Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
American Express Business Platinum Card
Our take: strongest for groceries and gas — about 2.1% back in value (est.) for $799 a year, plus a welcome bonus we value at roughly $2,040.
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- Our review
The Business Platinum Card from American Express is Amex Canada’s top-tier business charge card, built around airport lounge access, a large annual travel credit, and a bundle of business-service statement credits rather than everyday bonus-category earning. It’s aimed at business owners who travel often and will actually use the perks — not businesses looking for the highest possible cash-back rate on day-to-day spend.
MoneyMint rating
#5 of 15 business cards · How we rate
≈ $1,758
estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. Compare all 15 business cards →
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Further Reading
American Express Business Platinum Card
Best for groceries and gas · $799/year · ~$2,040 welcome bonus (est.)
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by American Express and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the American Express Business Platinum Card?
The American Express Business Platinum Card has an annual fee of $799/year for the primary card; $250/year per additional Business Platinum card; supplementary Business Gold cards are free (up to 99).
What is the rewards rate on the American Express Business Platinum Card?
The American Express Business Platinum Card offers: Flat 1.25 Membership Rewards points per $1 on all purchases, no bonus categories, uncapped
Does the American Express Business Platinum Card have a welcome bonus?
Up to 120,000 Membership Rewards points Confirmed directly on amex.ca (Aug 2026): 80,000 points after $15,000 in purchases in the first 3 months, plus 40,000 points for a purchase made between months 15–17, for up to 120,000 total. The 130,000-point figure a secondary source cited is not reflected on Amex’s own current offer page.
What credit score do I need to qualify for the American Express Business Platinum Card?
Generally, you’ll want an excellent credit score to be considered for the American Express Business Platinum Card. Approval also depends on income and overall credit history, not credit score alone.
Does the American Express Business Platinum Card charge foreign transaction fees?
2.5%