American Express - Compare Charge and Credit Cards

* 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 interest charges.

**American Express Gold Rewards Card. Winner of Top Hybrid Travel Credit Card (with annual fee) in 2011 as voted by Rewardscanada.ca.

To qualify for the Welcome Bonus you must have at least $500 in net purchases posted to your account in your first 3 months of Card Membership. Account must be in good standing. Offer not available to existing American Express Gold Rewards Cardmembers. 15,000 Membership Rewards Points = 15,000 Aeroplan Miles. As per Aeroplan’s current reward chart, 15,000 Aeroplan Miles are currently enough for a round-trip short-haul flight reward in economy class within Canada or to the Continental U.S. with Aeroplan ClassicFlight®* Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.
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, annual fees, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points. The earn rate is two Membership Rewards points for every $1.00 in eligible gas, drugstore, grocery and travel purchases ("Eligible Purchases") and one Membership Rewards point for every $1.00 in other qualified purchases. Restricted definition of Eligible Purchases applies. Please see Rewards for additional details.
Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms and conditions, and restrictions apply. Visit membershiprewards.ca for full Membership Rewards Terms and Conditions.
Membership Rewards points can only be redeemed for a statement credit towards a qualified travel purchase charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit and redemptions must be made within 12 months after the travel purchase is posted to your account. Other terms, conditions and restrictions apply. Visit membershiprewards.ca for details.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember.Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Underwritten by RBC Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
Must be charged in full to an American Express^{^®} Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Having no pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit history, account history, and personal resources. Proof of resources and security may be required.
Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance. ^†All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

^®, ^TM: Used by Amex Bank of Canada under license from American Express.

^®*: Aeroplan is a registered trademarks of Aeroplan Canada Inc.

* 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 interest charges.

