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ALL THE KEY DETAILS AMERICAN
EXPRESS® CARD

Charge Card Flexibility

Shopping should be a pleasure.

With no pre-set spending limit on your account, enjoy the flexibility when spending, however, the balance must be paid in full each month. Using a charge card is a great way to manage your finances.

The American Express Card – key features
Find out more about the Card
  • There is no pre-set spending limit on your account which allows you flexibility when spending, however, the balance must be paid in full each month 
  • Optional Membership Rewards® Program - For an enrollment fee of just $50 per year (plus applicable taxes) earn one point for virtually every dollar of purchases1
  • Front Of The Line®  - preferred ticket access to some of the most sought after theatre shows, and concerts across Canada 2
Peace of Mind

 

Additional protection on purchases and travel when you need it.

The American Express Card
  • Buyer’s Assurance® Protection Plan - Doubles the manufacturer's original warranty when you charge your retail purchases to the Card 3
  • Purchase Protection® Plan - Insure your eligible purchases automatically against accidental physical damage and most theft 4
  • American Express Assured Reservations – Ensures your room is waiting for you regardless of how late you arrive 5
  • Up to $250,000 Travel Accident Insurance - Automatic coverage6
  • Travel Emergency Assistance - Provides out-of-town emergency medical and legal referrals by telephone, 24 hours a day, 7 days a week 7
  • Online Services – Designed to give you fast‚ safe access to your billing information. It's free‚ easy to set up‚ can save you time and help cut down on paperwork.
Optional Services
American Express offers a wide range of affordable insurance products designed for American Express Cardmembers:
  • Travel Assurance
  • InfoAssist

  To find out more about these services, click here.
Optional Rewards

Choose to Reward Yourself

For an enrollment fee of $50 per year (plus applicable taxes), virtually every dollar of purchases you charge on this Card earns Membership Rewards® points1, which soon add up. Redeem them for a range of rewards, including travel with no restrictions or blackout periods. Points can be managed and redeemed online - for gift cards to your favourite restaurant or store, the latest electronic device and much more.

The American Express Card – key features
  • Optional Membership Rewards® Program - earn one point for virtually every dollar of purchases1.
  • Choose from one-of-a-kind shopping, travel and entertainment rewards.
  • Treat yourself or your family with unforgettable experiences.



* No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required

1.  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 charges, annual fees, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.

2. On select events. Purchase must be charged in full to an American Express Card.  Subject to availability and to event and ticketing agent terms, conditions and fees.

3.  When you charge your retail purchases to the American Express Card, the free repair period and the coverage under the manufacturer's original warranty is automatically doubled for up to one additional year.  Applies to products purchased (motorized vehicles and their parts are excluded) with the Card in Canada and the U.S. provided the manufacturer's warranty does not exceed five years.  Proof of purchase, a copy of the manufacturer's warranty and a description of the products are required to register your purchase.  You will need approval from American Express before any repairs will be covered.  Repair costs are limited to $25,000 per eligible item.

4.  Insure up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you use the American Express Card.  You can be reimbursed for insured occurrences not covered by any other insurance.  Underwritten by Royal & Sun Alliance Insurance Company of Canada.  Read your Certificate of Insurance for full details.  Coverage is in excess of any and all other applicable insurances.

5.  Your room will be held until check-out time the day following your scheduled arrival or comparable accommodations will be provided.  You must call ahead to request this service and be sure to ask for a confirmation number.

6. Travel Accident Insurance provides automatic coverage of up to $250,000 of Accidental Death and Dismemberment insurance when you fully charge your plane, train, ship or bus tickets to your Card. Use the Card to book tickets for your spouse, dependant children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependant children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135. 

7. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by Acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

†All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read Certificates of Insurance carefully.

‡ As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges