The American Express (Amex) Platinum Card is one of Amex’s premium credit cards, known for its generous benefits—and accordingly, a high annual fee. In fact, Amex offers two types of Platinum Cards in Canada: the Personal Platinum Card with a $799 CAD annual fee, and the Business Platinum Card, which this article focuses on.
Amex allows sole proprietors (self-employed individuals) to apply for business cards without requiring an incorporated company.
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Special Offer
There is also a hidden bonus: if you can spend CAD $75,000 within four months, contact us directly for details.
📧 Email: [email protected]
📨 Contact Form: https://tripwinego.com/contact-us/
Current Welcome Offers
Up to 130,000 MR points
Spend $15,000 in 3 months → get 90,000 points
One transaction in both month 14 and 17 → additional 40,000 points
Annual fee: $799
Includes $200/year Travel Credit
Card Ratings
Long-term use: 4.5
Spending rewards: 4
Insurance & perks: 5
Design: 5
Amex Application Basics
Income Requirements:
Amex Canada no longer requires a minimum income for application.
Welcome Bonus Policy:
You can only receive the welcome bonus once per product, not per card type. For example, if you’ve had the Amex Gold Personal Card and received the bonus, you’re still eligible for a bonus on the Amex Platinum Personal or Business Card.
Charge Card Details
This is a charge card, not a traditional credit card.
No preset spending limit
Must pay the full balance monthly
Late payments incur 30% interest (unlike standard cards that allow minimum payments)
Membership Rewards (MR) Points Overview
For each $1 spent, you earn 1.25 MR points.
(Compare that to the U.S. Personal Platinum Card, which only earns 1 point per $1.)
Points can be transferred 1:1 to partners like British Airways and Air Canada—flexibility is key for travelers who may fly different airlines.
Major Benefits Overview
Dell Credits: $100 CAD statement credit every 6 months
Must use the card at Dell.ca
Travel Credits: $200 CAD annually
Previously exclusive to Personal Platinum
Mobile Phone Bill Credits: $10 CAD/month
Just pay your mobile bill with the card
Airport Lounge Access: Unlimited access for cardholders and a guest
Includes Priority Pass Select lounges
Hotel Elite Status:
Marriott Bonvoy Gold
Hilton Honors Gold
Car Rental Perks: Free upgrades with Avis and Hertz
Insurance and Protections
Extended Warranty: +1 year
Purchase Protection: 120 days
Travel Accident Insurance: Up to C$500,000
Emergency Medical (Out-of-Province): 15 days
Trip Cancellation: C$2,500
Trip Interruption: C$2,500
Flight Delay: C$1,000
Baggage Delay: C$1,000
Lost Baggage: C$1,000
Hotel Burglary: C$1,000
Rental Car Insurance: Included
Annual Fee Assessment
Annual Fee: C$799
Supplementary Platinum Card: C$250
Supplementary Gold Card: $0 (up to 99 additional cards)
Value breakdown:
Hilton Gold Membership: ~$860 USD
Marriott Gold Membership: ~$725 USD
This doesn’t even include the 1.25x points, lounge access, or other perks.
How to Apply
Interested in the card? Click the link below to go to the official Amex Canada application page.