** 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.

Account must be in good standing. To qualify for the 50,000 Bonus Membership Rewards points, you must have at least $1,000 in net purchases posted to your account in your first 3 months of Cardmembership. Purchases must be posted to your account on or before your three month anniversary date. Please allow up to six weeks for the welcome Bonus to be awarded.
Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of 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.
Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit www.membershiprewards.ca for full Membership Rewards Terms and Conditions
Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com.
Holders of eligible American Express Cards (“Eligible Cardmembers”) may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis. Participating Lounges may change from time to time. To access a Participating Lounge, Eligible Cardmember must show a valid, unexpired eligible American Express Card, airline ticket for travel on the same day and government issued photo identification in the name of the Eligible Cardmember. Eligible Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter a participating lounge as complimentary guests. Guest must accompany eligible Cardmember; show a valid airline ticket for travel on the same day and government-issued photo identification to access a participating lounge. International Plaza Premium Lounges, maximum of 2 hour stay. Québec City's Jean Lesage International Airport VIP Lounge, eligible Cardmember’s children must be under the age of 18. House rules, terms and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
The International Airline Program (the “Program”) offers a complimentary or discounted companion ticket, complimentary upgrade and, special discounted fares on participating airlines to holders of an eligible basic American Express Cards (“Eligible Cards”) as described in your American Express Welcome Brochure or are otherwise identified to you by American Express (“Eligible Cardmember”). In order to take advantage of the Program, the Eligible Cardmember’s account must be active (meaning not cancelled).
1. To receive a complimentary or discounted companion ticket, the Eligible Cardmember must purchase an eligible ticket in first class or business class on a participating airline for an eligible flight originating in and returning to a designated gateway and charge the purchase of such ticket to an Eligible Card. Only select airline(s) offer a complimentary companion ticket. Limit of one complimentary companion ticket per travelling Eligible Cardmember per booking, Eligible Cardmember must be one of the travellers.
2. To receive a complimentary upgrade to a designated class of service and , discounted special fare on participating airline(s), the Eligible Cardmember must purchase an n eligible ticket on an eligible flight and class of service originating in and returning to a designated gateway and charge the purchase of the ticket to an Eligible Card. These offers cannot be combined with each other or with any other offer at any time including the complimentary companion ticket offer. Only select airline(s) offer upgrades and, special discounted fares. Limit of one complimentary upgrade per travelling Cardmember per booking. Discounted fare tickets vary per participating airline, per travelling Cardmember per booking, eligible Cardmember must be one of the travellers.
3. For additional details including participating airlines and additional terms, conditions and restrictions, and to book travel please visit www.americanexpress.ca/platinum or call Platinum Card Travel Service at 1-800-668-9147.
4. Eligible routes, class of service, code-share arrangements, designated gateways and similar matters relating to travel in the Program are determined by and will vary by airline.
5. The Program is valid for travel purchases booked and/or completed within designated dates. Designated dates are subject to change without notice and are updated based on arrangements with participating airlines from time to time.
6. All Program bookings and purchases must be made through Platinum Card Travel Service of Amex Canada Inc.
7. The Program is subject to availability on the participating airlines’ eligible flights. Participating airlines may have limited seat allocations and destinations in respect of the Program and may have other terms, conditions, exclusions, restrictions and fees. Eligible class(es) of service are determined by each participating airline.
8. Tickets issued for this Program cannot be transferred or endorsed. Eligible ticket and the associated complimentary ticket or discounted fare tickets, must be issued at the same time, for the same itinerary, with departure and return on the same flights and in the same class of service. All tickets are subject to all applicable government fees, taxes and charges including airport levies. Once issued, names cannot be changed. Passengers and companions under the Program must travel together.
9. Tickets must show a confirmed reservation for the entire trip and must be purchased in Canada using an Eligible Card prior to the start of travel. No split currency ticketing is permitted.
10. Prepaid and miscellaneous charge orders (“MCOs”) may not be permitted.
11. Electronic tickets are mandatory and will be issued whenever the itinerary is e-ticket eligible.
12. Re-routings, one-way, circle-trip and open-jaw itineraries may not be permitted.
13. International Air Transport Association fare construction principles and rules apply. There are limitations on the number of transfers through the international hub(s) of the participating airline. Maximum numbers of transits allowed through international hub(s) may vary and are determined by participating airlines. Sector and side trips may not be allowed. Certain code-share flights may not apply.
14. Interlining is not permitted unless otherwise stated. Flights on participating airlines cannot be combined under the Program. Flights on non-participating airlines are not eligible for the Program and must be ticketed and priced separately. Canadian domestic fares to and from the designated departure gateways must be ticketed separately and are not included as part of the Program unless otherwise stated.
15. Complimentary companion tickets have no refund value and do not accrue frequent flyer mileage. Once tickets are issued, changes, cancellations and refunds, as applicable, may be subject to a fee per ticket and will be at the Eligible Cardmember’s expense. Refunds after departure or “no shows” may not be allowed. Refunds are allowed on the full-fare ticket only, and must be accompanied by the unused companion ticket. Complimentary companion tickets are not refundable and have no refund value, however, if applicable, taxes and fees may be fully refundable. Refunds may be allowed and subject to cancellation fees on discounted fare ticket and discounted companion fare ticket provided both tickets are refunded at the same time. Special class fare tickets and upgrade tickets will be refunded at the original ticket price subject to any applicable fees.
16. This Program cannot be combined with any other promotion, travel agent discount, consolidator fares, travel industry and airline employee discounts, child, infant or senior citizen fare, frequent flyer award, group rate, corporate rate, MCOs, or any other promotional offer.
