American Express® AIR MILES® Gold Business Card

First year rewards (up to)

Gift card
150 Air Miles when you charge a total of $1,000 in purchases to your Card within your first 3 months of Cardmembership Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 21.99%
Balance transfer: 21.99%
%
Purchase interest rate
Cash advance: 21.99%
Balance transfer: 21.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
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Rewards
Earn points on each dollar you spend
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Earn 1 reward mile for every $20 in Card purchases everywhere else.
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of an Air Mile

The average dollar value of an individual Air Miles Reward Point is $0.121. To see how we calculated this, click here.

How to Redeem your Air Miles Reward Points

Step by Step Guide

  • If you DO NOT have an online Air Miles account and don’t know your Air Miles collector number, call American Express or BMO (your credit card provider) give them your credit card number and they will give you your 11-digit Air Miles collector number.
  • Once you have your Air Miles collector number you can create an account at airmiles.ca and can login to redeem your miles.
  • If you DO have an online Air Miles account, login at airmiles.ca.
  • To redeem miles for travel go to dream rewards and search for flights under the travel section.
  • To book a flight, select your departing airport, arrival airport and travel dates.
  • Available flights are displayed with the amount of miles required to book. The mileage requirements for flights within North America include fuel surcharges but don’t include other taxes and fees that have to be paid in addition to the required miles.
  • Mileage requirements for flights outside of North America do not include fuel surcharges. Taxes and fees for these flights can be over $500.
  • To redeem miles for a flight you need to have at least 85% of the required miles: the remaining miles can be purchased for 30 cents/mile + tax.
Insurance
Benefits
Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel Accident Insurance
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability

Card details

Network: American Express
Provider: American Express
Card type: Rewards, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 21.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 21.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: Any amount
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)

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Earn $150 in bonus points for travel with your first $1000 in everyday purchases + 4x the points on groceries, gas, dining, and entertainment.

Balance transfer offer: You could get a 0% promotional interest rate for 12 months, with no annual fee.

No foreign transaction fees + 1% cash back on all of your purchases + free roadside assistance.

First year annual fee is waived (value of $99) + 4% cash back on groceries & gas, 2% cash back at drug stores and on bills.

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Get more details

  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
  • You and any Supplementary Cardmembers added to your account pay no annual fee for the first year of Cardmembership.
  • Earn 1 point for every dollar in purchases charged to the Card. Plus, there is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your card. Then you can reedeem points for a statement credit.
  • You can maximize your cash flow with up to 55 interest free days. Use the Card throughout the month for all of your everyday business expenses, and earn reward points while you're at it.
  • Take advantage of purchasing power that grows with your business. 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.
  • Make the most of a suite of business management tools that give you more control over your business - anytime and anywhere.
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • *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.