Welcome bonus structure

40,000 points Bonus after spending $7,500 in the first 3 months

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Earn on the minimum spending requirement

7,500 points Earn on the $7,500 minimum spend (at the base rate of 1 pt/$)

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Total rewards by unlocking the welcome bonus

47,500 points Welcome bonus + earn on the minimum spending requirement to unlock it

Also offered but not included in Valuation: quarterly spending bonus

‣Apply for the American Express^® Business Gold Rewards Card

Value of the welcome bonus offer
(at our Flytrippers Valuation of ≈ 1.5¢/pt)

≈ $600 Welcome bonus (40,000 pts at ≈ 1.5¢/pt)
≈ $113 Earn on the minimum spend (7,500 pts at ≈ 1.5¢/pt)
–$199 Card fee (Deducted from Flytrippers Valuation)

≈ $514 in net value with the welcome bonus alone

‣Learn more our Flytrippers Valuation of welcome bonuses

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Effective return rate

≈ 16% Return on the minimum spending requirement ($7,500 over 3 months)

‣Learn more about effective return rates (coming soon)

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Rewards acquisition summary

≈ $514 Rewards you get for $199

‣Apply for the American Express^® Business Gold Rewards Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 47,500 Amex Membership Rewards points you get by unlocking the welcome bonus:

≈ $713 to UNLIMITED Specific flights booked via transfers to airline programs
≈ $713 to ≈ $950Flights booked with the Amex award chart
≈ $513 to UNLIMITED Specific hotels booked via transfers to hotel programs
$475 Travel booked via any website
$475 Statement credit

‣Learn more about the best redemptions of American Express points (detailed guide coming soon)

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Value of redemption options (per point)

For each available redemption option, here is the value per Amex Membership Rewards point to help you understand:

≈ 1.5¢/pt to UNLIMITED Specific flights booked via transfers to airline programs
≈ 1.5¢/pt to ≈ 2¢/pt Flights booked with the Amex award chart
≈ 1.08¢/pt to UNLIMITED Specific hotels booked via transfers to hotel programs
1¢/pt Travel booked via any website
1¢/pt Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions with transfers to partners (Aeroplan)

The more valuable type of reward redemption, with a variable value: the amount of points required is unrelated to the cash price of the flight. The value depends on how many points are required by the reward chart and the cash price. So the value you can get from airline award charts is unlimited. You can redeem only for specific flights: only certain airlines are available and seat availability is limited (or all seats on Air Canada flights, but there’s no award chart).

Redeem your 47,500 Amex points for one-way flights (roundtrips are simply twice the price):

6,000 pts Up to 500 miles from Canada on United (Toronto-Chicago, Montreal-New York, Ottawa-Washington, etc.)
6,000 pts Up to 500 miles within Central America on Copa/Avianca (San José-Panama City, Guatemala City-San Salvador, etc.)
10,000 pts Up to 1500 miles from Canada on United (Toronto-Miami, Montreal-Nashville, Vancouver-Las Vegas, etc.)
12,500 pts Up to 2750 miles from Canada on United/Copa/Avianca (Toronto-Costa Rica, Montreal-Panama, Vancouver-Mexico, etc.)
35,000 pts From Toronto/Montreal to Western Europe on United/Lufthansa/SWISS/Austrian/Brussels (Toronto-Germany, Montreal-Switzerland, etc.)
35,000 pts From Vancouver to Japan on ANA (Vancouver-Tokyo)
55,000 pts Business class from Vancouver to Japan on ANA (Vancouver-Tokyo)
60,000 pts Business class from Toronto/Montreal to Western Europe on United/Lufthansa/SWISS/Austrian/Brussels (Toronto-Germany, Montreal-Switzerland, etc.)

‣Learn more about the best redemptions of Amex points (detailed guide coming soon)

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Redemptions with transfers to partners (Avios)

The more valuable type of reward redemption, with a variable value: the amount of points required is unrelated to the cash price of the flight. The value depends on how many points are required by the reward chart and the cash price. So the value you can get from airline award charts is unlimited. You can redeem only for specific flights: only certain airlines are available and seat availability is limited.

