Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit membershiprewards.ca for full Membership Rewards Terms and Conditions. Membership Rewards point transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com. This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 19.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement. Interest will not be charged on transactions and you will have an interest grace period of up to 31 days from the closing date on your statement if every month we receive payment in FULL by the next statement date after the transaction first appeared on your billing statement. Payment in FULL means payment of the total new balance shown on your statement which is made up of all charges to your account (including purchases, funds advances, fees and other charges) up to the closing date. Global Lounge Collection - Holders of the Business Platinum Card may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis, upon presentation of the required entry documentation. Participating Lounges may change from time to time. House rules, terms and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. The Centurion® Lounge – Business Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Cardmembers may bring up to two (2) companions into many of The Centurion Lounge locations. Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. Guest access policies may vary internationally by location and are subject to change. To access The Centurion Lounge, the Business Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Business Platinum Card or valid Supplementary Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Business Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass. Business Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Business Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Business Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Business Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Cardmembers for access into our lounge is not permissible. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. For a complete listing of lounge locations, including guest access policies for each lounge location, visit americanexpress.ca/business-platinum-lounge. Plaza Premium Lounges - Business Platinum Cardmembers have complimentary access to Plaza Premium Lounges. Supplementary Gold Cards on Business Platinum accounts are not eligible for complimentary access. Business Platinum Cardmembers may bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Business Platinum Cardmember. To access a lounge, Business Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Business Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Business Platinum Cardmember/guest(s). International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. For a complete listing of lounge locations, visit americanexpress.ca/business-platinum-lounge. To receive Fine Hotels & Resorts program (FHR) amenities and rates, reservation must be booked at FHR negotiated rates and room categories through Platinum Card Travel Service from Amex Canada Inc. Payment must be made with an American Express® Card in the Business Platinum Cardmember’s name. Room upgrade based on availability. Limit one amenity per room, per stay. Amenity restrictions vary by hotel, are subject to change, and cannot be redeemed for cash. Business Platinum Card members may book up to three (3) rooms inclusive of FHR rates and amenities and must accompany the party as a guest for which FHR reservations are made. In the event the Business Platinum Card member cancels the reservation(s), FHR rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FHR property are considered one stay. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. All Eligible Purchases: 1,000 points = $10 statement credit. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes. Please consult your tax professional. This offers are only available to new Business Platinum Card® Cardmember (‘Cardmembers’). For current or former American Express Small Business Cardmembers, we may approve your application, but you will not be eligible for these offers. If you receive points in error, we reserve the right to deduct them from your points balance. Offers subject to change. Account must be in good standing. All deductions for returns made on eligible purchases will be calculated at the earn rate in effect at the time of the return. This means that the points deducted from your points balance may be different from the amount originally earned. Points may be deducted if returns result in the required spend threshold not being achieved. Please allow up to 8-10 weeks after earning your points for your account to be updated. This offer cannot be combined with any other offer. Subject to change without notice. To qualify for a Welcome Bonus of 90,000 points, you must have at least $6,000 in net purchases posted to your account in your first 3 months of Cardmembership. If you have already applied for an American Express Small Business Card without using this recommendation, you will not be eligible for this bonus Membership Rewards points. Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada and cards issued by a licensed third party issuer (as applicable) are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. Subject to offer terms and conditions, and full program terms. Flexible Payment Options gives you the option to pay a portion of your balance over time, with interest, if you want to. You will only pay interest on charges you choose to pay over time at a standard annual rate of 19.99%. By participating in the Pay with Points program (the “Pay with Points Program”) using American Express Membership Rewards® (“MR Points”) when making an eligible purchase on the Canadian edition of AirCanada.com or the Air Canada mobile app, you agree to these Terms and Conditions for the Pay with Points Program for Air Canada (“Terms and Conditions”). Eligible purchases include only those flight purchases made directly on the Canadian edition of AirCanada.com or the Air Canada mobile app. RBC travel insurance purchases are not eligible purchases for the Pay with Points Program. You agree that Amex Bank of Canada and its affiliates (collectively, “Amex”) may collect personal information from Air Canada and its affiliates (collectively, “Air Canada”) that you have provided and that is necessary to facilitate your transaction using Pay With Points for Air Canada. Amex may share information with Air Canada regarding your MR Points account for the sole purpose of managing and facilitating the Pay with Points Program using MR Points. This information sharing allows us to determine your card’s eligibility, and Amex may provide Air Canada with information about your MR Points account, including your total MR Points balance. We may also collect information that you have provided to Air Canada so that we can perform our functions with respect to the Pay with Points Program, including processing payments made with MR Points. Neither Air Canada nor Amex will use information provided to it by the other party in support of the Pay with Points Program for any purpose other than as expressly set forth in these Terms and Conditions. An "Eligible Card" is a valid, Membership Rewards enrolled (a) American Express Consumer Card, (b) Business Card from American Express, or (c) American Express Corporate Card (“Corporate Card”), which must be issued in Canada by Amex. You will only be able to use MR Points if you are the primary account holder of the Eligible Card. In addition, the Eligible Card account must also be in good standing and not in default at the time of redemption. To participate, you must have an Eligible Card and have at least 1 point in your MR Points account. A minimum of 10 points is required to redeem using Pay with Points. To view your available MR Points balance, go to membershiprewards.ca. MR Point redemption rate will be calculated as determined by Amex and may vary for future purchases. The total amount for the eligible flight purchase will be charged to your Eligible Card account whether you redeem MR Points towards some or all of the eligible flight purchase amount. When you choose to use MR Points for an eligible purchase, and select “I accept, purchase”, Amex will debit the number of MR Points of your corresponding selection from the Membership Rewards account linked to the Eligible Card. You may select up to the total amount of MR Points required to cover the total purchase amount or up to the full value of your MR Points balance, whichever is less, to the nearest $.01. Furthermore, a statement credit in an amount equal to the dollar amount of your selection will be issued to the Eligible Card account. Please allow up to 2-4 business days for the corresponding statement credit to be reflected on your Eligible Card account. If a statement credit is processed after your Eligible Card account’s billing period, it will appear on your next statement. Remember, the minimum amount due on your Eligible Card account must be paid by the due date. If there is a processing error with your choice to use MR Points, your Eligible Card will be charged, and the corresponding statement credit will not be issued to the Eligible Card account for your transaction. In this event, if you would like to use MR Points for your transaction, please call the number on the back of your Eligible Card and Amex will be happy to assist you. Certain transactions on AirCanada.com or the Air Canada app are not eligible for purchases using MR Points in the Pay with Points Program, and these may change at any time and without notice and at Amex’s discretion. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with your Eligible Card. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your transaction, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points account at the time your MR Points are ultimately redeemed. If you do not have enough MR Points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Eligible Card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using your MR Points at AirCanada.com or the Air Canada app. Returns are subject to Air Canada’s refund policy. If Air Canada accepts a return for a transaction you made using only MR Points, Air Canada will refund the corresponding dollar amount of the purchase to the Amex card account used. If Air Canada accepts a refund for a transaction you made using MR Points and another payment method, Air Canada may, in its sole discretion, credit the return to the other payment method before crediting the corresponding dollar amount of MR Points. Please allow 2-4 business days for the refund to appear on your statement. In neither case will the points you redeemed for the purchase be returned to you. If you no longer have an Eligible Card account, Air Canada may process your refund by providing you with an Air Canada gift card. If you use a Corporate Card to make a purchase (whether alone or in conjunction with MR Points), you agree that you are using the Corporate Card in accordance with your company’s policy. In the event that a refund results in a credit to your Corporate Card instead of a return of MR Points, it is your sole responsibility to resolve this with your company and you agree to hold Air Canada and Amex harmless in respect of any loss you or the company may incur. Amex Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners. If you have questions regarding your MR Points or your MR Points account, please contact Amex at the number listed on the back of your Eligible Card. ®: Used by Amex Bank of Canada under license from American Express. ®*: Aeroplan, AeroplanPlus, the Aeroplan logo, Fixed Mileage Flight Rewards, and Market Fare Flight Rewards are registered trademarks of Aeroplan Inc.