resorts
As a cardholder, you will gain access to the American Express Fine Hotels & Resorts booking platform. When staying at a hotel that was booked through Fine Hotels & Resorts, guests will receive perks such as breakfast for two, early check-in (where possible), late check-out, room upgrades, and an additional benefit such as a property credit to be used on any purchase that can be charged to the room.
American Express Hotel Collection
Business Platinum cardholders will also gain access to the American Express Hotel Collection booking platform. If you book a stay at a property on this platform for two consecutive nights or more, you will receive up to a $100 USD hotel credit, a one-category room upgrade at check-in, 12 pm early check-in, and late check-out (all benefits except the hotel credit are marketed as when available).
Gold Plus Hertz Rentals Status
American Express Business Platinum cardholders will automatically receive Gold Plus status with Hertz Rentals. This can result in lower rates and complimentary upgraded vehicles at the rental counter.
Toronto Pearson International Airport Benefits
If you are located in Toronto or tend to fly through Toronto Pearson International Airport often, the American Express Platinum card offers three benefits to cardholders which include priority security screening, complimentary valet service at terminal 1, and a 15% discount on Express Park and Daily Park parkades. Learn more about these benefits here.
High Referral Bonus
The American Express Business Platinum card also has one of the best credit card referral bonuses in Canada as the cardholder can earn 20,000 Membership Rewards points per referral to other eligible American Express Canada cards.
Insurance Coverage
The American Express Business Platinum card offers several types of insurance coverage as a benefit for holding the card, with many of them having a travel focus:
- Emergency medical insurance: $5,000,000 for an insured person under 65 for the first 15 consecutive days of out-of-province travel
- Trip cancellation insurance: $1,500 per person, up to $3,000 for insured persons on the same trip
- Trip interruption insurance: $1,500 per person, up to $6,000 for insured persons on the same trip
- Travel accident coverage: $500,000 of accidental death and dismemberment coverage
- Rental car theft and damage insurance: Comprehensive coverage for cars up to $85,000 MSRP
- Lost or stolen baggage insurance: $1,000 total coverage for all insured persons
- Flight delay insurance: $1,000 total coverage for reasonable purchases within 48 hours when delayed or denied boarding for 4 hours or more (combined maximum with baggage delay insurance)
- Baggage delay insurance: $1,000 total coverage for essential purchases within four days of arrival when baggage is delayed for 6 hours or more (combined maximum with flight delay insurance)
- Hotel burglary insurance: $1,000 total coverage for stolen items (excluding cash)
- Purchase protection: $1,000 coverage for accidental physical damage or theft for 90 days from the date of purchase
- Mobile device insurance: $1,500 coverage for theft, loss, or accidental damage to your mobile device
- Buyer’s assurance protection plan: Extend the manufacturer’s original warranty up to one additional year
Refer to the American Express Business Platinum certificate of insurance for additional details, including terms and conditions for eligibility.
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Thanks for the great info on this card (Amex bus Platinum). Can you tell me which business cards I can refer friends to so that I would receive the 20k bonus? I had heard that it was any Amex business card but the Customer service agent told me it was just the business platinum. Any workarounds to get the 20k bonus for business gold or business edge referrals?
Thank you.
Shelley
Hi Shelley,
If you visit a referral link for the American Express Business Platinum card, by default, you will see a landing page for the Business Platinum card. If you click on “View our other cards” in the top left on that page, you will see three additional cards: the Business Edge, Business Gold, and Personal Platinum cards.
Those three cards are also eligible for the 20,000 Membership Rewards referral bonus. Hope that helps!