Redeem your 47,500 Amex points for one-way flights (roundtrips are simply twice the price):

4,750 pts Up to 650 miles within Europe on British/Iberia/Aer Lingus (Madrid-Ibiza, Dublin-Amsterdam, London-Nice, etc.)
6,000 pts Up to 650 miles within Asia on Cathay/JAL/Malaysia (Tokyo-Osaka, Kuala Lumpur-Phuket, Taipei-Hong Kong, etc.)
6,000 pts Up to 650 miles elsewhere on Royal Air Maroc/Qantas (Sydney-Melbourne, Casablanca-Marrakech, etc.)
7,250 pts Up to 1151 miles within Europe on British/Iberia/Aer Lingus (London-Lisbon, Dublin-Prague, Madrid-Rome, etc.) 
7,500 pts Up to 650 miles from Canada on American/Alaska (Toronto-New York, Montreal-New York, Edmonton-Seattle, etc.)
9,000 pts Up to 1151 miles from Canada on American (Toronto-Miami, Montreal-Charlotte, Vancouver-Los Angeles, etc.)
11,000 pts Up to 2000 miles from Canada on American (Toronto-Miami, Montreal-Miami, Vancouver-Phoenix, etc.)
11,000 pts Up to 2000 miles from Miami on American (Miami-Cartagena, Miami-Costa Rica, Miami-Barbados, etc.)
13,000 pts From Toronto to Ireland on Aer Lingus (Toronto-Dublin)
17,000 pts From Boston/New York/Chicago to Spain on Iberia (Boston-Madrid, New York-Madrid, Chicago-Madrid)
25,000 pts From Montreal/Toronto to the UK on British (Toronto-London, Montreal-London)
34,000 pts Business class from Boston/New York/Chicago to Spain on Iberia (Boston-Madrid, New York-Madrid, Chicago-Madrid)
35,000 pts From Montreal to Qatar on Qatar Airways (Montreal-Doha)
36,250 pts From Vancouver to Asia on Cathay Pacific/JAL (Vancouver-Hong Kong, Vancouver-Tokyo)
47,500 pts From Montreal to Southeast Asia on Qatar Airways (Montreal-Bangkok, Montreal-Bali, Montreal-Hanoi)
50,000 pts Business class from Toronto to Ireland on Aer Lingus (Toronto-Dublin)
51,500 pts From Toronto to Asia on Cathay Pacific (Toronto-Hong Kong)
70,000 pts Business class from Montreal to Qatar on Qatar Airways (Montreal-Doha)
95,000 pts Business class from Montreal to Southeast Asia on Qatar (Montreal-Bangkok, Montreal-Bali, Montreal-Hanoi)

‣Learn more about the best redemptions of Amex points (detailed guide coming soon)

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Redemptions with the Amex rewards chart

Another more valuable type of rewards redemption, with a variable value. All flights and all seats are available, but bank flight reward charts give you the best value when the cash price of a ticket’s base fare is very high. There’s a maximum base fare so the value is not unlimited. Some routes have surcharges, so the value depends on that too. Only roundtrips are available.

Redeem your 47,500 Amex points for roundtrip flights:

15,000 pts Specific popular routes such as Toronto-New York, Montreal-New York, Montreal-Toronto, Toronto-Ottawa, and Calgary-Vancouver (maximum $300 base fare)
20,000 pts Within your province/territory or to adjacent provinces/territories/states, except Alaska (maximum $300 base fare)
40,000 pts Canada to Alaska, Hawaii, Mexico, Bermuda, Caribbean, or Central America (maximum $700 base fare)
60,000 pts Europe (maximum $900 base fare)
100,000 pts Anywhere else in the world (maximum $1700 base fare)

‣Learn more about the best redemptions of Amex points (detailed guide coming soon)

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Redemptions with transfers to partners (Marriott)

The more valuable type of reward redemption, with a variable value: the amount of points required is not necessarily related to the cash price of the hotel. The value depends on how many points are required by the program and the cash price. So the value you can get from hotel programs is unlimited. You can redeem only for Marriott hotels but availability in not limited.

Redeem your 47,500 Amex points for free hotel nights:

60,000 pts Up to 10 free nights in Indonesia, Malaysia, South Africa, and a few other destinations
60,000 pts Up to 6 free nights in a few dozen other countries
60,000 pts Discount of ≈ $648 on most of the 9000 Marriott hotels

‣Learn more about the best redemptions of Amex points (detailed guide coming soon)

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Redemptions for any travel expense

The more simple type of redemption, but should be avoided as much as possible (get other cards for this type of redemption).