17. Reservations must be ticketed no later than 30 days prior to the departure or reservations will be cancelled. Reservations made within 30 days prior to departure date must be ticketed within 72 hours after the bookings are made or the reservations will be cancelled. If a fare increases after the booking date, the participating airline will honour the lower fare at which the ticket was booked provided the ticket is purchased within 72 hours of the date of the fare increase. Reservations for Air France must be made as per the carrier’s Flight Firming Rules & Regulations.
18. We reserve the right to cancel or change the Program in whole or in part or change the terms and conditions of the Program at any time, for any reason and without notice. Participating airlines are subject to change without notice. Under no circumstances will Amex Bank of Canada, Amex Canada Inc. or any of their affiliates be liable for any loss or damage howsoever incurred as a result of the termination of the Program, the termination of any participating airline or any change in the Program.
19. All recourse for any and all liability in connection with full-fare and/or companion tickets, special discounted fare tickets and/or upgrade tickets issued under the Program, the refusal to issue or honour any such tickets, travel pursuant to any such tickets or the failure of any participating airline or other party to adhere to the terms of the Program is as against the relevant participating airline only. Under no circumstances will Amex Bank of Canada, Amex Canada Inc. or any of their affiliates be liable for any conduct, action or failure of any participating airline whatsoever, including, without limitation, for any expense, loss, injury (to person or property), damage, delay, flight cancellation, denied boarding, missed connection, accident or any other matter whatsoever, however suffered or caused, directly or indirectly in connection with tickets, transportation or other services provided or refused to be provided by any participating airline or other party. To the extent permitted by applicable law, Amex Bank of Canada, Amex Canada Inc. or any of their affiliates will not be liable for any incidental, indirect, consequential, special, punitive or exemplary damages of any kind whatsoever arising from or in connection with the Program (whether in contract, tort, strict liability, products liability or otherwise), including, without limitation, lost revenues, loss of profits or loss or interruption of business.
To receive Fine Hotels & Resorts program (FHR) amenities and rates, reservation must be booked with a Platinum Card in FHR negotiated rates and room categories through Platinum Card Travel Service. Payment must be made with an American Express Card in the Platinum Card member’s name. Room upgrade based on availability. Limit one amenity per room, per stay. Amenity restrictions vary by hotel, are subject to change, and cannot be redeemed for cash. Platinum Card members may book up to three (3) rooms inclusive of FHR rates and amenities and must accompany the party as a guest for which FHR reservations are made. In the event the Platinum Card member cancels the reservation(s), FHR rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FHR property are considered one stay. Benefit value based on double occupancy. Actual value varies by property, length and date of stay. $450 value is based on a $80 breakfast credit, $100 special amenity, and a $365 value for 4 pm check-out based on fees charged for late checkout of generally 50% of the daily rate, based on an average daily rate of $730.
Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
$200 Annual Travel Credit- The $200 CAD Annual Travel Credit can only be redeemed through Platinum Card Travel Service at time of booking. Travel booking must be charged to The Platinum Card. Annual Travel Credit can only be used once per calendar year towards a single travel booking of $200 or more, and will appear on the Platinum Card member’s billing statement as “Platinum Annual Travel Credit”. If the Cardmember cancels their travel booking after redeeming the Annual Travel Credit, they will not be able to use it again in the same calendar year.
Membership Rewards points can only be redeemed for a statement credit towards a qualified travel purchased charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit and redemptions must be made within 12 months after the qualified travel purchase is posted to your account. Other terms, conditions and restrictions apply.
Platinum Concierge – Upon authorization of the Platinum Card member, Platinum Card Concierge uses its best efforts to source or arrange the purchase of requested goods or services from a supplier. There is no charge for using the services of Platinum Card Concierge, however the Card member will be responsible for paying the supplier for any purchases and/or shipping charges you authorize, as well as any other fees or related costs that may apply. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Card member requests in all instances. This service may not be available in certain countries. Please call for details.
The Platinum Card member must be travelling. Name on ticket must match name on The Platinum Card. (Ticket not required for US Airways^® Clubs.) The Platinum Card member must be 18 years of age to enter the Airport Club Lounge without a parent or guardian for American Airlines Admirals Club^® lounges. For Delta Sky Club^TM lounges the member must be 18 where there is no self-service bar. The Platinum Card member must be 21 years of age to enter into all Airport Club Lounges where there is a self-service bar. Local age restrictions apply in non-U.S. locations. The Platinum Card member’s spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements may not apply. Employee travel-related benefit tickets are not eligible with American Airlines. The Platinum Card member must present his or her valid Card, government-issued I.D., and same day airline ticket to club agents. (Ticket not required for US Airways Clubs.) Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except for US Airways Clubs, or with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Meeting rooms may be reserved for a nominal fee. Cardmembers must adhere to all house rules of participating clubs. Participating airlines and locations subject to change.
Platinum Basic and Platinum Supplementary Cardmember(s) (“Cardmember”) may apply for a Priority Pass membership (“PP membership”). PP membership is subject to approval by Priority Pass Limited (“PPL”) and is not guaranteed. Unless cancelled, PP membership automatically renews on its anniversary date. PP membership may be cancelled by American Express if: (i) the Priority Pass benefit associated with the Platinum Card is changed or terminated, or (ii) the Cardmember’s Platinum Card is cancelled. PP membership includes access to any airport lounge participating in the Priority Pass Program. Participating lounges are owned and operated by independent third parties and their participation and/or facilities can change from time to time. To access a lounge, the Cardmember will need to show his/her valid Priority Pass card and an airline ticket for travel on the same day for the Cardmember and each of his/her guests. At their sole discretion, participating lounges may restrict entry of persons under 21 years old; please check restriction details for the individual lounges at www.prioritypass.com or your Priority Pass Directory provided by PPL. All Priority Pass lounge visits are complimentary for the enrolled Cardmember and one guest. All additional guests are subject to a fee of $27 US per person per visit. Lounge access charges can be billed by PPL to the Platinum Card connected to the Cardmember’s PP membership upon PP’s receipt of notification from the lounge visited. All Cardmembers are subject to PPL’s terms and conditions for the Priority Pass Program and the individual lounge operators’ terms of use for the participating lounges visited. For complete PPL terms and conditions and a directory of participating lounge locations, please visit: www.prioritypass.com
