If you have a side business, even a small or sole-proprietor one, this card can stack with the personal Platinum. Amex says sole proprietors and self-employed people may be eligible.
Quick facts
| Annual fee | $799 (Employee Platinum cards $250; Employee Gold cards $0, up to 99) |
| Card type | Charge card, no pre-set spending limit, up to 55 interest-free days |
| Welcome offer | Up to 120,000 MR points: 80,000 after $15,000 spend in the first 3 months, plus 40,000 for a purchase in months 15 to 17 |
| Earn rate | 1.25X on everything |
| Key credits | $200 Annual Travel Credit (single booking of $200+ via Amex Travel Online); up to $100 NEXUS credit; up to $240/yr Instacart; Dell/Indeed/wireless business credits |
| Lounges | Global Lounge Collection; same Jan 2027 Plaza Premium/Priority Pass change as personal Platinum |
| Foreign transaction fee | 2.5% |
Source: https://www.americanexpress.com/en-ca/charge-cards/small-business-platinum-card/. Verified on official Amex pages on October 21, 2026. Offers change often, so always check the issuer’s page before applying.
What I like
- One of the biggest bonuses in Canada
- Flat 1.25X is simple
- Employee Gold cards are free
What to watch
- $15,000 minimum spend is steep
- Same $799 fee
- Business credits only help if you use those merchants
My take
Good fit if the fee and spend line up with your real life. If it does, I’d be grateful if you used my link below.
Heads up: some links on this page are my personal referral links. If you are approved through one, I may earn points at no cost to you. Full disclosure.