Business Platinum Card from American Express
130,000 MR points
What’s My Travel Spending Strategy?
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Business Platinum Card from American Express
- Earn 90,000 MR points upon spending $15,000 in the first three months
- Plus, earn 40,000 MR points upon making a purchase in months 14–17 as a cardholder
- And, earn 1.25x MR points on all purchases
- Also, receive a $200 annual travel credit
- Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
- Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
- Credits and rebates for business expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Qualify for the card as a sole proprietor
- Annual fee: $799
11 Comments
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Just a note for transparency on Stack (which was not stated anywhere on their website ), they were having some internal card production issues (changed to a new card vendor) and even though I applied over 2 months ago, Stack has informed us via email that the card delivery will be delayed until May 25th or so. Kind of defeated the purpose as my vacation was in April and would have been great to have but perhaps can be used in the future.
Hopefully this won’t affect new applicants too due to the backlog they must already have.
Ricky, it looks like Stack only lets you load CAD. I have have regular access to US funds as well. Is there a US equivalent of Stack that you would recommend?
Many US residents just use their normal debit card while abroad since many high end accounts don’t charge a FX fee or ATM fees (ie. the TD Beyond Checking account).
I’d say that US prepaid cards are aimed at the un-banked demographic and as such have steep fees to make money off of these individuals (monthly fees, deposit fees, withdrawal fees, foreign exchange fees, etc.)
There are at least two free (no annual fee) cards that charge 0% FX, (a) Home Trust Preferred Visa and (b) Brim Financial MC. I carry both of these along with the Stack MC when I travel. It’s always a good idea to carry at least one Visa and MC in case a card gets rejected, either because of some system issue or due to a false-positive fraud alert. I’ve encountered both of these situations recently; the backup card was a godsend.
Those are some other no-fee No FX Fee cards on the market in addition to the Rogers one. I haven’t heard the greatest things about those issuers, though, which is why I’m hesitant to recommend them.
Home Trust got inundated by masses of refugees from amazon.ca Visa when Chase shut down that card. For a few months they were slow in processing applications.
Similarly Brim sat on applications through the first half of 2018 before they finally launched their card. Both of those situations have long since been resolved.
I have both cards, the HT Visa for over 2 years, and can vouch that they’re now worthy of recommendation. In fact those two cards plus the Stack card make for a powerful combination for travellers. All free and all 0% FX.
Good call on having backup cards when traveling. I remember TFL not accepting my family’s TD First Class Travel Visa Infinite cards for transit so I ended up having to pass out extra contactless cards to ensure everyone was able to travel throughout London. While the backup cards had a 2.5% FX fee, it was a lot more convenient then buying an Oyster card, loading it and refunding it at the end.
I’ve had a Rogers World Elite Mastercard for a while now and use that as my net 0% FX card. Prepaid cards are definitely a bit more risky to use aborad, especially with anything where a pre-authorization procedure.
Great post. Can you remove CAD currency of the Stack card when you arrive back in Canada?
If you mean use your Stack card for Canadian purchases, yes. Stack can be used at Canadian ATMs for minimal / no charge or you can use the Stack card at any Mastercard merchant like other prepaid cards.
Also of note is that with Stack, it may prevent you from loading-reloading funds if it has detected that you are out of country. A security feature that is counter to its other travel friendly features. I ran into this situation in Asia, and even in live chat with them, they said I could not load funds due to being out of country. Therefore, it is advisable to load up sufficient funds ahead of leaving Canada.
Unfortunately, the Stack card is not available in Quebec. Do you know of any alternative? I’ve read that Tangerine has the lowest withdrawal fees for foreign ATMs.