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Get the Business Cards that deliver more rewards. Your business could be earning rewards on purchases made at Canada Post.
Get the Business Cards that deliver more rewards. Your business could be earning rewards on purchases made at Canada Post.
Designed for Canada Post Solutions for Small Business™ members.
Perks for small business customers to enjoy. No matter what your day-to-day needs are,
Canada Post and American Express are here to bring you offers to help your business grow.

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American Express Business Gold Rewards Card

American Express® Business Gold Rewards Card

Earn 40,000 Welcome Bonus points¹

when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

That’s enough to redeem for a $400 statement credit to offset any eligible purchase charged to your Card.3

Plus receive a statement credit4 of $149 towards any eligible charges when you charge $1,500 in purchases to your Card in your first three months of Cardmembership!

Charge Card

An annual fee of $1495 (regularly $250*) which may be tax deductible6 Plus, receive an additional 3,000 membership rewards points annually upon renewal**.

RSVP Code: CPCBGR

Business Platinum Card  ❯

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Earn 75,000Welcome Bonus points²

when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.

That’s enough to redeem for a $750 statement credit to offset any eligible purchase, like Canada Post charged to your Card.3

Charge Card

$399 annual fee*, which may be tax deductable.6

RSVP Code: CPCBPLAT

❮  Business Gold Rewards Card

Earning Rewards

Type of Rewards

Membership Rewards® points

Membership Rewards® points

Earn Rate

Earn 1 point for every $1 in purchases charged to your Card.

Earn 1.25 points for virtually every $1 in purchases charged to your Card8.

Statement Credit

YES

-----

Redeeming Rewards

Use Points for Purchases3

YES

Charge any eligible purchase to your Card then log in to redeem your points for a statement credit.

YES

Charge any eligible purchase to your Card then log in to redeem your points for a statement credit.

Fixed Points Travel Program9

YES

Book flights to destinations around the world for a fixed number of points.

YES

Book flights to destinations around the world for a fixed number of points

Merchandise

YES

Use points for a wide range of gift cards and merchandise10, including products from top brands such as Apple®** and Bose®***.

YES

Business Platinum Cardmembers are automatically enrolled in the Membership Rewards First™ Tier, which contains an array of premium merchandise and memorable experiences.

Car Rental

Car Rental Theft and Damage Insurance11†

YES

Save money when travelling with the Car Rental Theft and Damage Insurance included on your American Express® Business Gold Rewards Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your American Express® Business Gold Rewards 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.

YES

Save money when travelling with the Car Rental Theft and Damage Insurance included on your American Express® Business Platinum Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your American Express® Business 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 company12†.

Flight & Baggage

Baggage Delay Insurance13†

YES, up to $500

Book a flight with your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.

YES, up to $1,000

Book a flight with your Business Platinum Card, and receive up to $1,000 coverage (aggregate maximum with Flight Delay Insurance) for all immediate daily reasonable and necessary emergency purchases, made within four days, for essential clothing and sundry items when your baggage on your outbound trip is delayed by six or more hours.

Flight Delay Insurance13†

YES, up to $500

Charge your airline ticket to your American Express Business Gold Rewards Card and receive up to $500 coverage (aggregate maximum with Baggage Delay Insurance) for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 48 hours when you are delayed or denied boarding for four hours or more and no alternate transportation is made available.

YES, up to $1,000

Charge your airline ticket to your Business Platinum Card, and receive up to $1,000 coverage (aggregate maximum with Baggage Delay Insurance) for all necessary and reasonable hotel, motel, restaurant expenses and sundry items purchased within 48 hours when you are delayed or denied boarding for four hours or more and no alternate transportation is made available.

Lost or Stolen Baggage Insurance13†

YES, up to $500

When you fully charge your airline tickets to your American Express Business Gold Rewards Card, you are covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined.

YES, up to $1,000

When you fully charge your airline tickets to your Business Platinum Card, you are covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $1,000 per trip for all insured person(s) combined.

Hotel

Hotel/Motel BurglaryInsurance13†

YES, up to $500

Charge your Hotel/Motel arrangements to your Business Gold Rewards Card and receive automatic coverage of up to $500 against the loss of most personal items (excluding cash) if your hotel/ motel is burglarized.

YES, up to $1,000

Charge your Hotel/Motel arrangements to your Business Platinum Card and receive automatic coverage of up to $1,000 against the loss of most personal items (excluding cash) if your hotel/ motel is burglarized.

Membership in Hotel Programs

YES

The Hotel Collection14 from American Express® Your American Express® Business Gold Rewards Card brings you fantastic benefits at more than 330 participating hotels and resorts in more than 40 different countries.

