American Express® AIR MILES®* for Business Card Review

By: Heather Hanks Jun. 28, 2019

If your business requires you to travel a lot, then you’re in luck! The American Express AIR MILES®* for Business Card has everything you need. It allows you to redeem air miles for everyday business expenses, such as hotel stays, flights, merchandise and more. With a low annual fee of $180, the AIR MILES®* for Business Card is ideally suited for anyone who spends more time in the air than they do on the ground.

You’ll earn a welcome bonus of 2,000 miles just for signing up when you spend $5,000 on your card within the first three months of membership. Plus, you get 25% off on all Business Rewards Catalog purchases. Check out our Amex Simplycash Business Card Review and learn how this handy card can make your business travels much more enjoyable.

American Express® AIR MILES®* for Business Card

Card Type:

Charge Card

Annual fee:

$180

Overall Rating

What is the American Express® AIR MILES®* for Business Card?

If your employer is in the market for a new business card for you, then we recommend the American Express® AIR MILES®* for Business Card. This card is especially beneficial if you are a small business owner. Everyone knows you can manage your business better when you have a card that works for you. This card allows you to earn Air Miles that can be redeemed for flights, hotel stays, and more. With the American Express® AIR MILES®* for Business Card, you’ll get 1 mile for every $10 in Card purchases at eligible AIR MILES®* Partners*. You’ll also get 1 Air Mile for every $15 you spend on purchases made elsewhere.

As a welcome bonus, American Express will give you 2,000 Air Miles when you spend $5,000 within the first three months of membership. Small business owners know that this is not hard to do! You’ll also enjoy 55 days of interest free payments and your purchasing powder adjusts as you use your card. Finally, you’ll enjoy 25% off when you use your Card to make purchases on the Air Miles For Business Rewards catalog. This is an online catalog with small business owners in mind.

According to the American Express website, this card offers more than one thousand rewards. You’ll want to remember that the American Express® AIR MILES®* for Business Card is a charge card. This means you’ll have to pay off your balance in full each month. There is also an annual fee of $180. If you fail to make your payments on time, you’ll be subject to a 30% interest rate.

Here are some of the key highlights of the American Express® AIR MILES®* for Business Card:

  • American Express® AIR MILES®* for Business Card Bonus of 2,000 miles when you spend $5,000 within the first three months of membership
  • $180 annual fee and $50 for additional cards
  • 19.99% preferred rate for purchases and 22.99% for funds advances
  • Missed payments are subject to 30% interest fees and balance must be paid in full each month
  • You’ll earn 1 Air Mile for every $10 you spend in card purchases at eligible AIR MILES®* Partners*
  • You’ll earn 1 Air Mile for every $15 you spend everywhere else
  • You’ll get 25% off purchases from an online catalog designed especially for small business owners when you use your card
  • Earn up to 55 interest-free days
  • Card must be paid in full each month
  • Earn twice as many points when you use your card on purchases at Air Miles sponsors

You’ll also have access to around the clock customer service care to help you with your account. You can manage your account through an online portal, which can be accessed any time of day or night. As a small business owner, the American Express® AIR MILES®* for Business Card works with you and not against you.

You’ll have access to Expense Management Reports that include the following benefits:

Track and manage expenses easily in one place

Separate personal expenses from business expenses

Sort your expenses by spending category or vendor

Prepare your taxes easier

American Express® AIR MILES®* for Business Card Benefits

As an American Express Air Miles for Business Card holder, you’re eligible for several benefits. These include a generous welcome bonus of 2,000 Air Miles when you spend $5,000 within your first three months of membership. You also get 25% off an online catalog exclusively for small business owners. Plus, you’ll enjoy 55 interest free days when you sign up for the card. Overall, there are over one thousand different rewards associated with the American Express® AIR MILES®* for Business Card.

Here is a breakdown of some other benefits we haven’t told you about yet:

Insurance Coverage

As a small business owner, you can’t afford a card that doesn’t cover you. This is why the American Express® AIR MILES®* for Business Card protects your purchases on many different levels. Here’s is what you’ll get:

Buyers assurance protection plan

this plan protects anything you purchase with your card by doubling the manufacturers' original warranty for up to one additional year. This offer applies to anything you buy anywhere in the world as long as the warranty is good in the United States and Canada. Also, the warranty cannot go over five years. Items that are excluded from this offer include motorized vehicles, jewelry, and parts for motorized vehicles. Approval is required for any repairs made. Replacement parts and repair costs must not exceed $10,000 per item with a maximum of $25,000 in total.

Fraud protection guarantee

this plan ensures that you won’t be held responsible for fraudulent charges that are made either online or in person with your card as long as you’ve set up a PIN.

Employee card misuse protection

having a business card that pays for expenses is a big temptation for some employees! We protect you in case you have a trigger-happy employee who charges expenses that you don’t approve. You are eligible to be covered for unauthorized charges by terminating their card and membership within two business days. This feature is designed with small business owners in mind. You’ll receive coverage of up to $100,000 per membership if your employee misuses their card.

Purchase protection plan

this plan ensures that all of your purchases are protected against physical damage and theft. The limit is set at $1,000 per occurrence for 90 days from the time the card was charged for the item. Plus, you’ll be reimbursed for insured items that are not covered by other insurance plans.

