Amex Business Platinum Card Canada Review: 1.25x Points, Air Canada Perks, Lounge Access and $799 Annual Fee

Overview for Canadian business owners

The Amex Business Platinum Card Canada is built for entrepreneurs who travel often and spend significantly on behalf of their company. With a $799 annual fee, the card delivers premium travel perks, a stainless steel card option, and no pre-set spending limit that suits growing Canadian businesses.

Canadian owners will recognise the value in Membership Rewards flexibility and Air Canada partnerships that make the Amex Business Platinum Card Canada a go-to for frequent flyers. The card is positioned to offset its fee for those who travel, network and redeem points strategically.

Points, transfers and earning strategy

Cardholders earn 1.25x Membership Rewards points on every eligible dollar, so the Amex Business Platinum Card Canada helps rack up points quickly with uncapped earnings. Points transfer to airline and hotel partners, can be used on American Express Travel or for statement credits, and are especially useful for Air Canada and partner redemptions.

To maximise value, concentrate high-ticket business expenses on the card and transfer points to frequent flyer programs when transfer bonuses appear. The Membership Rewards ecosystem in Canada keeps redemption options broad, from flights with Air Canada to hotel stays and Amazon.ca purchases.

Travel perks, lounge access and insurance

Access to over 1,300 lounges worldwide, including Plaza Premium and select partner clubs, is a key draw for the Amex Business Platinum Card Canada. Additional travel perks such as special hotel programs, a $100 CAD NEXUS credit every four years, and mobile device insurance add real day-to-day value for the travelling owner.

The card also includes extensive travel insurance: up to $5,000,000 emergency medical coverage for short trips, trip cancellation and interruption benefits, baggage and flight delay protections, and rental car coverage. These protections can make the $799 fee worthwhile when you travel frequently for business.

Fees, flexibility and who should apply

The $799 annual fee and $250 supplementary Platinum card fee mean this card is best for businesses with substantial monthly outlays. The no pre-set spending limit feature provides buying power when large expenses arise, while quarterly expense reports simplify bookkeeping and reconciliation for Canadian accounting practices.

Eligibility typically requires Canadian residency and a strong credit profile; a 740+ credit score improves approval odds. If the fee feels steep, consider lower-cost alternatives like the American Express Business Edge or Marriott Bonvoy Business cards, but for frequent travellers the Amex Business Platinum Card Canada often justifies its premium.