Independent ClearFin review · American Express
Full earn rates, fees and benefits for the Amex Business Edge.
Offers can change without notice
Certificate terms apply
💼 Business CardA small-business rewards card aimed at office supplies, electronics, fuel, local transportation, and food spending. The accelerated-category cap and narrower insurance package should be reviewed against the business's actual expenses. Its strongest published earn rate in our data is 3.0% on dining. The $99 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official product pageIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Most standard rewards cards are best approached with established good credit.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Estimate only. The issuer may use a different score, credit bureau, income test, debt level, or underwriting model.
Redemption values and availability may vary by option and can change.
Apply Membership Rewards points to eligible purchases or use them for available travel, gift cards, merchandise, and participating checkout options.
Transfer eligible points to participating loyalty programs; ratios and eligibility vary.
Consider these extras by the value they add to purchases and experiences you already use.
Employee cards and controls
Add employee cards and use online account tools to separate and monitor eligible business spending.
Plan It
Eligible purchases can be divided into fixed monthly installments for a disclosed fee, subject to availability and account terms.
Business service
Access customer service specialists trained for American Express small-business accounts.
4 coverages listed. Key terms are summarized below; full certificate terms apply.
Eligible rental vehicles up to $85,000 MSRP for rentals of 48 days or fewer.
Up to $100,000 per cardmember for eligible unauthorized employee charges when notification and cancellation requirements are met.
Eligible purchases can be covered for theft or accidental physical damage for 90 days, up to $1,000 per occurrence.
May extend an eligible manufacturer's warranty by up to one additional year.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
A small-business rewards card aimed at office supplies, electronics, fuel, local transportation, and food spending. The accelerated-category cap and narrower insurance package should be reviewed against the business's actual expenses.
Dining, Gas receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
Using the strongest estimated category return alone, roughly $3,300 in annual spending at that rate would equal the $99 fee before considering the value of insurance, partner benefits, or a welcome offer.
This card is most relevant for someone who spends consistently on dining and gas and can use enough of the included value to justify the yearly cost.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
⛽ Gas Cashback
🏨 Hotel Points
✈️ Travel Rewards
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Card terms were checked against the issuer's official product page.
