American Express® AIR MILES® Gold Business Card

American Express® AIR MILES® Gold Business Card
American Express® AIR MILES® Gold Business Card
  • $0 annual fee.
  • Access to business solutions.
  • Earn 1 mile for every $15 spent at Air Miles Sponsors, 1 mile per $20 spent on all other spend.
Learn more Go to site

Earn Air Miles for your everyday business spending and redeem them for flights, hotel stays and merchandise.

30-second take

  • Get this card if you want to reap the rewards of your business spending and pay no annual fee.
  • Pick something else if you want cash back or extensive insurance coverage.
  • Apply with a good to excellent credit score of 650 or higher.
Product NameAmerican Express® AIR MILES® Gold Business Card
RewardEarn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Welcome OfferOffers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
Purchase Interest Rate19.99%
Cash Advance Rate22.99%
Balance Transfer RateN/A
Interest Free Period Up to 21 days
Go to site
More Info
Annual Fee$0
Monthly Service FeeN/A
Over Credit Line Fee$29
Penalty APR23.99% - 26.99% Variable
Dishonoured Payment Fee$25
Foreign Currency Conversion Fee2.5%
Late Payment Fee$25
Go to site
More Info
Credit RatingFair, Good, Excellent
Minimum AgeAge of majority in province/territory of residence
Minimum IncomeN/A
Household IncomeN/A
Go to site
More Info

The basics

The American Express® AIR MILES® Gold Business Card is a no annual fee card that offers cardholders the chance to earn 1 Air Mile for every $15 spent at Air Miles Sponsors and 1 Air Mile for every $20 spent elsewhere. The card comes with a welcome bonus of 150 Air Miles if you spend $1,000 in the first 3 months as a cardholder.

This no annual fee card is a regular credit card with the flexibility to pay balances in full. If you prefer to carry a balance on your card, you can alternatively pay the minimum amount due each month.

Aside from earning Air Miles, the AIR MILES Gold Business Card comes with access to business tools which can help you maximize your cash flow and organize your business expenses.

The perks

  • 150 Air Miles welcome bonus offer.

To earn 150 Air Miles Reward Miles, you will need to be a new cardholder and spend $1,000 in purchases during your first 3 months of card membership.

  • $0 annual fee credit card.

This credit card comes with $0 annual fee. Unlike the commonly offered charge card, this card is a regular credit card which gives you the flexibility to pay only the minimum each month.

  • Earn 1 Air Mile for every $15 spent at eligible stores.

Earn 1 Air Mile for every $15 you spend at Air Miles Sponsors, likewise earn 1 Air Mile for every $20 spent everywhere else.

You’ll also like …

  • Access to business solutions.

Receive access to helpful business solutions that can assist you with your business anytime, anywhere. These tools can help you manage your business and cashflow.

  • Earn twice the Air Miles.

Show your Air Miles Collector Card when paying with your American Express AIR MILES Gold Business Card at Air Miles Sponsors and get twice the Air Miles points.

  • Free additional cards for employees.

Hand out cards to your employees without paying any annual card fees.

  • Referral program.

Refer a family member or friend who is a business owner and receive a bonus of 50 Air Miles for each approved referral.

What to watch out for

  • Cash advance rate.

The card’s cash advance rate is 22.99%. Remember that you will be charged this APR from the moment you withdraw the cash.

  • Not as widely accepted overseas.

Compared to Visa and Mastercard, American Express is much less widely accepted in locations across Canada, the US and around the world. This might provide you with less opportunity to use the card, and therefore less opportunity to reap the rewards.

  • It hurts to pay late.

If you pay off your balance late, you will incur an interest rate of 23.99% - 26.99% Variable. Additional fees and charges may occur such as Late Payment Fee of $25.

Consider other cards if …

  • You don’t use Air Miles.

If you don’t collect and redeem Air Miles Reward Miles, a different card will likely suit your needs better. With a high annual fee, this card tends to be beneficial for small business owners who frequently travel and take advantage of the Air Miles offers, as well as the host of travel insurances on offer.

  • You want more extensive insurance.

American Express are praised for their extensive insurance coverage, however the American Express AIR MILES Gold Business Card does not come with much insurance coverage, aside from Travel Accident Insurance and a Disability Plan for your small business. You’ll need to consider a different card if you’re looking for more extensive coverage.

  • You want cash back.

If you’re looking to reap the benefits of cash back, you may want to consider a cash back rewards card. These types of cards typically offer anywhere from 1-5% cash back on purchases. If you spend frequently on gas, groceries and dining out, a cash back rewards card may be more beneficial for you than a travel rewards card.