The Hotel Collection benefits include:
  • A $75 USD hotel credit to use on amenities such as dining, spa or other leisure facilities when charged to the room*
  • A one-category room upgrade at check-in, when available**

* Varies by property and facilities available
** One-category room upgrade is based on availability and eligibility at check-in

In order to take advantage of the benefits, you must book a minimum 2-night consecutive stay at a participating property online through American Express® Travel.

YES

Enjoy exceptional amenities around the globe through the following hotel programs:

The Hotel Collection14 from American Express® Your Business Platinum Card brings you fantastic benefits at more than 400 participating hotels and resorts in more than 40 different countries.

The Hotel Collection benefits include:
  • A $75 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
  • A one-category room upgrade at check-in, when available‡‡
In order to take advantage of the benefits, you must book two or more consecutive nights at a participating property through American Express® Travel online or Platinum Card Travel Service. Login with your Platinum Card at American Express Travel Online and search for your preferred destination, then look out for The Hotel Collection banner on participating properties in your search results.

‡ Varies by property and facilities available

‡‡ One-category room upgrade is based on availability and eligibility at check-in



Fine Hotels & Resorts Program.15 With a collection of over 900 hand-selected, iconic properties in top destinations across the global, Business Platinum members can enjoy benefits such as a complimentary breakfast for two, noon check-in (when available), 4:00pm late check-out, a room upgrade upon arrival (when available)*, in-room wi-fi**, and an additional benefit such as a complimentary food & beverage or spa credit***.

†*Certain room categories are not eligible for upgrade; call Platinum Card Travel Service for details.

†**Complimentary In-Room Wi-Fi is not available in all locations. See terms for details.21

†***Benefits vary by property; special amenities vary by property. Call Platinum Card Travel Service



Premium Hotel Program Membership Cardmembership opens doors to many of the world’s finest properties through exclusive Gold Preferred Membership in the Starwood Preferred Guest®** program.

The Starwood Preferred Guest® program16

Is your access to ten exciting hotel brands with more than 1,300 hotels and resorts in nearly 100 countries.

Participating Hotels:

Sheraton®, Westin®, WHotels®, Le Méridien®, The Luxury Collection®, St. Regis®, Tribute Portfolio, Four Points® by Sheraton, AloftSM and ElementSM

Starwood Gold Preferred Guest status benefits:
  • Room upgrade at check-in, subject to availability
  • Earn three Starpoints® per eligible U.S. dollar spent, a 50% bonus over Preferred status members
  • Late check-out on request and when available
  • Your choice of a welcome gift with each stay. Choose from bonus Starpoints, complimentary in-room internet access or a complimentary beverage
Enrollment is required.

Travel Assistance

Travel Emergency Assistance17

YES

Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week.

YES

Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week.

Travel Accident Insurance

YES, up to $100,000

Up to $100,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your American Express® Business Gold Rewards Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered19†.

YES, up to $500,000

Up to $500,000 of Accidental Death and Dismemberment Insurance covers you, your spouse and dependent children under the age of 23 when any of you travel on a common carrier (plane, train, bus or ship) and charge your tickets to your American Express® Business Platinum Card. Supplementary Cardmembers, their spouses and dependent children under age 23 are also covered18†.

Emergency Medical Insurance13† (Out of province/country)

-----

YES

Provides coverage for eligible emergency medical expenses incurred while traveling outside your Canadian province or territory of residence, for the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under the age of 65.

StandbyMDSM Travel Medical Concierge20

-----

YES

Reducing travelers' inconvenience of having to search for medical assistance by providing prompt access to 24/7 physician telephone consultations and arrangement of house call visits when travelling almost anywhere in the world and additional health care services in the U.S. and Markets of Operation, as defined in the Terms and Conditions of the Program.
For a complete list of StandbyMD's Markets of Operation, please visit http://standbymd.com/locations.html

Trip Interruption Insurance21†

-----

YES

When you fully charge your travel arrangements to your American Express® Business Platinum Card this coverage provides for the non-refundable unused portion of your prepaid travel arrangements, as well as transportation up to $1,500 per trip per insured person up to a maximum of $6,000 for all insured persons combined should your trip be interrupted or delayed for a covered reason.

Trip Cancellation Insurance22†

-----

YES

When you fully charge your travel arrangements to your American Express® Business Platinum Card this coverage provides for the reimbursement of the non-refundable pre-paid travel arrangements, up to $1,500 per insured person to a maximum coverage up to $3,000 for all insured persons combined, when you cancel a trip for a covered reason.