Travel Coverage

Travel coverage ensures that you’ll be protected no matter where you travel in the world. With the American Express® AIR MILES®* for Business Card, you’ll get the following travel coverage perks:

Flight delay insurance

you’ll receive up to $500 when you charge your airline ticket to your American Express Air Miles card. This will help you cover all necessary and reasonably priced hotels, dining experiences, and other items that are purchased within 48 hours of being delayed for a flight. You’ll need to make sure no other possible travel options are available before taking advantage of this offer.

Hotel bulgurary insurance

your hotel is covered for up to $500 against the loss of personal items when your room is bulguralized and you booked using your American Express Air Miles card.

Car rental theft and damage insurance

this card ensures that you’ll be protected from any damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this offer, you’ll need to decline the Loss Damage Waiver offered by the rental car company and charge your rental car on your American Express Air Miles card. This coverage is free and you can save up to $23 per day from the car rental company.

$100,000 in travel accident insurance

you’ll be covered for up to $100,000, which includes accidental death and dismemberment insurance for you, your spouse and your children under the age of 23 when you travel by ship, plane, train or bus. All supplementary cardholders are covered, too. No one likes to think about the worst possible scenarios, but it’s nice to know your card covers you if something should happen!

Baggage delay insurance

this feature allows you to receive up to $500 in coverage for all emergency purchases made within four days of the flight purchase. This money can be used for emergency clothing and other items that are needed for your trip when your luggage is delayed by six hours or more.

Lost or stolen baggage insurance

you’ll be fully covered for lost or stolen baggage when you use your American Express Air Miles card to book your flight. This includes checked in and carry on luggage. You’ll be reimbursed up to $500 per trip for all insured persons combined.

Entertainment Access

Your American Express® AIR MILES®* for Business Card isn’t just good for rewarding you with travel expenses. It will also get you exclusive offers for entertainment packages from Front of the Line! Here is what you'll get when you use your American Express® AIR MILES®* for Business Card card on entertainment purchases:

Front of the line advance access

Front of the line reserved tickets

Front of the line e-updates

Special invites, offers, and experiences for card holders only

Special access for card holders only

Customer Service

American Express prides itself on having the best customer service in the game. They provide customer service no matter where you are or however you need to get ahold of them. Here are a few ways American Express is there to serve you:

24/7 customer service care

American Express does not keep regular office hours, which means that you can always get a hold of them when you need customer service. There is someone to speak with you around the clock and you can get a hold of them through your online portal. You can also call them toll-free.

Emergency card replacement

Anytime you lose your card, give American Express a call and they will send you a new one in a hurry.

Fraud protection guarantee

America Express ensures that you will not be held responsible if someone uses your card fraudulently. The company asks that you make sure to use your card responsibility by setting up a PIN

American Express® AIR MILES®* for Business Card PROS and CONS

American Express offers several different business cards, including the American Express® Business Gold Rewards Card and the American Express® AIR MILES®* for Business Card. The American Express air miles for business card represents the middle tier level. It's a good card for the average small business owner who needs affordable rewards. Here are some things we like and don't like about the American Express® AIR MILES®* for Business Card.

American Express® AIR MILES®* for Business Card PROS

  • There is a 55 day interest free grace period
  • Earn a welcome bonus of $2,000 miles when you spend $5,000 within the first three months of membership
  • Enjoy an extensive insurance coverage program that covers you in several ways, including baggage theft, hotel burglary, and more
  • There is a fraud protection guarantee that states you won't be responsible for fraudulent charges
  • You'll get entertainment access to front of the line deals for tickets and special events that are exclusive to card holders only
  • You can manage your expense reports easier as a small business owner
  • Points are easy to earn and can be accumulated every time you use your card to make business purchases
  • Miles and points are easily redeemed to help cover future costs of flights, hotels, car rentals, dining experiences, and more
  • Enjoy a 25% off discount from an exclusive online catalog design for small business owners
  • Your usage adjusts as you use your card to meet your needs
  • 24/7 customer service care provided
  • Manage your account through an online portal anytime of day or night
  • Emergency card replacement is available

American Express® AIR MILES®* for Business Card CONS

  • There is an annual fee of $180 and this may not be tax deductible
  • All payments must be made in full each month
  • Late payments are subject to a 30% interest rate
  • There are no cash back rewards for this card, which means you'll need to find another card if you're looking for this option

How To Apply American Express® AIR MILES®* for Business Card

Before you apply, you want to make sure you meet all the requirements. You must be at least 18 years old and a permanent resident of Canada. You must also have a credit history in Canada. When you're ready to apply, you can visit the website and fill out the online application. The website guarantees that you'll have a response within 60 seconds.

You'll need to enter the following information into your online application:

Your full name

Your date of birth

Your email address

American Express may also want to look at your credit history and credit score to make sure you are in good standing. For this reason, you may have to provide your social security number and other personal information regarding your current finances, such as your bank information.

Ready to Apply?

Apply for the American Express® AIR MILES®* for Business Card now and get a response in 60 seconds

American Express® AIR MILES®* for Business Card

Disclaimer

CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.

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