You are currently viewing Clarification about American Express “business” cards in Canada

We’ve talked a lot about regular (“personal” or “consumer”) credit cards, but there are also a few “business” cards. Those issued by American Express offer some of the most valuable welcome bonuses in Canada (with amazing benefits too), and you don’t need an incorporated business to be eligible to get them!

Here are the details.

 

Eligibility for Amex “business” cards

Having the word “business” in the card name can seem a little confusing indeed.

But no, contrary to the widespread myth, you do not need to be incorporated as a business and you do not even need to be self-employed or anything at all to get an American Express “business” card.

There are no requirements at all in fact, as you read yourself on their official application page!

Official application requirements (image credit: American Express)

 

There are a few special instructions for the application itself though!

 

How to apply for Amex “business” cards

For the legal name of the business, put your full name.

For the business income, you can estimate a very minimal non-employment income that you might want to reach in any given way (maybe you’ll resell things on Facebook Marketplace for example), they won’t ask for proof of income this way.

The number of employees would be 1 (you) if you don’t have any employees.

That’s what I did with my American Express Business Gold Card just to show you, even though I could’ve used Flytrippers as a business. My name appears as the business name under my name.

My Amex Business Gold Rewards Card (photo credit: Andrew D’Amours/Flytrippers)

 

As with personal credit cards, Amex pretty much only looks at your credit score, unlike all other banks.

(Other banks often have minimum income requirements for regular cards and only allow businesses to get “business” cards too!)

So with Amex, you can get those “business” cards to have even more potential to earn free travel!

The welcome bonuses for “business” credit cards are very high, but some of them come with higher minimum spend requirements than regular consumer cards. So that’s sometimes the main obstacle, as it can be a bit more difficult to reach them, even with our tips.

It’s worth the effort though, to get the most valuable points out there, which are often those offered by Amex (either Amex points, Aeroplan points, or Marriott points).

 

The best Amex “business” cards in Canada

Here are the best Amex “business cards” worth considering at the moment!

Best Amex
"business" credit cards
American Express® Business Gold Rewards Card American Express Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
( VALUATION)
limited time
Rewards: ≈ $1125
Card fee: $199
Best for: More valuable
Amex points
for Aeroplan or Avios
Business Platinum Card® from American Express Business Platinum Card from American Express
Card: no business required
Bonus: spend $15k in 3 mos.
WELCOME BONUS
( VALUATION)
Rewards: ≈ $1801
Card fee: $799
Best for: Big spenders
& luxury
travelers
American Express Business Edge Card American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
WELCOME BONUS
( VALUATION)
limited time
Rewards: ≈ $750
Card fee: $99
Best for: More Amex
points
and good earn rate
NEW
Marriott Bonvoy Business American Express® Card
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $6k in 3 mos.
WELCOME BONUS
( VALUATION)
ends May 6th
Rewards: ≈ $783
Card fee: $150
Best for: Valuable Marriott
certificate
another must-have
American Express® Aeroplan®* Business Reserve Card American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k/mo for 6 mos.
WELCOME BONUS
( VALUATION)
Rewards: ≈ $1013
Card fee: $599
Best for: Frequent Air Canada
travel
& maximizing Aeroplan
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.
Best Amex
"business" credit cards
WELCOME BONUS
( VALUATION)
Best
for
American Express Business Gold Rewards Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $1125
Card fee: $199
More valuable
Amex points
for Aeroplan or Avios
limited time
Business Platinum Card from American Express
Card: no business required
Bonus: spend $15k in 3 mos.
Rewards: ≈ $1801
Card fee: $799
Big spenders
& luxury
travelers
American Express Business Edge Card
Card: no business required
Bonus: spend $5k in 3 mos.
Rewards: ≈ $750
Card fee: $99
More Amex
points
and good earn rate
limited time
NEW
Marriott Bonvoy Business American Express Card
Card: no business required
Bonus: spend $6k in 3 mos.
Rewards: ≈ $783
Card fee: $150
Valuable Marriott
certificate
another must-have
ends May 6th
American Express Aeroplan Business Reserve Card
Card: no business required
Bonus: spend $3k/mo for 6 mos.
Rewards: ≈ $1013
Card fee: $599
Frequent Air Canada
travel
& maximizing Aeroplan
Terms and conditions apply. Flytrippers editorial opinion only. Financial institutions are not responsible for maintaining the content on this site. Please click "See More" to see most up-to-date information.

 

Want to get more content about travel rewards points?

Sign up for our travel rewards newsletter

 

Summary

American Express “business” cards are a great way to earn even more travel rewards. All travelers are eligible to get them, despite what the name seems to indicate!

Have any questions about American Express “business” cards? Ask us in the comments below.

 

Explore awesome destinations: travel inspiration

Learn pro tricks: travel tips

Discover free travel: travel rewards

 

Featured image: Coworking space (photo credit: Shridhar Gupta)

 

 

 

Share this post to help us help more people travel more for less:

Andrew D'Amours

Andrew is the co-founder of Flytrippers. He is passionate about traveling the world but also, as a former management consultant, about the travel industry itself. He shares his experiences to help you save money on travel. As a very cost-conscious traveler, he loves finding deals and getting free travel thanks to travel rewards points... to help him visit every country in the world (current count: 71/193 Countries, 47/50 US States & 9/10 Canadian Provinces).

Leave a Reply