Business Platinum Card from American Express

Annual fee

$799

Welcome offer

Up to 120,000 points

Market

Canada · CAD

Biggest part of the offer: Spend $15,000 in your first 3 months.

See full terms at Amex

What it's worth before you spend

Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.

Year 1

$1,061

+$800 welcome bonus
+$1,060 yearly credits
−$799 fee

Year 2

$661

+$400 welcome bonus
+$1,060 yearly credits
−$799 fee

Every year after

$261

+$1,060 yearly credits
−$799 fee

Plus 22 benefits with no fixed dollar value, like NEXUS Statement Credit, Airport Lounge Access and Fine Hotels + Resorts. Their worth depends on how you use the card, so they're not counted above. See them all

Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.

Welcome offer

Offer may end without notice. If you have or have had any American Express small business card, Amex may still approve you, but you won't get the offer.

120,000 points: worth $1,200 at 1¢ a point, or up to $2,640 on travel (2.2¢ a point). How that works

1Spend $15,000 in your first 3 months80,000 pts≈ $800 est.Year 1
2Make a purchase in months 15 to 1740,000 pts≈ $400 est.Year 2

Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.

What it earns

Valued at 1¢ per point. Amex Membership Rewards points can be worth more on travel. How that works

Where you spend	Earns	Back per $1 (est.)
Everything else	1.25 pts per $	1.25¢

What else you get

Statement credits · 6

Indeed Statement Credit$75/quarter
Statement credits on purchases at ca.indeed.com, up to $75 every 3 months
up to $300/yrEnroll first
Instacart Monthly Credit$20/mo
Two $10 credits a month for two separate $10+ Instacart.ca orders, up to $240 a year
up to $240/yrEnroll first
Annual Travel Credit$200/yr
One booking of $200+ through American Express Travel Online each year of Cardmembership
Dell Statement Credit$100 twice a year
Statement credits on purchases at dell.com/en-ca, up to $100 every 6 months (January–June, July–December)
up to $200/yrEnroll first

Show all 6

Wireless Credit$10/mo
$10 back each month you spend $10+ with an eligible Canadian wireless carrier, up to $120 a year
up to $120/yrEnroll first
NEXUS Statement Credit$100
Up to $100 back on NEXUS application or renewal fees charged to the Card
Worth about US$120 per application · CBSA's price, 5-year membership; non-refundable, checked Oct 2026
Every few years

Perks

Airport Lounge Access
1,550+ lounges in 140 countries incl. Centurion, Plaza Premium and Priority Pass
Enroll first
Fine Hotels + Resorts
1,600+ hotels booked via Amex Travel: daily breakfast for two, room upgrade, noon check-in, 4 pm checkout
Every booking
The Hotel Collection Perks
700+ hotels booked via Amex Travel: $100 USD hotel credit per stay, room upgrade, noon check-in, late checkout
Every booking
Toronto Pearson Perks
Pearson: Priority Security Lane via QR code, free valet at Terminal 1, 15% off Express and Daily Park

Insurance · 13

Emergency Medical Insurance
Out-of-province emergency medical, up to $5,000,000, first 15 days of a trip, age 64 or under
Trip Cancellation Insurance
Non-refundable travel cancelled for a covered reason, up to $1,500 per person, $3,000 per trip
Trip Interruption Insurance
Unused travel when a trip is interrupted, up to $1,500 per person, $6,000 per trip
Flight Delay Insurance
Meals, lodging and essentials when a flight is delayed 4+ hours or boarding is denied, up to $1,000 combined with baggage delay

Show all 13

Baggage Delay Insurance
Emergency clothing and essentials when checked bags are 6+ hours late, up to $1,000 combined with flight delay
Lost Baggage Insurance
Checked or carry-on bags lost or damaged in transit, up to $1,000 per trip for all insured persons
Car Rental Theft and Damage Insurance
Theft, loss or damage to a rental car with MSRP up to $85,000, rentals of 48 days or less
Hotel Burglary Insurance
Personal items stolen from a broken-into hotel room, up to $1,000 (cash excluded)
Travel Accident Insurance
$500,000 accidental death and dismemberment when common carrier tickets are fully charged to the Card
Mobile Device Insurance
Loss, theft or accidental damage to a phone or tablet bought on the Card, up to $1,500, for 2 years
Purchase Protection
Accidental damage or theft of eligible items for 90 days from purchase, up to $1,000 per occurrence
Extended Warranty
Extends the manufacturer's warranty by up to 1 extra year on eligible new items charged in full to the Card
Employee Card Misuse Protection
Unauthorized charges by an employee on a Supplementary Card, up to $100,000 per Cardmember

Status

Avis Status
Complimentary status with Avis
Hertz Gold Plus Rewards Five Star
Hertz: one-class upgrade, rate discounts, up to 4-hour return grace period
Enroll first
Hilton Honors Gold Status
Complimentary Hilton Gold: room upgrades, 80% bonus points, breakfast or food credit
Enroll first
Marriott Bonvoy Gold Elite Status
Complimentary Gold Elite: room upgrades, 25% bonus points, 2 pm late checkout
Enroll first

Got this card? We'll tell you when to use it.

PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.

Fine print

Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Amex. Card and program names belong to their owners.

Details last checked Sep 28, 2026.