Mark D.Toronto, ON · Mar 2026
★★★★★
Switched my consulting business to this. 3x on Canada Post shipping alone earns me 24,000 pts/year. Fee paid back in month 1.
Overview
The Amex Business Edge is the standout small business card in Canada. $99/year — well below most premium business cards — for 3x Membership Rewards earn on the categories most relevant to growing businesses.
You earn 3x on shipping (Canada Post, UPS, FedEx, Purolator), office supplies (Staples, Grand & Toy, online office suppliers), electronics (Best Buy, Apple, etc.), and restaurants. 1x on everything else. The categories combined cover a typical small business's $50,000+ annual operating expenses.
Bonus perks include 24/7 business concierge, expense tracking and reporting tools, and integration with QuickBooks/Wave. The card includes employee cards at $0 each (rare among Canadian business cards).
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn 70,000 Membership Rewards points
Strong welcome bonus that pays back the fee 7 times over.
70,000 pts
Spend $5,000 in first 3 months
≈ $700 in business value
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
3xx
ShippingCanada Post, UPS, FedEx, Purolator
3xx
Office supplies + electronicsStaples, Best Buy, Apple, online stores
3xx
RestaurantsSit-down + takeout business meals
1xx
Everything elseAll other business purchases
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
👤Free employee cards
Up to 99 employee supplementary cards at $0 each. Track spending per employee via online dashboard.
📊Expense tracking + reporting
Built-in expense management. Export to CSV, QuickBooks, Wave Accounting.
👔Business concierge
24/7 business concierge for travel + sourcing + bookings.
🛡️Purchase + travel insurance
Purchase protection, extended warranty, business travel medical, trip cancellation.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$99Among cheapest premium business cards
EMPLOYEE CARDS$0 eachUp to 99 supplementary
CARD TYPECharge cardPay in full monthly
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$30,000/yearBusiness or personal
Pros and cons
✓ PROS
- Free employee cards is rare and valuable
- Categories align with real small business expenses
- 3x earn beats most competing business cards
- Welcome bonus pays fee back 7x
- Membership Rewards flexible redemption
- Charge card prevents bad debt
✗ CONS
- Charge card requires monthly payoff (no carry)
- 2.5% FX markup hurts international suppliers
- No 5x category like Cobalt
- Amex acceptance gaps at smaller vendors
Who it's for
★ APPLY IF
- Service businesses with 3x category spend over $20k/year
- Multi-employee businesses needing per-employee tracking
- Existing Amex Cobalt holders adding business card
- Buyers who file expenses in QuickBooks or Wave
✗ SKIP IF
- Sole proprietors with under $10k card spend
- Businesses primarily buying internationally (FX hurts)
- Cash-flow strained businesses needing revolving credit
How it compares
We pitted this card against its closest rivals.
How to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE700+ recommended
MIN INCOME$30,000/year business or personal
OTHER ELIGIBILITYCanadian-based business · 18+
DECISION TIMEInstant decision · 5-7 day delivery
Editor's verdict
8.5/10
★★★★★
FINAL VERDICT
Canada's best small business credit card.
For businesses with meaningful shipping, office supplies, electronics, or restaurant spend, the Business Edge is a no-brainer. $99/year + 3x on the right categories + free employee cards beats every other Canadian business card at this price point.
Apply for Amex Business Edge ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.5 / 5 ★
543 reviews
Sara K.Vancouver, BC · Feb 2026
★★★★★
Best business card for my e-commerce business. 3x on shipping + electronics + supplies covers ~70% of my spend. Employee cards free is a game changer.
Pat B.Calgary, AB · Jan 2026
★★★★★
Great rewards, but limited Amex acceptance at some suppliers. Need to keep a Visa backup for ~25% of purchases.