Basic and Supplementary Platinum Card members must present a valid, unexpired Platinum Card when picking up vehicle for $25 Valet fee to be waived. Waived fee applies only to Toronto Pearson Airport Valet Services in Terminal 1 and 3. For more information on Valet Service visit torontopearson.com.
15% discount off the cost of parking (including taxes) will be provided as a credit to your Platinum Card statement. The parking lot is subject to availability. Discount available at Express Park in Terminal 1 and Daily Park in Terminals 1 & 3. For more information on parking lots visit torontopearson.com.
American Express Basic and Supplementary Cardmembers with a valid Platinum Card are entitled to access the Pearson Priority Lanes (“Priority Lane”) during peak airport operating hours. The Priority Lanes are serviced by the Greater Toronto Airport Authority. Priority Lanes are located at select departure areas at Toronto’s Pearson International Airport in Terminal 1 & 3. Access to a Pearson Priority Lane is available to eligible Cardmembers and companions travelling on the same itinerary upon the presentation of a valid, unexpired eligible Card. The name on the Card must match the name on the boarding pass. All passengers departing Pearson International Airport, including those accessing the Priority Lane are required to comply with airport security and customs screening requirements. Priority Lane access is subject to change or cancellation at any time and additional terms and conditions apply.
Enrollment in the Starwood Preferred Guest program is required. Benefits are subject to change. Terms and conditions of the Starwood Preferred Guest program apply. For complete terms and conditions of the Starwood Preferred Guest program visit preferredguest.com. Gold Program enrollment is valid as long as you are a Platinum Card member in good standing.
Fairmont Presidents Club Platinum Membership is available to Basic and Supplementary Cardmembers of The Platinum Card. Cardmembers must enroll for the benefit by contacting Fairmont Hotels & Resorts at 1 888-320-5959 or at www.fairmont.com/plat5 and quoting the promotion code. This code can be obtained by calling American Express at 1-800-263-1616. Enrolled Cardmembers that register and complete five overnight stays at a Fairmont hotel or resort, paid for with an American Express Card between January and December of the calendar year will qualify for membership in Fairmont Presidents Club. The Benefit may be discontinued at any time. Fairmont Presidents Club membership is subject to the restrictions, terms and conditions of Fairmont Hotels & Resorts which may change without notice. Complete terms and conditions are available by calling 1 888-320-5959 or by visiting www.fairmont.com/fpc. American Express reserves the right to instruct Fairmont Hotels & Resorts to cancel your Fairmont Presidents Club membership if you cease to be a Cardmember.
Carlson – Enrollment in the Club Carlson program is required. Platinum Cardmembers receive complimentary Gold Elite membership within Club Carlson. Benefits are subject to change. Terms and conditions of the Club Carlson program apply. For complete terms and conditions of the Club Carlson program visit clubcarlson.com. Complimentary membership is valid as long as the Platinum Cardmember is in good standing.
Accor – Enrollment in the Accor program is required. Platinum Cardmembers receive complimentary enrollment in Platinum status within Le Club Accorhotels, Accor’s Hotel loyalty program. Benefits are subject to change. Terms and conditions of the Accor Hotel loyalty program apply. For complete terms and conditions of Accor’s loyalty program visit accorhotels.com/leclub. Complimentary enrollment in Platinum status is valid as long as the Platinum Cardmember is in good standing.
Service fees may apply. Fees will vary according to type of service requested.
Preferred Golf Benefits - Platinum Card members are eligible for enrollment. Payment must be made using the Platinum Card. Limit one membership per Cardmember valid for one year from the date of issue. At the end of your membership term, the Cardmember will have an opportunity to renew their membership. Complimentary renewal of the Program membership will be provided to an eligible Cardmember who completes a minimum two night stay at eligible properties. Eligible Cardmembers may otherwise renew membership into the Program for an annual fee of $295USD. Previous stays or existing reservations do not qualify for the purpose of complimentary membership renewal. Blackout dates may apply and vary by location. Daily continental breakfast has no cash value and is non-transferable. Complimentary round of golf offer is valid at participating Preferred Golf resorts and can be redeemed only when purchasing a minimum two consecutive night stay at participating golf resorts. For full program details and complete terms and conditions, please visit www.PreferredGolf.com.
Cardmembers who enroll in the Hertz #1 Club Gold Club can receive a one-car-class upgrade at participating locations at time of rental. The upgrade is subject to availability and change and is valid on rentals of Compact through Full Size Cars.
Avis - Avis Worldwide Discount
- Rates and discounts are available worldwide to Platinum Card members from American Express.
- Discounts apply to the time and kilometer/mileage charges only and not to any other charges in connection with the rental such as taxes, personal accident insurance, refueling service charge, drop-off charges, and loss damage waiver.
- Blackout periods may apply.
- Vehicles must be returned to same renting city.
- For rentals not returned to same city, intercity rate discounts apply.
- Rates may vary by location.
- Cars and car groups are subject to availability.
- Renter must meet Avis age, driver and credit requirements.
- Minimum age is 25 by may vary by location; underage surcharges may apply at certain locations.
- All terms of Avis’ standard rental agreement apply.
- U.S. discounts are applicable to car rentals in the 48 contiguous states and the District of Columbia.
Underwritten by RBC Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
Not an insurance coverage. Concierge services arranged through StandbyMD and may be subject to contractual terms and conditions of StandbyMD. Fees may apply. Please consult your StandbyMD Terms and Conditions for full details. StandbyMD is a Service Mark of Healthcare Concierge Services, Inc. All rights reserved.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
When you charge the full price on eligible purchases to your Platinum Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
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 your Certificates of Insurance carefully.
^SM: SPG, Starpoints, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.
^SM*: StandbyMD is a Service Mark of Healthcare Concierge Services, Inc.
^®, ^TM: Used by Amex Bank of Canada under license from American Express
^®*: Aeroplan and AeroplanPlus are registered trademarks of Aimia Inc.

