American Express Business Gold Card
Best offer available via Canada Post

  • Signup bonus: 75,000 MR points
  • Minimum spending: $5,000 in the first three months
  • Annual fee: $399 via Canada Post
  • Earning rate: 1.25 MR points per dollar spent all purchases
  • Referral bonus: 25,000 MR points per referral, up to 225,000 MR points per calendar year
  • Perks & benefits: Priority Pass lounge access, Hotel elite status, Fine Hotels & Resorts, Platinum Concierge
  • Insurance: Strong

The Bonuses

For an annual fee of $399, the American Express Business Platinum Card offers 75,000 Membership Rewards points upon spending $5,000 within the first three months if applying via the Canada Post special offer.

The offer is targeted towards members of Canada Post Solutions for Small Business, but since anyone can become a member, that effectively makes it a public offer.

The standard offer on the Amex website is 40,000 MR points, while applying through a referral link gives you 60,000 MR points. Both have a higher annual fee of $499. Needless to say, applying via Canada Post is in your best interest.

You're effectively paying $399 for 75,000 MR points, which is an incredible deal. For example, if you transferred the points to Aeroplan, that's enough for a round-trip economy ticket to Asia with two additional stopovers of unlimited duration. For a $399 outlay, that's unbeatable.

You can also earn 25,000 MR points for every referral you make to any card in the Membership Rewards family, up to a maximum of 225,000 MR points per calendar year.

American Express Membership Rewards
The best transferrable points currency
In-depth guide

Rewards & Benefits

In terms of earning points on your everyday spending, the Business Platinum Card operates the same as the personal Platinum Card. You earn 1.25 MR per dollar spent on all purchases.

As with the Platinum Card, the Business Platinum also comes with similar travel-related benefits. You can earn instant Gold elite status with Marriott's hotel loyalty program, giving you benefits such as room upgrade, free internet, and late checkout when staying at hotels. 

It's worth deliberating on the lounge access benefits of the card. The Business Platinum Card grants complimentary access to Priority Pass lounges for you and one guest, as well as Plaza Premium lounges and American Express Centurion Lounges for you, your spouse, and two children under the age of 21 or one travelling companion. 

The card also comes with access to American Express Fine Hotels & Resorts, benefits at Toronto Pearson Airport such as priority security lane access, and of course the handy Platinum Concierge service. I've discussed all of these benefits in my review of the Platinum Card, so head over to that page for the details. Overall, the Business Platinum Card's travel benefits are still relatively strong despite an inferior Priority Pass offering, and definitely contribute to justifying the $399 annual fee (or even $499 if you applied via one of the other offers).

Insurance Coverage

The insurance provided by the Business Platinum Card is extremely comprehensive. In fact, I'd say that the coverage provided by the Business Platinum is the most complete out of all the Membership Rewards cards, since the card offers both top-notch travel insurance benefits and insurance geared towards small business owners.

There's the essential emergency medical insurance up to $5,000,000, travel accident insurance up to $500,000, and the usual assortment of insurance against flight delays, trip interruption, trip cancellation, car rental accidents, hotel burglaries, and lost, stolen, or damaged baggage. But there's also the Disability Plan for Small Business, which covers you as a sole proprietor for up to $10,000 in the unfortunate event of permanent, total disability as the result of an accidental injury. In terms of insurance coverage, the Business Platinum Card offers the best of both worlds.

Apply Now

There's no minimum income requirement for this card, and you don't need to be a registered small business owner to apply.

Applying via the Canada Post special offer is the best deal on this card at the moment, getting you 75,000 MR points for a $399 annual fee:

You could also apply via my referral link below to support the site; however, this offer would only get you 60,000 MR points for a $499 annual fee.

Any questions? Contact me.