Received the following email from Amex as a Business Platinum cardholder. Check your email for the link to claim the offer.
Based on how I understand this, you may add up to 3 supplementary cards with the following benefits:
- Employee AMEX Business Gold card: $0 fee, earn 5X bonus MR points for every $1 spent on the supplementary card up to 10K points ($2000 spend) per card
- Employee AMEX Business Platinum card: $250 fee, earn 5X bonus MR points for every $1 spent on the supplementary card up to 35K points ($7000 spend) per card
I think the real value here is from adding supplementary Business GOLD cards since they are free, and give 5x bonus MR points to the primary account holder for ALL spend up to $2000 per supplementary card.
The AMEX Cobalt is widely considered the best earning card in Canada at 5X bonus points on food purchases (including groceries, restaurants, delivery services, meal subscriptions, etc.). Although there is some hassle with creating the supplementary cards, this lets you extend that benefit to spend in any category (to a maximum of $2000/card and 3 supplementary cards).
If you were to maximize this with 3 supplementary Business Gold cards, you would earn 30K points for $6000 spend in any category. At a minimum this is worth $300 in statement credits, but when converting to partner airline rewards points and redeeming for travel many people can easily find value of $600+ (using a value of 2 cents/pp, and savvy members have found opportunities values at 6-8+ cents/pp).
You could alternatively get up to 105K bonus MR points with $7000 spend on each of 3 supplementary AMEX Business Platinum cards, but there is a $250/card fee for a total cost of $750 for the 105K points (in addition to $21,000 spend).
Terms and Conditions
*An Employee Card is a Supplementary Card. Account must be in good standing. $250 annual fee for a Supplementary Business Platinum Card. $0 annual fee for a Supplementary Business Gold Card. Supplementary Card applicant must be the age of majority. Maximum of 99 Supplementary Cards per account.
1. To qualify for the offer, you must add Supplementary Business Platinum Card(s) or Supplementary Business Gold Card(s) to your account between September 3, 2025, and October 30, 2025. You can earn 5 additional points per $1 spent on the Supplementary Card in the first 3 months of Cardmembership. You can be eligible to earn up to a total maximum of 105,000 bonus Membership Rewards points. You must apply for the Supplementary Card product(s) outlined in the offer you received through email or other select channels from American Express, and use the link provided on this email. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of three Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfilment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, repeatedly applying for Cards to earn points and limiting Card activity following bonus receipt, applying for a Card under your own name, a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to increase your spend and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Cardmember at any point of time. Bonus points will be credited to your Membership Rewards account by March 12, 2026.
Statistics: Posted by Slingshot377 — Sep 16th, 2025 5:56 pm
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