* 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.

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.
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.
Enrollment in the Membership Rewards program is optional on select American Express Cards and an annual fee applies. If you are not already enrolled in the Membership Rewards program, you will need to enroll to be eligible to participate in this referral program. Please call 1-800-869-3016 for information and to enroll in the Membership Rewards program.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Travel Accident Insurance provides automatic coverage of up to $XXX,XXX of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your [INSERT CARD NAME HERE]. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
Purchases must be charged in full to an American Express^® Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

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

±As per Aeroplan's current reward chart, 25,000 Aeroplan Miles are enough for a short-haul roundtrip ClassicFlight^®* Reward Ticket in economy class within Canada, or to the continental US (plus applicable fees and taxes). See aeroplan.com for more details

Account must be in good standing. 20,000 Bonus Aeroplan Miles will be awarded upon first use of an approved Card. To qualify for the additional 5,000 Bonus Aeroplan Miles, you must have at least $1,000 in net purchases posted to your account in your first three months of Cardmembership. Purchases must be posted to your account on or before your three month anniversary date. Please allow up to eight weeks from the date the bonus miles were earned for the bonus miles to be awarded. This offer cannot be combined with any other offer.
Each year, if you reach $10,000 in net purchases on your account before your anniversary date, you will earn 1.25 Aeroplan Miles for every $1.00 of additional net purchases charged to your Card. Each anniversary date, the amount of annual net purchases resets to zero.
Each year, if you reach $25,000 in net purchases on your account before your anniversary date, you will earn 1.50 Aeroplan Miles for every $1.00 of additional purchases charged to your Card. Each anniversary date, the amount of annual net purchases resets to zero.
Basic Cardmember may redeem 15,000 Aeroplan Miles for one short-haul round-trip ClassicFlight Reward Ticket in economy class and receive a Partner Ticket for the same itinerary. Travel options vary according to departure city. Miles must be from Cardmember’s Aeroplan account. Limit one Partner Ticket per year. Subject to availability and capacity control. All bookings must be made through Aeroplan at 1-800-361-5373 and charged to an American Express AeroplanPlus Platinum Card. Aeroplan booking fee will be waived; however, fees and taxes apply. Changes subject to availability, fees and restrictions. Aeroplan reinstatement fee applies to cancellations. Not transferable, cumulative or redeemable for cash. Subject to change or cancellation. Full terms and conditions apply. Aeroplan Program terms and conditions, including Air Reward Terms and Conditions apply and are available at www.aeroplan.com/terms_and_conditions.do.
Applicable at airports where Executive First/Executive Class Priority Check-in is available and handled by Air Canada agents only. Applies to any fare, including Aeroplan reward travel. Available on any scheduled Air Canada, or Air Canada Express^TM operated flight during normal operations.
Quantities are limited. Cardmember must present their American Express AeroplanPlus Platinum Card and a confirmed, same-day departing ticket on an Air Canada, Air Canada Express^TM, Air Canada codeshare or Star Alliance^TM* flight to be permitted access to a Maple Leaf Lounge. Cardmember is permitted to bring paid guests in the lounge, pending space availability. Access to Arrivals Lounge is available upon presentation of a valid American Express AeroplanPlus Platinum Card and a same-day confirmed boarding pass on an arriving Air Canada international flight, regardless of fare type purchased. Access is subject to Air Canada Maple Leaf Lounge terms and conditions and may not be available due to unforeseen circumstances.
Maximum 9 Supplementary Cards per account. Supplementary Platinum Cards: $199 each; Supplementary Gold Cards: $50 each.
Basic and Supplementary Cardmembers with a valid American Express AeroplanPlus Platinum Card or The Platinum Card^® are entitled to access the Pearson Priority Security Lanes ("Priority Lane") during peak airport operating hours. The Priority Lanes are serviced by the Greater Toronto Airport Authority and will be available to eligible Cardmembers. Priority Lanes are located at select departure areas for domestic, transborder, and international flights departing from Terminal 1 at Toronto Pearson International Airport. Access to a Priority Lane is available to eligible Cardmembers departing from Terminal 1 and companions travelling on the same itinerary upon the presentation of a valid, unexpired eligible Card. The name on the Card must match the name on the boarding pass. All passengers departing Pearson International Airport, including those accessing the Priority Lane are required to comply with airport security and customs screening requirements. Priority Lane access is subject to change or cancellation at any time and additional terms and conditions apply.
Basic and Supplementary Platinum Card and other eligible American Express Cardmembers (“Cardmembers”) must enroll to qualify for the American Express “Platinum for Platinum” Fairmont President’s Club Platinum benefit. Cardmembers must enroll for the Benefit by contacting Fairmont Hotels & Resorts at 1-888-320-5959 or at www.fairmont.com/fpc and quoting the promotion code provided by American Express. Enrolled Cardmembers that register and complete five overnight stays at a Fairmont hotel or resort, paid for with your American Express AeroplanPlus Platinum Card between January and December of the calendar year will qualify for membership in Fairmont President’s Club. The Benefit may be discontinued at any time. Fairmont President’s Club membership is subject to the restrictions, terms and conditions of Fairmont Hotels & Resorts which may change without notice. Complete terms and conditions are available by calling 1-888-320-5959 or by visiting www.fairmont.com/fpc. American Express reserves the right to instruct Fairmont Hotels & Resorts to cancel your Fairmont President’s Club membership if you cease to be a Cardmember. Five nights do not have to be consecutive nights. Five nights must be in the same calendar year. Nights must be paid for by using your American Express AeroplanPlus Platinum Card.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express^® AeroplanPlus^®* Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada.
Underwritten by RBC Insurance Company of Canada. Trips will not be covered for trip cancellation, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards^® Program. All reward programs are governed by their own terms & conditions.
Underwritten by RBC Insurance Company of Canada. Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards^® Program. All reward programs are governed by their own terms & conditions.
Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express AeroplanPlus Platinum Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
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.
Underwritten by RBC Insurance Company of Canada.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions, and fees.
Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

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

^® : Used by Amex Bank of Canada under license from American Express.

^®*: Aeroplan, AeroplanPlus, ClassicFlight, and ClassicPlus are registered trademarks of Aeroplan Canada Inc.

^®**: Executive First and Executive Class are Registered Trademarks of Air Canada

^TM*: Maple Leaf is a Trademark of Air Canada.

^TM**: Star Alliance is a registered trademark of the Star Alliance Members.

^TM***: Air Canada Express is a trademark of Air Canada.

