American Express Business Card Offers

Q: Which Amex Business card offers the biggest welcome bonus?

The American Express Business Platinum Card currently offers the most generous bonus: up to 120,000 Membership Rewards points (80,000 after $15,000 in spending within 3 months + an additional 40,000 in months 15-17). The Aeroplan Business Reserve Card follows with up to 90,000 Aeroplan points (65,000 after $10,500 within 3 months + 25,000 in month 13). The Business Bonvoy comes in at 80,000 points and the Business Gold Rewards at 70,000 points.

Q: Can a self-employed person get these Business cards?

Yes. American Express defines business broadly: self-employed workers, freelancers, incorporated consultants, and sole proprietors are generally eligible. You'll need a business name (your legal name is sufficient for a sole proprietor), business contact information, and annual revenue. No public minimum income is required, but Amex conducts a personal credit check and the cardholder remains personally liable for the balance. Have your business number (NEQ or federal) ready to speed up the application.

Q: How do I reach $15,000 in spending within 3 months with the Business Platinum?

The target represents approximately $5,000 per month, which is realistic for most active businesses. Route Meta and Google Ads, software subscriptions (Microsoft 365, Adobe, Slack), accounting and legal fees, B2B suppliers and invoices, and even certain taxes via PaySimply or Plastiq. Many entrepreneurs concentrate a planned major expense (furniture, equipment, quarterly advertising campaign) during the 3-month period to ensure they meet the threshold without overspending.

Q: Does the Amex Business card affect my personal credit?

In two ways. First, the application triggers a hard inquiry on your personal Canadian credit file, which may temporarily lower your score by a few points. Second, while balances are generally not reported to personal bureaus (Equifax, TransUnion) when paid on time, late payments and defaults can be reported and hurt your score. The advantage: responsible use keeps large business expenses off your personal utilization ratio, which is helpful if you're applying for other cards the same year.

Credit Cards American Express Business Card Offers

To the point Here are the welcome offers for American Express Business Cards: Membership Rewards, Marriott Bonvoy, Aeroplan.

American Express has launched new offers for its Small Business Cards. These cards are available to professionals, self-employed individuals, or small business owners.

Up to 120,000 points with the Business Platinum Card^® from American Express
Up to 90,000 points with the Aeroplan Business Reserve American Express^® Card*
Up to 70,000 points with the American Express^® Business Gold Rewards Card
Up to 80,000 points with the Marriott Bonvoy^® Business American Express^®* Card

Business Platinum Card^® from American Express

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

120,000 Aeroplan points
120,000 Avios
120,000 Flying Blue Miles
144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
$200 Annual travel credit
$100 Card Statement Credit for Nexus
Marriott Bonvoy Gold Elite status
Hilton Honors Gold Elite status
Access to the Fine Hotels and Resorts program
Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card^® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express Business Card Offers - business platinum centurion card

American Express^® Business Gold Rewards Card^®

Earn a welcome bonus of up to 70,000 Membership Rewards^® points with the American Express^® Business Gold Rewards Card^®

50,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.
20,000 additional points after spending $30,000 on your Card in your first 12 months of Cardmembership.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.

With this Card, you earn 1 Membership Rewards point per dollar on your purchases.

You can then use your points in many ways:

Statement credit for travel purchases
Statement credit for all purchases
Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.).
Book your flight with American Express Travel at a special rate

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

70,000 points Aeroplan
70,000 Avios
70,000 Flying Blue Miles
84,000 Marriott Bonvoy points

Alternatively, 70,000 Membership Rewards points can also represent a value of $700 for travel or for any purchase charged to the Card.

Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.

Finally, you are covered with reliable insurance for your travels and purchases.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Aeroplan^®* Business Reserve Card

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 Aeroplan points:

Earn 65,000 Aeroplan points after making $10,500 in purchases in the first three months.
Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada^®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Marriott Bonvoy^® Business American Express^®* Card

The Marriott Bonvoy^® Business American Express^®* Card is the best credit card for the self-employed, professionals and small business owners who travel.

With this welcome offer, you can get up to 80,000 Marriott Bonvoy points:

Get 70,000 points after charging a total of $5,000 to your Card in your first 3 months of Cardmembership.
Plus, earn 10,000 points when you spend $1,000 on your Card in your 13th month of Cardmembership

It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :

Gas
Dining
Travel

And 2 points per dollar on all other purchases.

Like all American Express Canada Cards, there is no minimum income requirement.

Marriott Bonvoy: Charge your Marriott Bonvoy expenses to your room bill! - bonvoy business card featured image

Conclusion

If you have expenses planned over the next few months, this is the best time to apply for one of these offers.

For example, you could pay your municipal taxes or your income taxes via Plastiq or PaySimply to help you reach the minimum amount required by these cards.

To help you choose, check out these two tutorials:

Frequently Asked Questions about American Express Business Card Offers

Here are frequently asked questions in the milesopedia community about this card.

Which Amex Business card offers the biggest welcome bonus?

The American Express Business Platinum Card currently offers the most generous bonus: up to 120,000 Membership Rewards points (80,000 after $15,000 in spending within 3 months + an additional 40,000 in months 15-17). The Aeroplan Business Reserve Card follows with up to 90,000 Aeroplan points (65,000 after $10,500 within 3 months + 25,000 in month 13). The Business Bonvoy comes in at 80,000 points and the Business Gold Rewards at 70,000 points.

Can a self-employed person get these Business cards?

Yes. American Express defines business broadly: self-employed workers, freelancers, incorporated consultants, and sole proprietors are generally eligible. You’ll need a business name (your legal name is sufficient for a sole proprietor), business contact information, and annual revenue. No public minimum income is required, but Amex conducts a personal credit check and the cardholder remains personally liable for the balance. Have your business number (NEQ or federal) ready to speed up the application.

How do I reach $15,000 in spending within 3 months with the Business Platinum?

The target represents approximately $5,000 per month, which is realistic for most active businesses. Route Meta and Google Ads, software subscriptions (Microsoft 365, Adobe, Slack), accounting and legal fees, B2B suppliers and invoices, and even certain taxes via PaySimply or Plastiq. Many entrepreneurs concentrate a planned major expense (furniture, equipment, quarterly advertising campaign) during the 3-month period to ensure they meet the threshold without overspending.

Does the Amex Business card affect my personal credit?

In two ways. First, the application triggers a hard inquiry on your personal Canadian credit file, which may temporarily lower your score by a few points. Second, while balances are generally not reported to personal bureaus (Equifax, TransUnion) when paid on time, late payments and defaults can be reported and hurt your score. The advantage: responsible use keeps large business expenses off your personal utilization ratio, which is helpful if you’re applying for other cards the same year.

Come to discuss that topic in our Facebook Group!

Jean-Maximilien Voisine

Jean-Maximilien Voisine is the President and Founder of Milesopedia and a leading expert in rewards programs, credit cards, and travel across Canada, France, and the U.S.A. Now 40 years old and a father of two, he has explored more than 100 countries—many of them alongside his wife Audrey and their children. Specializing in loyalty programs such as Aeroplan, Flying Blue, American Express Membership Rewards, and Marriott Bonvoy, Jean-Maximilien helps travellers unlock the full potential of their points and benefits. His mission: empower others to travel better and smarter across North America and Europe.

All posts by Jean-Maximilien Voisine

Conclusion

Frequently Asked Questions about American Express Business Card Offers

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