American Express®  Business Gold Rewards Card

Flytrippers opinion: A great offer for a lot of Amex points and a simpler bonus structure.
Flytrippers Valuation
of Welcome bonus (net value)
limited time

via Amex secure application link
≈ $ 926

Rewards: ≈ $1125

Card fee: $199

Card eligibility
no business required

Welcome bonus eligibility
must not have had
this specific card
ever before
Amex Membership Rewards (more lucrative)
Bonus: 70k pts (OR 110k pts with full bonus)
Earn on min. spend: 5k pts (total: 75k pts)

• ≈ $1575 to UNLIMITED for premium flights
• ≈ $1125 to ≈ $1575 for specific economy flights
• ≈ $1125 to $1500 for flights (table)
• $750 for any travel expense
How to unlock bonus
spend $5,000
in 3 months

Terms and conditions apply. Flytrippers editorial opinion only. Amex is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information.

Summary of Flytrippers' review


  • Excellent welcome bonus of ≈ $926
  • Flexibility of hybrid rewards
  • Excellent insurance coverage

It’s really a great offer!


  • Those who want a lot of Amex points
  • Those who want a simpler welcome bonus structure
If you check one of these boxes, it’s a card for you.

Card details

Welcome bonus structure

70,000 points Bonus after spending $5,000 in the first 3 months
5,000 points Earn on the $5,000 minimum spend (at the base rate of 1 pt/$)

Apply for the American Express® Business Gold Rewards Card

Flytrippers Valuation of the welcome bonus

≈ $1050 Welcome bonus (70,000 pts at ≈ 1.5¢/pt)
≈ $75 Earn on the minimum spend (at 1X base earn rate)
–$199 Card fee (Deducted from Flytrippers Valuation)

≈ $926 in net value with the welcome bonus alone

(that’s 19% back on the spending requirement of $5,000 over 3 months)

There is also an optional 10,000 point (≈ $150) bonus each calendar quarter where you spend $20,000 which is not included in our Flytrippers Valuation since that’s not recommended

Learn more our Flytrippers Valuation of welcome bonuses

Minimum fixed value of the welcome bonus

$700 Welcome bonus (70,000 pts at 1¢/pt)
$50 Earn on the minimum spend (5,000 pts at 1¢/pt)
–$199 Card fee (Deducted from Flytrippers Valuation)

$551 in net value with the welcome bonus alone

(that’s 11% back on the spending requirement of $5,000 over 3 months)

There is also an optional 10,000 point (≈ $150) bonus each calendar quarter where you spend $20,000 which is not recommended so it is not included in our Flytrippers Valuation

‣Learn more about the minimum fixed value of American Express points (coming soon)

Rewards from welcome bonus

You will have 75,000 Amex points after unlocking the Welcome Bonus.

That gives you either:

  • ≈ $1125 in rewards at the Flytrippers Valuation
  • $750 in rewards at the simpler minimum fixed value

Concrete examples of redemptions

Here are some of the actual redemptions you can get with these rewards:

12 one-way short-distance reward flights such as Montreal-New York or Montreal-Washington

7 one-way medium-distance reward flights such as Montreal-Miami or Montreal-Nashville

6 one-way longer distance reward flights such as Montreal-Costa Rica or Montreal-Mexico

1 one-way business class reward flight such as Vancouver-Japan or Montreal-Switzerland

9 one-way short-distance reward flights in several regions of the world

15 completely free nights in beautiful hotels in specific destinations like Bali

$1200 discount on specific flights that are very expensive in cash

$750 as a simple travel credit that can be applied to any travel expense or even any expense

Learn more about the best uses of Amex points

Earn rate at Flytrippers Valuation (≈ 1.5¢ per Amex MR point)

1 point per $ (≈ 1.5%) everywhere

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

Earn rate at minimum fixed value (1¢ per Amex MR point)

1 point per $ (1%) everywhere

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

American Express Experiences program
Access to exclusive virtual and in-person experiences and pre-sale tickets to lots of events.

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

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)

Insurance not included

Medical travel insurance
Trip cancelation insurance
Trip interruption insurance

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

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)

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)

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)

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

Learn more about pooling American Express points (coming soon)

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)

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)

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)

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)

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)

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)

Offer end date
Offer subject to change at any time

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

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 up to 110,000 bonus Membership Rewards® points

  • Earn a welcome bonus of 70,000 Membership Rewards® points after spending $5,000 in purchases within the first three months of Cardmembership.
  • Plus, earn 10,000 bonus points when you charge $20,000 in net purchases to your Card account each calendar quarter. This could add up to 40,000 points every year.
  • That’s up to $1,100 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.

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via Amex secure application

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Terms & conditions — Travel rewards

Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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