Account must be in good standing. 15,000 Bonus Aeroplan Miles will be awarded upon first use of an approved Card. Please allow up to six weeks for the welcome bonus to be awarded. To qualify for the additional 5,000 Bonus Aeroplan Miles, you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership. Purchases must be posted to your account on or before your three month anniversary date. Please allow up to eight weeks from the date the bonus miles were earned for the bonus to be awarded.
Account must be in good standing. Aeroplan Miles will be earned on the amount of all purchases, less credits and returns. Finance Charges, annual fees, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Aeroplan Miles.
Each year, if you reach $10,000 in net purchases on your account before your anniversary date, you will earn 1.25 Aeroplan Miles for every $1.00 of additional net purchases charged to your Card. Each anniversary date, the amount of annual net purchases resets to zero.
Maximum 9 Supplementary Cards per account. There is no annual fee for up to two Supplementary Gold Cards. The annual fee for additional Supplementary Gold Cards is $50 each.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Underwritten by RBC Insurance Company of Canada.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
All the services associated with Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service).
Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees.
When you charge the full price on eligible purchases to your AeroplanPlus Gold Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

^† Note: All insurance coverage are subject to the terms and conditions of the respective master policies. Certain limitations, exclusions, and restrictions apply. Please read Certificates of Insurance carefully.
^® : Used by Amex Bank of Canada under license from American Express.
^®* TM: Aeroplan, AeroplanPlus and ClassicPlus are registered trademarks of Aeroplan Canada Inc.
^TM*: Air Canada Express is a trademark of Air Canada.
^TM**: Star Alliance is a registered trademark of the Star Alliance Members.

Account must be in good standing. Aeroplan Miles will be awarded upon first use of an approved card. Please allow up to six weeks for the Welcome Bonus to be awarded. This offer cannot be combined with any other offer.
Account must be in good standing. Aeroplan Miles are earned on the amount of all purchases, less credits and returns. Interest, annual fees, other fees, and charges for travellers cheques and foreign currencies are not considered purchases and do not qualify for Aeroplan Miles.
Account must be in good standing. Aeroplan Miles will be earned on the amount of all purchases, less credits and returns. Finance Charges, annual fees, other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Aeroplan Miles.
No annual fee for the first year. Maximum 9 Supplementary Cards per account.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Travel Accident Insurance provides automatic coverage of up to $250,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express AeroplanPlus Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
All the services associated with Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service).
Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees.
When you charge the full price on eligible purchases to your American Express AeroplanPlus Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

^† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
^® Used by Amex Bank of Canada under license from American Express.
^®*,^TM: Aeroplan, AeroplanPlus and ClassicPlus are registered trademarks of Aeroplan Canada Inc.
^TM**: Star Alliance is a registered trademark of the Star Alliance Members.

* Subject to approval. The applicable rates are 2.99% on purchases for the first 12 billing periods and 21.99% on funds advances. The rate for purchases will increase to 19.99% following the promotional period or if you have 1 Missed Payment. If you have more than 1 Missed Payment, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account, annual fees (if applicable), other fees and additional details.