Lounges

Access to Airport Lounges Worldwide23

-----

YES

Enjoy access to over 850 airport lounges around the world through a wide range of partner lounge programs.

Concierge Service

Whenever and Wherever you need assistance

-----

YES

Wherever and whenever you need assistance, you can count on Business Platinum Concierge Service24

Business Coverage

Employee Card Misuse Protection25

YES

Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.

YES

Your Card may be covered for eligible unauthorized charges if you terminate the Supplementary Cardmember and cancel their Card within 2 business days. Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Cardmember in case employees misuse their employee Card for unauthorized charges.

Disability Plan for Small Business26†

YES

Your Company can benefit from coverage for the financial hardships caused by accidental permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.

YES

Your Company can benefit from coverage for the financial hardships caused by accidental permanent, total disability. If you, as a Sole proprietor, become permanently, totally disabled as a direct result of an accidental injury, you are eligible to receive up to $10,000 in benefits. Benefits increase with the length of Card membership. After two years, benefits increase to a maximum of $25,000. After six years, the maximum amount is $50,000.

Purchase Coverage

Purchase Protection® Plan27†

YES

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Gold Rewards Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.

YES

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Platinum Card. You can be reimbursed for insured occurrences that are not covered by any other insurance.

Buyer's Assurance® Protection Plan

YES

This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Business Gold Rewards Card. This applies to products purchased 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 in this coverage. You will need approval before any repairs will be covered. 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.28†

YES

This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Business Platinum Card. This applies to products purchased 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 in this coverage. You will need approval before any repairs will be covered. 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.29†

Why American Express for Business Owners
The power of a Business Charge Card

Dynamic Purchasing Power

Take advantage of purchasing power that grows with your business. 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.30

Maximize Business Cash Flow

With up to 55 interest-free days31, your business can have more time to pay for key purchases.

Supplementary Card Spending Program

A tool to help you manage and control the spending on your supplementary cards.

You can select a spending amount up to which a Supplementary Cardmember will be able to make charges to their supplementary card during each billing period.32

Terms apply.

Ultimate Flexibility in Reward Redemptions

Use points to offset eligible purchases charged to your Card3, book flights from Canada to destinations around the world at fixed points9, or redeem points for gift cards and merchandise10.

World Class Service

There is always someone local to speak with you, 24/7, about whatever you need – big or small.

Simplify Expense Management

Quarterly and annual reporting that makes record keeping, expense tracking and tax preparation easier.

American Express Invites™ Including Front Of The Line®

Advance and reserved ticket access to some of the hottest events across Canada.33

Terms & Conditions

Canada Post Solutions for Small Business is a trademark of Canada Post Corporation used with permission.

* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

** Subject to change without notice.

  1. To qualify for a Welcome Bonus of 40,000 points, you must have at least $5,000 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.
  2. To qualify for a Welcome Bonus of 75,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.
  3. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.
  4. To qualify for a statement credit, eligible American Express Business Gold Rewards Cardmembers must charge eligible purchase(s) to their American Express Business Gold Rewards Card within the first 3 months of Cardmembership. A statement credit will be earned only on full dollar amounts of each qualifying purchase (s) to a maximum of $149. Any purchase amount less than $1 will carry forward and be added to the next qualifying purchase up to the last day of the 3 month period or until the maximum of $149 has been reached, whichever comes first.
  5. Basic Card: $149. Supplementary Card: $50 each. Charged annually on or after the anniversary of the date Card was issued (regardless of Card activation date).
  6. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
  7. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit https://smallbusiness.americanexpress.com/ca/en/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile.
  8. Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
  9. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards points (‘points’) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers.

    Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.

    The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference: (i) cannot be used to cover taxes, fees or carrier surcharges; (ii) will not be credited to your Card account; and (iii) will not be applied to cover additional costs associated with changes or cancellations. The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.

    Example 1:
    A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).

    If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.

    Example 2:
    A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price). You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.

    If a transaction is eligible for participation in the American Express Installment Program and you also redeem points for that transaction, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance you can remove the transaction from the Installment Program. See Installment Program terms and conditions for details. American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid above, at any time.

