Home › Cards › Canada › Business Gold Rewards Card
Business Gold Rewards Card
CANADA CREDIT CARD

Business Gold Rewards Card

American Express Canada · Annual fee CA$199 CAD · Membership Rewards Points · data refreshed October 3, 2026

Quick answer: The Business Gold Rewards Card carries a CA$199 annual fee and 9 catalogued benefits, 1 of them dollar credits worth CA$100 a year at face value; its best earning category is Everything else at 1x. Welcome offer: Earn up to 70,000 Membership Rewards points: 50,000 points after spending $7,500 in the first 3 months, plus 20,000 additional points after spending $30,000 in the first 12 months.. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Everything else1x1.4%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (1)

$100 Annual Dell Credit

CA$100/yr
Semi-annualEnrollment required

Up to $50 CAD in statement credits per semi-annual period for qualifying purchases made online at dell.com/en-ca. Enroll through Amex Offers. Credits apply to the purchase amount after taxes and applicable fees. Up to $100 annually.

Protections (8)

Rental Car Insurance

CA$75/yr
Annual

Rental car collision and loss damage insurance for vehicles with an MSRP of up to $85,000, for rental periods up to 48 consecutive days. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.

Mobile Device Insurance

CA$50/yr
Annual

Mobile device insurance covering theft, loss, or accidental damage for devices purchased with the card, up to $1,000 per claim. Coverage applies for up to 2 years from the date of purchase. Subject to terms and conditions of the master policy.

Flight Delay Insurance

CA$25/yr
Annual

Flight delay insurance providing up to $500 for reasonable expenses including meals, accommodations, and essential items in the event of a flight delay of 4 or more hours, when the fare is charged to the card.

Baggage Insurance

CA$25/yr
Annual

Baggage insurance providing up to $500 per person for emergency purchases when baggage is delayed or up to $500 total for lost or stolen baggage during a trip where the common carrier fare was charged to the card.

Purchase Protection

CA$25/yr
Annual

Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence.

Extended Warranty

CA$25/yr
Annual

Extended warranty coverage that doubles the original manufacturer's warranty period by up to one additional year. Items must be purchased entirely with the card.

Hotel Burglary Insurance

CA$10/yr
Annual

Hotel/motel burglary insurance providing up to $500 per occurrence for loss of personal property due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.

Travel Accident Insurance

CA$5/yr
Annual

Travel accident insurance providing up to $100,000 in accidental death and dismemberment coverage when the full fare for a common carrier (airline, train, bus, etc.) is charged to the card.

How to track it

Add the Business Gold Rewards Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other American Express Canada cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.