Account must be in good standing. Offer valid for applications received by American Express through the links provided within the webpage. Subject to change without notice. Bonus points will be awarded upon first use of an approved Card. Please allow up to six weeks for the Welcome Bonus to be awarded. This offer cannot be combined with any other offer.
For the Basic Cardmember, enrollment in the Choice by Membership Rewards Tier of the Membership Rewards Program is included with this Card. Membership Rewards points can be transferred to gift vouchers and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
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. Funds advances, finance charges, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points. Earn 2 Membership Rewards points for every $1.00 in Eligible Purchases at your 5 places, which means consumer purchases at Canadian locations of 5 places you (as the Basic Cardmember) choose from a predefined list of American Express merchants, and 1 Membership Rewards point for every $1.00 in other qualified purchases at locations other than your 5 places. A minimum purchase of $0.50 is required to earn points. View the list of participating merchants atinsert link. List is subject to change without notice. Merchants with multiple locations may submit transactions from different locations using different codes. This means that we may apply a different earn rate for purchases at different locations of a merchant. Selection of your 5 places can be made once per calendar year and applies to all Supplementary Cards on the account. Additional conditions and restrictions apply as set out in the Membership Rewards Program Terms and Conditions and the Membership Rewards Program section following the Cardmember Agreement provided in the welcome package
Supplementary Cardmembers must be age of majority. Maximum 9 Supplementary Cards per account.
Buyer’s Assurance^® Protection Plan. When you charge the full price on eligible purchases to your Choice or Choice Plus Cards from American Express, the coverage given under the manufacturer's original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Purchase Protection^® Plan. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
Fraud Protection Guarantee. Use the American Express 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. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.
Referrals can only be made by the New ChoicePlus Card from American Express^TM Basic Cardmembers. Please visit americanexpress.ca/referafriend for more details.
Other rewards are available in the Choice by Membership Rewards Tier of the Membership Rewards Program. Visit membershiprewards.ca for full details.
For the Basic Cardmember, enrollment in the Choice by Membership Rewards Tier of the Membership Rewards Program is included with this Card. Membership Rewards points can be transferred to gift vouchers and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
Purchase charge is not applicable to Cardmembers who redeem for Gift Cards using Membership Rewards points. Use of the prepaid card is subject to the Cardholder Agreement, which includes usage restrictions, terms and conditions. This prepaid card is not reloadable. Read Cardholder Agreement at americanexpress.ca/giftcardagreement for terms and conditions that apply. For use only at merchants in Canada and the U.S. that accept American Express Cards except cruise line transactions, casinos and recurring billing and any other merchants or transactions that American Express may determine from time to time. Not for use at ATMs or redeemable for cash.
^® The Home Depot is a registered trademark of Homer TLC, Inc.
The Options Gift Card can be used at all Banana Republic,Gap and Old Navy locations in the USA and Canada. The Options Gift Card is redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding The Options Gift Cards, please call 1-800-GAP-STYLE.
Maximum $300.00 redeemable per party or table. Not valid towards gratuities. May not be redeemed on New Year’s Eve, Valentine’s Day or Mother’s Day.
Bon Appétit Gift Card^TM is a trademark of Cara Operations Limited or its affiliates and are used under license.
Apple is not a participant in or sponsor of this promotion.
TM, ®: Cineplex Entertainment LP or used under license.
For full terms and conditions, visit Ticketmaster.ca/americanexpress/learn
Your Golf Town Gift Card may be used at all Golf Town stores. It cannot be redeemed for cash or applied as payment to any account unless required by law. The value on this Gift Card will not be replaced if the Gift Card is lost, stolen, destroyed, altered or used without your permission.
Membership Rewards Points can only be redeemed for a statement credit towards a qualified travel purchase charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit. Telephone redemptions must be made by calling 1-800-668-2639 within 12 months of the eligible travel transaction posting to your account. Online redemptions must be made within 3 months of the eligible travel transaction posting date. Credits take up to 24 to 48 hours to reflect on your account. Other terms, conditions and restrictions apply.
Point transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
In order to transfer points, your Membership Rewards program account must be linked to Hilton HHonors. Cardmember may transfer a minimum of 1,000 points from his or her program account to a participating hotel’s frequent guest account held in the Cardmember’s name. In addition, transfers must be made in 100-point increments. Point transfers are not reversible.
^®Avis is a registered trademark licensed to Aviscar, Inc., for use in Canada.
Fairmont Hotels and Resorts gift cards do not expire. Gift cards cannot be redeemed for cash and must be used for payment at a Fairmont hotel or resort. Fairmont Hotels & Resorts Gift Cards may not be valid where restricted by law. Fairmont Hotels & Resorts Gift Cards are not redeemable for cash and are void if sold for cash or other consideration. Any tax liability, including disclosure, connected with receipt or use of this card is the recipient’s responsibility. Cards are fully transferable and combinable. For a full list of terms and conditions, please visit www.fairmont.com/promotions/gift
Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

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

®, TM Used by Amex Bank of Canada under license from American Express

®**The Golden Arches logo and I’m lovin’ it are trademarks of McDonald’s Restaurants of Canada Limited.

Subject to approval. The applicable rates are 2.99% on purchases for the first 12 billing periods and 21.99% on funds advances. The rate for purchases will increase to 19.99% following the promotional period or if you have 1 Missed Payment. If you have more than 1 Missed Payment, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account, annual fees (if applicable), other fees and additional details.

