American Express Charge Cards

Enjoy financial flexibility and the opportunity to maximize your rewards points. Because our Charge Cards have no pre-set spending limit and allow you flexibility when spending. Using a Charge Card is a great way to manage your finances as the balance must be paid in full each month.

Why choose an American Express Charge Card?

Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit¹, and allow you flexibility when spending. Using a Charge Card is a great way to manage your finances as the balance must be paid in full each month. Your spending limit however, your purchases are approved based on a variety of factors, including your credit record, account history and personal resources.

It's also rewarding because the American Express Charge Card lets you maximize your rewards points earning potential. American Express Gold Rewards and Platinum Cardmembers also have the option of transferring points to one of several frequent guest programs such as Starwood Preferred Guest ^SM and Hilton HHonors^® as well as frequent flyer or loyalty programs including Aeroplan^®*,² Delta SkyMiles^®, and Avios^®³. What's more, indulge a passion for shopping with gift cards from many premium retailers including Holt Renfrew, Banana Republic, Birks and Restoration Hardware.

When it comes to using your points, you will have access to a wide range of travel, dining, entertainment and retail rewards selected to suit even the most discerning taste.

Front of the Line^®
American Express Cardmembers can purchase tickets to many sought-after events before they go on sale to the general public. During the specified sale period, tickets are available exclusively to all American Express^® Cardmembers.⁴

Key Benefits at a Glance

An American Express Charge Card offers you:

A welcome bonus
Online fraud guarantee
Travel insurance coverage
24/7 customer service
Access to the Front of the Line^® program

The range of benefits and cover varies from Card to Card, so do have a good look to see exactly what each Card has to offer. Explore your options further by browsing the list of Cards in the menu to the left, or use the 'Compare these Cards' button near the top of this page to view all our American Express Charge Cards.

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.

Emergency Card Replacement

Lose your Card? Don’t lose any sleep. If your Card is ever lost or stolen, we’ll arrange to get you a new one as soon as possible. If it happens in a remote location, arrangements can be made to have a Card waiting at a point along your way.

Fraud Protection Guarantee

Use the American Express^® AeroplanPlus^®* Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN.

Manage your account online

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.

First things first - are you eligible?

To save time, check here to see if you meet our standard eligibility criteria:

You are a Canadian resident and have a Canadian credit file.
You are of the age of majority in the province or territory of residence
In the past 7 years, you have not filed for bankruptcy.

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the American Express Charge Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process. At this stage, you can decide how you'd like your name to appear on your Card, and choose optional additional benefits.

View important information

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