Business Platinum Card from American Express

The tiered structure here is deliberately designed to encourage sustained business spending – you'll need to keep the card active well beyond the initial bonus period to capture the full value. For businesses with organic spending capacity, that's manageable; for businesses with seasonal spending, the 17-month timeline requires planning to keep pace.

At Prince of Travel, our favourite tool to use with minimum spending requirements is Chexy, a Canadian platform that allows you to pay a host of bills – including rent, tuition, utility bills, car lease payments, property taxes, and much more – with a credit card and earn points. The processing fee is modest compared to the value of the points you earn from spending and welcome bonuses.

The flat 1.25x earning rate makes this card ideal for uncategorized business spending – consulting fees, software subscriptions, vendor payments – where other cards deliver only 1x. For businesses with substantial monthly expenses that don't fit tidy bonus categories, that quarter-point edge compounds quickly into premium cabin redemptions.

Pair this with category-specific cards for office supplies or gas, but let the Business Platinum handle everything else. No caps, no tracking, no complexity – just consistent accelerated earning on unlimited spend.

Membership Rewards shines as a transfer currency first – its real power lies in moving points to partners like Aeroplan, British Airways Avios, and Flying Blue, where you'll unlock sweet spots across all three major alliances.

The Amex Fixed Points Travel chart offers predictable floor value for flights, but transfers to airline partners consistently deliver outsized returns – especially for premium cabin redemptions and off-peak routes.

The Business Platinum Card delivers elite-tier travel perks that justify the annual fee for frequent travellers. Unlimited access to Centurion Lounges, Priority Pass, and Plaza Premium lounges – plus Marriott Gold and Hilton Gold status – means you'll travel with elevated comfort and room upgrades on every trip.

Fine Hotels & Resorts unlocks suite upgrades, daily breakfast, and property credits at luxury hotels worldwide, with frequent third- or fourth-night-free promotions. The International Airline Program offers discounted premium cabin fares, while the Platinum Concierge secures hard-to-get reservations and handles last-minute travel changes.

The $200 travel credit, $100 NEXUS credit, and $120 wireless credit add up to $420 in annual value before you even consider the Dell and Indeed credits – making this card surprisingly affordable for business owners who travel regularly.

This package covers most business travel scenarios well, with standout mobile device protection that's genuinely rare among premium cards. The per-person trip cancellation structure matters when you're travelling with colleagues or family on company itineraries.

The 90-day pre-existing condition window means you should purchase trips within that stability period – not the moment you book travel months out. For longer trips or ongoing health conditions, supplemental coverage may be necessary.

Rental car CDW is solid for frequent renters, but watch for exclusions on luxury vehicles and certain countries. Review the full Certificate of Insurance for trip delay thresholds and baggage limits before relying on this as sole coverage.