AMEX Business Platinum Card Canada Cash Value Calculator

AMEX Business Platinum

1.25x All Purchases
Travel Coverage and Insurance
Lounge Access
Hotel Elite Status
Car Rental Status

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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 and earns Membership Reward Points at a flat rate. There is no limit on the amount of points you can earn using this card.

1.25x All Purchases

The AMEX Business Platinum Card earns 1.25 Membership Rewards Points per $1 spent on all purchases. This is a better rate than the other AMEX Canada Membership Rewards Point earning cards which makes it a solid choice for anyone looking to maximize their points on non-category spend.

Perks and 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

One of the primary perks of the American Express Business Platinum is the lounge access you will receive as a cardholder. This includes access to:

  • Centurion Lounges
  • International American Express Lounges
  • Plaza Premium Lounges
  • Delta Sky Club
  • Priority Pass
  • Airspace Lounges
  • Escape Lounges
  • Executive Lounges by Swissport
  • Québec City ’s Jean Lesage International Airport VIP Lounge

Fine Hotels & Resorts

AMEX Business Platinum Cardholders will have access to the Fine Hotels & Resorts collection. This includes benefits such as complimentary breakfast for two, 4pm late checkout, and more.

The Hotel Collection

AMEX Business Platinum Cardholders will be able to book hotels through The Hotel Collection. When booking at least a two day consecutive stay, cardholders will receive up to $100 USD hotel credit on hotel amenities charged to the room and complimentary room upgrade (when available).

Marriott Bonvoy Gold Status

AMEX Business Platinum Cardholders will receive Marriott Bonvoy Elite Gold Status. This comes with benefits such as late check-out, welcome gifts, room upgrades, and bonus Marriott Bonvoy Points per $1 spent.

Toronto Airport Benefits

AMEX Business Platinum Cardholders will receive several benefits when in Toronto Pearson Airport. This includes complimentary valet service, a 15% discount on parking rates at Express Park in Terminal 1 and Daily Park in Terminals 1 & 3, and access to Pearson Priority Lane in Terminal 1 & 3. These benefits apply to the primary cardholder and additional/authorized cardholders that have a valid Business Platinum Card.

Hertz Car Rental Benefits

AMEX Business Platinum Cardholders will receive Hertz Gold Plus Rewards Five Star Tier Membership. Cardholders will need to use Corporate/Customer Discount Partner (CDP) code 633306 when making a reservation with Hertz. Five Star Tier Club can receive a one-car class upgrade at participating locations at time of rental.

Avis Car Rental Benefits

AMEX Business Platinum Cardholders will receive discounts between 5% and 25% off the lowest available discounted rate are available on qualifying rentals in Canada and the the contiguous United States. Members can also receive up to a 20% discount on international rentals. Cardholders will need to use Avis Worldwide Discount (AWD) code C076700 at the time of reservation.


AMEX Business Platinum Cardholders will receive a 10% discount when booking a ride with Carey Limo Service.

Platinum Concierge

AMEX Business Platinum Cardholders will have access to the AMEX Platinum Concierge. The Concierge provides personal assistance day and night, whenever and wherever you are. They can help recommend restaurants, get tickets to exclusive events, and a lot more.

AMEX Invites

AMEX Invites offers several benefits when it comes to the world of entertainment. This includes Front Of The Line Advanced Access and Reserved Tickets, special offers and experiences for cardmembers, and more. It's a great way to obtain tickets to great, exclusive events.

No Preset Spending Limit

The AMEX Business Platinum Card (Canada) is a charge card that has no pre-set spending limit (NPSL). This does not mean infinite spending, but it does allow flexibility. As you use the card, the amount you can spend on it will adjust. Do note that charge cards require the full balance to be paid every month.

AMEX Benefits

The AMEX Business Platinum Card comes with the many benefits you expect from the American Express name. This includes, but is not limited to:

  • 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

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.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
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.
View Rewards As...
0 Cent(s)
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
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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 the Card (if applicable).
Annual Fee: -
Auth Fee: -
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.

Recent News/Articles

Page Last Updated: 2019-07-10

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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