    The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit membershiprewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
  10. Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call the number on the back of your Card.
  11. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express® Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
  12. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your Business American Express® Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
  13. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
  14. Valid only for new THE HOTEL COLLECTION bookings with participating providers of two or more consecutive nights made through americanexpress.ca/travel (online bookings currently only available to Basic Cardmembers). Payment must be made in full with an American Express Card in the Business Gold Rewards Cardmember’s name. The Business Gold Rewards Cardmember must travel on itinerary booked to be eligible for benefits described. ǂǂA one category room upgrade is based on availability and eligibility at check-in to the hotel. ǂThe Cardmember will receive the credit as a deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $75 USD. Eligible charges exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offers or programs unless indicated. Limit one credit per room, per stay. Three-room limit per Eligible Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits subject to change.
  15. Valid only for new FINE HOTELS & RESORTS (FH&R) bookings made through Platinum Card Travel Service or americanexpress.ca/travel (online bookings currently only available to Basic Platinum Cardmembers). Payment must be made with an American Express Card in the Canadian Business Platinum Cardmember’s name. Available for Canadian cardholders of The Business Platinum Card® from American Express. Business Platinum Cardmember must travel on the itinerary booked under FHR reservations to be eligible for benefits described. Limit of one (1) benefit package per room per stay. Benefit package can include Noon check-in, Room upgrade, Daily breakfast for two people, 4:00 pm late check-out, plus an additional special benefit. Noon check-in and room upgrade based on availability and provided at check-in. Certain room categories are not eligible for room upgrades. Call Platinum Card Travel Service for details. Breakfast varies by property but will be at minimum a continental breakfast. Additional special benefit varies by property, is subject to change, and cannot be redeemed for cash. FHR cannot be combined with other offers unless indicated. Benefit package expires at check-out. Business Platinum Cardmembers may book up to a maximum of three (3) rooms under the FHR Program per stay. Back-to-back stays within a 24-hour period at the same FHR property are considered one stay. In the event the Business Platinum Cardmember cancels the reservation(s), FHR rates and benefit package will no longer apply to any remaining reservation(s). Participating FINE HOTELS & RESORTS properties and benefits are subject to change. Complimentary In-Room Wi-Fi is provided, with the exception of explora Patagonia where In-Room Wi-Fi is not available. In this instance, complimentary Wi-Fi will be provided in a common space on property. In the case where a Property includes cost of Wi-Fi in a mandatory resort fee, the Card Member will receive a daily credit from the Property in the standard amount that the Property charges for Wi-Fi. The credit will be issued on the Card Member's final statement upon check-out8.
  16. Starwood Preferred Guest – Enrollment in the Starwood Preferred Guest program is required. Benefits are subject to change. Terms and conditions of the Starwood Preferred Guest program apply. Amenities may not be combinable with FINE HOTELS & RESORTS benefits at FHR member hotels. For complete terms and conditions of the Starwood Preferred Guest program visit www.spg.com. Gold status enrollment is valid as long as you are a Business Platinum Cardmember in good standing.
  17. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.
  18. Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Business Platinum Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135. 
  19. Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Business Gold Rewards Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
  20. Not an insurance coverage. Concierge services arranged through StandbyMD and may be subject to contractual terms and conditions of StandbyMD. Fees may apply. Please consult your StandbyMD Terms and Conditions for full details. StandbyMD is a Service Mark of Healthcare Concierge Services, Inc. All rights reserved.
  21. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.
  22. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip cancellation, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.
  23. Lounge access is subject to requirements, terms, conditions and restrictions of lounge providers. Enrollment may be required with certain providers, and lounge usage fees may apply.
  24. Upon authorization by the Business Platinum Card member, Concierge uses its best efforts to source or arrange the purchase of requested goods or services from a supplier. There is no charge for using the services of Concierge, however the Cardmember will be responsible for paying the supplier for any purchases and/or shipping charges you authorize, as well as any other fees or related costs that may apply. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Cardmember requests in all instances.
  25. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.
  26. Underwritten by AIG Insurance Company of Canada.
  27. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
  28. When you charge the full price on eligible purchases to your American Express® Business Gold Rewards Card the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
  29. When you charge the full price on eligible purchases to your American Express® Business Platinum Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
  30. No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.
  31. As a Charge Card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.
  32. The supplementary card spending program (the “program”) helps you control and manage the spending of your Supplementary cardmember(s) during each billing period. By enrolling in the Program, Basic Cardmember may select a spending amount up to which a Supplementary cardmember will be able to make charges to their Supplementary card during each billing period. This spending amount is not affected by payments or credits made by or on behalf of the Supplementary Cardmember during a billing period. The spending amount will automatically reset at the beginning of each new billing period. It is your responsibility to ensure each Supplementary Cardmember is made aware of any spending amount that applies to their account as well as the date on which the spending amount resets each month. You can select a different spending amount for each Supplementary Cardmember.
  33. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

TM, ®: Used by Amex Bank of Canada under license from American Express.

®**:  Apple is a trademark of Apple Inc., registered in the U.S. and other countries.

®***: Bose is a registered trademark of Bose Corporation.

SM: StandbyMD is a Service Mark of Healthcare Concierge Services Inc.

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