AMEX Business Platinum Card

Card Details & AMEX Point Calculator
1.25x All Purchases
Travel Coverage and Insurance
Lounge Access
Hotel Elite Status
Car Rental Status

The American Express Business Platinum Card (Canada) is a great card for businesses who want their employees to have access to elite travel benefits. While you will not earn that many points running spend through the Business Platinum, cardholders will have extensive lounge access, hotel status, travel insurance, and purchase protection.

Bonus Categories

The American Express Business Platinum (Canada) does not feature any bonus categories. It earns 1.25 Membership Rewards Points per $1 spent on all purchases. When compared to the non-category rate of other Membership Rewards credit cards, this is the better option. If you spend a lot on non-category purchases and want to maximize your points, this isn't a bad option to run your spend across.

Perks & Benefits

Where the AMEX Business Platinum (Canada) lacks in earn points, it more than makes up for it with the benefits and perks the card offers. If you're looking for elite travel benefits for yourself and/or your employees, this is a card you will definitely want to consider picking up.

  • Lounge Access
    • Centurion Lounges
    • International American Express Lounges
    • Plaza Premium Lounges
    • Delta Sky Club
    • Airspace Lounges
    • Escape Lounges
    • Priority Pass
    • Executive Lounges by Swissport
    • Québec City’s Jean Lesage International Airport VIP Lounge
  • Fine Hotels & Resorts
    • Includes 4pm late checkout, complimentary daily breakfast for two, and more.
  • The Hotel Collection
    • Includes $100 USD hotel credit on hotel amenities charged to the room and complimentary room upgrade (when available).
  • Marriott Bonvoy Gold Status
  • Toronto Airport Benefits
    • Pearson Airport Priority Security Lane.
    • Complimentary valet service at the Express Park and Daily Park.
    • 15% discount on parking rates at the Express Park and Daily Park.
  • Hertz Benefits
  • Avis Car Rental Benefits
    • 5%-25% discount on rentals in Canada and the United States.
    • Up to 20% discount on international rentals.
    • Book on and use Avis Worldwide Discount (AWD) code C076700.
  • Carey Limo Service
    • 10% discount when booking a ride.
  • Platinum Concierge
  • AMEX Invites
  • No Preset Spending Limit
  • Insurance and Protections
    • Employee Card Misuse Protection
    • Disability Plan for Small Business
    • Trip Cancellation Insurance
    • Trip Interruption Insurance
    • $500,000 Travel Accident Insurance
    • Fraud Protection Guarantee
    • Purchase Protection Plan
    • Buyer's Assurance Protection Plan
    • Emergency Medical Insurance
    • StandbyMD Travel Medical Concierge
    • Travel Emergency Assistance
    • Baggage Delay Insurance
    • Flight Delay Insurance
    • Hotel/Motel Burglary Insurance
    • Car Rental Theft and Damage Insurance
    • Lost or Stolen Baggage Insurance

Sign Up Bonus (SUB)

The standard signup bonus for the American Express Business Platinum Canada Card is 40,000 Membership Rewards Points after charging $5,000 on the card within the first 3 months. This is easily worth at least $400, but can be worth more when transferred to airline partners.


Annual Fee

The annual fee for the AMEX Business Platinum (Canada) is $499 per year. Depending on how much you value the perks & benefits of the card, this can easily be worth the price tag.

Authorized User Fee

The fee to add additional Business Platinum Cards is $199 per card. The primary cardholder can also add additional Business Gold Cards to the account for $50 per card.

Foreign Transaction Fee

Purchases made outside of Canada will be subjected to a 2.5% additional conversion fee. If need be, purchases will be converted to U.S. Dollars and then to Canadian Dollars.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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