Business Platinum Card from American Express
130,000 MR points
The Summer of American Express, By the Numbers
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Business Platinum Card from American Express
- Earn 90,000 MR points upon spending $15,000 in the first three months
- Plus, earn 40,000 MR points upon making a purchase in months 15–17 as a cardholder
- And, earn 1.25x MR points on all purchases
- Also, receive a $200 annual travel credit
- Transfer Membership Rewards points to Aeroplan, The British Airways Club, Flying Blue, and other frequent flyer programs for premium flights
- Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
- Credits and rebates for business expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Qualify for the card as a sole proprietor
- Annual fee: $799
17 Comments
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Nicely done. I applied for the Platinum card using your link. If I have a Cobalt card and a Business Platinum card, will I be able to get an Amex Aeroplan card or is there a limit?
Shouldn’t be a problem – I’d say it’s worth trying!
Thank you Josh – great article! For the Aeroplan Reserve, in their footnotes it says “Members who held an Aeroplan premium credit card as of December 31, 2020, regardless of the credit card issuer are not eligible for this Offer.”
Does that mean if I had an “Aeroplan infinite Visa from TD” (that I canceled in early 2021) that I would NOT qualify for the reserve though I have never gotten either of the reserve cards.
If anyone has any insight or perspective on this, it would greatly be appreciated!
Not sure where you’re seeing that, but I highly doubt it would be enforced.
“Premium Aeroplan” cards refer to the Reserve cards from Amex, and the VIP cards from TD/CIBC. If you’ve only had the Visa Infinite cards, you have nothing to worry about.
Nice article. Helped a lot.
I’m just curious how to achieve 5000 CAD spending on dining and groceries when majority of grocery stores don’t accept Amex.
Dont accept Amex: Walmart, Costco, Real Canadian Superstore, No Frills, Loblaws, etc…
Accept Amex: Sobeys, Metro, Longos, Whole Foods Market.
And chains that accept Amex are generally more expensive.
To get 25000 AC points, you have to spend 5000 CAD in 6 month on groceries and dining. It’s about 833 CAD a month.
Still not sure about dine in options in the future, and you need to spend a lot for take away to get to this number.
I think it’s quite difficult taking in consideration these limitations.
Seems like the only way (for me) is to buy gift cards…
I find myself in a similar situation, especially when my household is just two people. I shop weekly at one grocery store that would qualify for the 10x points but the spend is nowhere near the amount I spend at places like Costco where I would easily max the 5k spend so the only way I can meet that spend is to throw in a Mastercard Gift Card every now and then with my groceries and just shop at Costco with it afterwards.
Same boat. I do 90% of my grocery shopping at Costco and maybe spend $150/month dining out. With those numbers, I can’t justify getting Amex.
Costco.ca accepts amex
The costco.ca web site indicates that payment can be made with Visa or Mastercard, but not Amex. https://customerservice.costco.ca/app/answers/detail/a_id/1629/kw/payment
I have not read the site but for the last year since COVID started I have been using my cobalt card every time on costco.ca instacart.
They deliver in a few hours so you do not have to go into the store so you are not tempted to buy anything stupid.
John, my inderstanding is that Instacart is a separate delivery provider that charges a hefty delivery fee—$30 per order if I remember correctly. Costco.ca does not charge a delivery fee but doesn’t take Amex.
You are right about the higher fee, about 5% difference.
I actually have never thought to look at it.
We started this when the COVID scare got huge.
It still is advantageous to me.
We only get what we want nothing extra that we do not actually need
We do not have to fight the crowds!!! at the store
No gas or time expended getting there and back
They do take Amex with the bonus points
I am a little embarrassed however that I never thought to check for a price difference or whether instacart was even part of Costco
However still worth it to me
Thanks Josh. This is such a good article. You break it down in a way that makes perfect sense to me, yet isn’t prescriptive. Although the numbers are…
I see you wrote that buying gift cards at grocery stores would be a way to get the bonus points but the terms specifically exclude gift cards. Is that going to be an issue or trigger a shutdown?
I think it depends how often you buy gift cards, and if you abuse the system. AMEX shutdowns normally only happen to abusers, not the average day users. YMMV, but once in a while shouldn’t trigger anything.
Thanks Josh, I would love to see the same work with Amex US cards. I can’t make up my mind Amex Platinum interests me a lot.
Thanks Josh, a very timely and helpful blog, looking at the situation from every angle. You have helped me bring down the ten possibilities to two. The only problem is which one of the two, both are not an option.