American ExpressFX: 2.5%Transfer PartnersBusiness
American Express
American Express Business Edge
Membership Rewards
First Year Bonus
~$680
Welcome Bonus
45,000 MR
Annual Fee
$99
Spend Required
$5,000
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Data verified Apr 12, 2026
Earn rates
3x
office supplies, electronics & rides
2x
gas, dining & transit
1x
all other purchases
Points value: ~1.5¢/pt via Aeroplan transfer
Transfer partners
Aeroplan
British Airways Avios
Marriott Bonvoy
Hilton Honors
Delta SkyMiles
Lounge access
No lounge access
Additional perks
- ✓Best lower-fee business Amex in Canada
- ✓Access to full MR transfer network
- ✓Strong business category multipliers
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkAmerican Express
Annual fee$99
Foreign fee2.5%
Income req.Business required
ProgramMembership Rewards