Redeem your 47,500 Amex points for:

47,500 pts Discount of $475 on travel booked on any website

‣Learn more about the best redemptions of Amex points (detailed guide coming soon)

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Redemptions for anything other than travel

Should always be avoided, as with all rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Redemptions
American Express points can be used for specific flights to maximize their value (via transfers to partner programs or via the Amex flight chart) or for hotel nights (via transfers to partner programs). But they can also be used as a simple travel credit (which can be applied to any travel expense).

‣Learn more about the American Express rewards program (coming soon)

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Pricing
Amex points are hybrid rewards: They can be used as fixed-value rewards (fixed value of 1¢) or variable-value rewards (value depending on how you use them; our Flytrippers Valuation is ≈ 1.5¢).

‣Learn more about American Express points (coming soon)

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Expiry
Amex points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about American Express points expiry (coming soon)

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Pooling
If you have travel companions, it’s possible to pool Amex points via transfer partners.

‣Learn more about pooling American Express points (coming soon)

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Transfers
American Express points can be transferred to multiple partner programs and this often provides the best value.

‣Learn more about American Express point transfers (coming soon)

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Other redemption options
American Express points can be used for rewards other than travel but this should be avoided.

‣Learn more about why you should always use your rewards for travel (coming soon)

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Rewards program logistics
You can use your points directly on the American Express website or app.

‣Learn more about how to get started with American Express rewards (coming soon)

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Rewards program summary
Rewards: American Express points
Type: Hybrid rewards
Subtype (fixed value): “Eraser” rewards
Subtype (variable value): “Standard” or “Dynamic” Rewards (depending on the transfer partner)
Variety: Bank rewards 
Flytrippers Valuation: ≈ 1.5¢ per point
Minimum value: 1¢ per point
Maximum value: Unlimited
Transferable: Yes (8 partners)

‣Learn more about rewards programs basics (coming soon)

Earn rates (at Flytrippers valuation)

1 point per $ (≈ 1.5%) Everywhere

‣Learn more about credit card earn rates (coming soon)

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Earn rates (to the minimum fixed value)

1 point per $ (≈ 1%) Everywhere

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Earning with additional cards

Fee for additional cards: $50

‣Learn more about additional cards (coming soon)

Amex Offers program
Access to discounts, credits, and special offers throughout the year.

‣Learn more about the Amex Offers program

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Amex Experiences^TM
Access to exclusive virtual and in-person experiences and pre-sale tickets to lots of events.

‣Learn more about Amex Experiences^TM (coming soon)

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The Hotel Collection program
Benefits at top luxury hotels, such as a US$100 credit to use at the hotel and a free room upgrade.

‣Learn more about The Hotel Collection program (coming soon)

Insurance included

Flight delay insurance ($500, 4h minimum)
Car rental insurance
Baggage insurance
Hotel burglary insurance
Purchase protection (90 days)
Extended warranty on purchases
Mobile device insurance

‣Learn more about the American Express^® Business Gold Rewards Card‘s insurance coverage (coming soon)

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Insurance not included

Medical travel insurance
Trip cancelation insurance
Trip interruption insurance

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility
Minimum personal/household income: $0
Business required: No (input your full name in the business field)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: TransUnion

‣Learn more about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have had the American Express^® Business Gold Rewards Card before.

‣Learn more about credit card welcome bonus eligibility rules (coming soon)

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Offer end date
Offer subject to change at any time

‣Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

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Card details
Issuer: American Express
Network: American Express
Card Type: Charge card
Product Type: Business card

‣Learn more about credit card types (coming soon)

Fees and rates
Card fee: $199/year
Fee for additional card: $50 
FX fee: 2.5%
Purchases annual interest rate: N/A
Purchases annual interest (penalty): 21.99% on Flexible Payment Option limit and 30% on Due In Full balance
Funds advances annual interest rate: N/A
Balance transfer fee: N/A

‣Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

Earn 40,000 bonus Membership Rewards^® points

• Earn a welcome bonus of 40,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Card membership.
• Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.  That could add up to $400 in value every year.
• That’s $400 in statement credits that can be reinvested in your business.

Earn points that you can redeem in a variety of ways

• Earn 1 Membership Rewards point for every dollar in purchases charged to the Card and get the most out of your business expenses.
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business – anytime and anywhere

• Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 21.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.

Access comprehensive insurance coverage for your travel needs.

• Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance 

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan

Access to coverage for mobile devices purchased for business use.

• Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.