Compare other American Express credit cards

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 2,400 Air Miles Reward Miles when you spend $3,000 within first three months of membership.
19.99%
22.99%
$299
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 5,000 Bonus Aeroplan Miles when you spend $500 in the first three months of membership. For new cardmembers only.
N/A
N/A
$60
Earn 1 Aeroplan Mile for every dollar spent. Double your miles on purchases at over 150 Aeroplan partner brands.
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Offers 15,000 bonus Aeroplan Miles when you spend $1,500 within your first 3 months of membership.
N/A
N/A
$120
Earn 1 Aeroplan Mile for every dollar you spend up to $10,000 and 1.25 Aeroplan Miles for every dollar spent over $10,000 per year.
Offers 50,000 bonus Aeroplan Miles when you spend $3,000 within the first three months of membership.
19.99%
22.99%
$899
Receive a bonus $200 in annual travel credit to use towards flights, car rentals, hotels and more.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
Offers 2,000 bonus AIR MILES Reward miles when you spend $5,000 within the first 3 months of membership.
N/A
N/A
$180
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.
Receive 50,000 Marriott Bonvoy™ points when you charge $1,500 in the first 3 months of card membership.
19.99%
22.99%
$150
Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties, and 3 points for every dollar spent on eligible gas, dining and travel.
Offers 30,000 bonus points when you spend $5,000 within the first three months of membership.
N/A
N/A
$250
Earn one point for every dollar spent and one additional point for every dollar spent at three eligible merchants of your choosing.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Offers 40,000 bonus Aeroplan Miles when you spend $3,000 within the first three months.
N/A
N/A
$499
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
Receive 50,000 bonus Membership Rewards points when you spend $3,000 within the first three months of membership.
N/A
N/A
$699
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
Receive 2,000 bonus AIR MILES Reward miles when you spend $1,500 within the first three months of membership.
19.99%
22.99%
$65
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Receive 40,000 points when you spend $5,000 within first three months of membership.
N/A
N/A
$499
Earn 1.25 points for every dollar you spend with no limit to the number of points you can accumulate.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Receive 5% cashback (up to $300 cashback) in the first six months.
19.99%
22.99%
$99
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

Compare up to 4 providers

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Earn 2.5% cash back (up to $150 cash back) in the first three months.
19.99%
22.99%
$0
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
Offers 150 AIR MILES Reward Miles when you spend $1,000 within the first 3 months of membership.
19.99%
22.99%
$0
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.

Compare up to 4 providers

What should I know before I apply?

To apply for the American Express AIR MILES Gold Business Card, you will need to meet the following criteria:

  • Be at least 18 years old, or the age of majority in your province or territory.
  • Be a Canadian citizen or a permanent resident and have a valid Canadian credit file.

What credit score do I need?

Having a good to excellent credit score of 650 or higher will give you a better chance of your application being approved. Also having a relatively high annual income or combined household income may be beneficial for approval.

Other factors that might affect your odds of approval include:

  • Few hard inquiries on your credit report. Having several hard pulls listed on your credit history can indicate to lenders that you’re desperate for credit or have trouble managing your current debt. The provider may be less likely to approve your application if this is the case.
  • Factors that tie into your credit score. Your credit utilization ratio can play a major factor in the approval of your application. Customers who have low balances relative to their credit limits are usually preferable to providers.

What do customers say about this credit card?

Customers cite that the American Express AIR MILES Gold Business Card is a good card if you’re looking to avoid paying an annual fee. Business owners are pleased with access to the business tools, however many cardholders note that there are other cards that offer much better Air Miles earn ratios.

In addition, some negative reviews state that the company has inflexible policies. Cardholders also feel that the insurance coverage is lacking, however keep in mind that the card has $0 annual fee.

How to apply for the American Express AIR MILES Gold Business Card

  1. Click Go to site on this page to be directed to the American Express AIR MILES Gold Business Card page, and click Apply Now Securely.
  2. Complete the application with information including your full name, home address, income and business details.
  3. Review and submit your application.

How long will it take to get my American Express AIR MILES Gold Business Card?

Pre-approval for an American Express credit card is automated on the website, which means you may get a decision on your application within just 60 seconds. If there are issues with your application, such as missing information, it may take a few 10 days to hear back.

Once your application has been approved, you’ll typically receive your card in the mail within 5 to 10 business days.

I got the card. Now what?

  • Make your repayments.
    Register for an account on the American Express website to pay your balance online and enroll in autopay. Since this card is a regular credit card, you can pay off anywhere from the minimum to the full balance each billing cycle. If you don’t pay the balance in full, you will face an APR of 19.99%.
  • Avoid fees.
    Late and returned payments will incur fees, so be sure to pay on time. If you’re enrolled in autopay, be sure to have enough funds in your account to pay off your balance each billing cycle.
  • Contact American Express.
    If you’re not able to find what you need on the American Express Canada website, call 1-877-891-0821 and speak to a customer service representative.

Bottom line

The American Express® AIR MILES® Gold Business Card is an option worth considering if you’re looking for a no annual fee business credit card. It’s especially worth considering if you’re just starting out your business journey and you’re looking for your first business credit card. You can earn Air Miles Reward Miles that can take you around the world and maximize your business cash flow using the business tools.

However, if you’re looking for premium perks and more extensive insurance coverage, a different credit card may be a better option for you. Before you apply for any credit card, take the time to compare a variety of cards to determine which one best suits your financial situation and spending habits.

Back to top

Frequently asked questions about the American Express AIR MILES Gold Business Card

Pictures: americanexpress.com/ca

Was this content helpful to you? No  Yes
Go to site