Account must be in good standing. Offer valid for applications received by American Express through the links provided within the webpage. Subject to change without notice. Bonus points will be awarded upon first use of an approved Card. Please allow up to six weeks for the Welcome Bonus to be awarded. This offer cannot be combined with any other offer.
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. Funds advances, finance charges, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points. Earn 1 Membership Rewards point for every $1.00 in Eligible Purchases at your 5 places, which means consumer purchases at Canadian locations of 5 places you (as the Basic Cardmember) choose from a predefined list of American Express merchants, and 1 Membership Rewards point for every $2.00 in other qualified purchases at locations other than your 5 places. A minimum purchase of $1.00 is required to earn points. View the list of participating merchants at insert link. List is subject to change without notice. Merchants with multiple locations may submit transactions from different locations using different codes. This means that we may apply a different earn rate for purchases at different locations of a merchant. Selection of your 5 places can be made once per calendar year and applies to all Supplementary Cards on the account. Additional conditions and restrictions apply as set out in the Membership Rewards Program Terms and Conditions and the Membership Rewards Program section following the Cardmember Agreement provided in the welcome package.
Supplementary Cardmembers must be age of majority. Maximum 9 Supplementary Cards per account.
Fraud Protection Guarantee. Use the American Express 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. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.
Referrals can only be made by Choice Card from American Express^TM Basic Cardmembers. Please visit americanexpress.ca/referafriend for more details.
Other rewards are available in the Choice by Membership Rewards Tier of the Membership Rewards Program. Visit membershiprewards.ca for full details.
For the Basic Cardmember, enrollment in the Choice by Membership Rewards Tier of the Membership Rewards Program is included with this Card. Membership Rewards points can be transferred to gift cards and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
Purchase charge is not applicable to Cardmembers who redeem for Gift Cards using Membership Rewards points. Use of the prepaid card is subject to the Cardholder Agreement, which includes usage restrictions, terms and conditions. This prepaid card is not reloadable. Read Cardholder Agreement at americanexpress.ca/giftcardagreement for terms and conditions that apply. For use only at merchants in Canada and the U.S. that accept American Express Cards except cruise line transactions, casinos and recurring billing and any other merchants or transactions that American Express may determine from time to time. Not for use at ATMs or redeemable for cash.
® The Home Depot is a registered trademark of Homer TLC, Inc.
The Options Gift Card can be used at all Banana Republic,Gap and Old Navy locations in the USA and Canada. The Options Gift Card is redeemable for merchandise only and cannot be replaced if lost or stolen. For questions regarding The Options Gift Cards, please call 1-800-GAP-STYLE.
Maximum $300.00 redeemable per party or table. Not valid towards gratuities. May not be redeemed on New Year’s Eve, Valentine’s Day or Mother’s Day.
Bon Appétit Gift Card^TM is a trademark of Cara Operations Limited or its affiliates and are used under license.
Apple is not a participant in or sponsor of this promotion.
TM, ®: Cineplex Entertainment LP or used under license.
For full terms and conditions, visit Ticketmaster.ca/americanexpress/learn.
Your Golf Town Gift Card may be used at all Golf Town stores. It cannot be redeemed for cash or applied as payment to any account unless required by law. The value on this Gift Card will not be replaced if the Gift Card is lost, stolen, destroyed, altered or used without your permission.
Membership Rewards points can only be redeemed for a statement credit towards a qualified travel purchase charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit. Telephone redemptions must be made by calling 1-800-668-2639 within 12 months of the eligible travel transaction posting to your account. Online redemptions must be made within 3 months of the eligible travel transaction posting date. Credits take up to 24 to 48 hours to reflect on your account. Other terms, conditions and restrictions apply.
Point transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
In order to transfer points, your Membership Rewards program account must be linked to Hilton HHonors. Cardmember may transfer a minimum of 1,000 points from his or her program account to a participating hotel’s frequent guest account held in the Cardmember’s name. In addition, transfers must be made in 100-point increments. Point transfers are not reversible.
^®Avis is a registered trademark licensed to Aviscar, Inc., for use in Canada.
Fairmont Hotels and Resorts gift cards do not expire. Gift cards cannot be redeemed for cash and must be used for payment at a Fairmont hotel or resort. Fairmont Hotels & Resorts Gift Cards may not be valid where restricted by law. Fairmont Hotels & Resorts Gift Cards are not redeemable for cash and are void if sold for cash or other consideration. Any tax liability, including disclosure, connected with receipt or use of this card is the recipient’s responsibility. Cards are fully transferable and combinable. For a full list of terms and conditions, please visit www.fairmont.com/promotions/gift
Front Of The Line^® Advance Ticket Access and Preferred Ticket Access. Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

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

®, TM Used by Amex Bank of Canada under license from American Express

®**The Golden Arches logo and I’m lovin’ it are trademarks of McDonald’s Restaurants of Canada Limited.

*Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

^‡ All Rewards offered are subject to the Terms and Conditions of the AIR MILES^®* Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES^®* reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, visit airmiles.ca. For an AIR MILES reward mile balance update, a new or replacement AIR MILES Collector Card or redemption information please visit airmiles.ca.

^‡‡ A 1,000 reward miles flight is a return flight with origin and destination within the same province and having a departure date during the low season of Jan 8-Feb 28; Apr 1 – May 31; Sept 16 – Dec 15. Other flight options may be available, go to www.airmiles.ca/flightzones for more details.

FlexFly^TM* - Visit www.airmiles.ca to book an appointment or call 1-888-606-8888 to speak to an AIR MILES^®* Concierge Specialist to review your flight options. You will have access to additional airlines, destinations, and departure times not available in the AIR MILES Flight Program. Flights can be booked in economy or business class and without blackout dates. You can redeem AIR MILES reward miles for the full cost of your flight (including surcharges, fees and taxes) or use a combination of AIR MILES reward miles and pay the difference with your American Express Card. Economy and Business Class redemption options subject to availability. The AIR MILES^®* reward mile redemption rate for an AIR MILES^®* FlexFly^TM* redemption is 770 AIR MILES^®* reward miles per $100.
Companion Flight Benefit - Once per year, based on the date your American Express AIR MILES Reserve Credit Card account was opened on our system, when a Basic Cardmember redeems up to a maximum of 1,450 AIR MILES^®* reward miles for one round-trip flight in economy class within the AIR MILES^®* Flight Program, they can receive a Companion Flight for the same itinerary, excluding service charges, taxes and fuel surcharges. Subject to availability. The Companion Flight benefit cannot be used in conjunction with the AIR MILES^®* FlexFly Benefit.
Welcome Bonus - Subject to change without notice. Account must be in good standing. To qualify for the 1,000 bonus reward miles, you must have at least $3,000 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the reward miles to be awarded to your Collector Account. This offer cannot be combined with any other offer.
Priority Pass – American Express AIR MILES Reserve Credit Card Basic Cardmember(s) ("Cardmember") may apply for a Priority Pass membership ("PP membership"). PP membership is subject to approval by Priority Pass Limited ("PPL") and is not guaranteed. Unless cancelled or unused within the three year membership period, PP membership automatically renews on its anniversary date. PP membership may be cancelled by American Express if: (i) the Priority Pass benefit associated with the American Express AIR MILES Reserve Credit Card is changed or terminated, or (ii) the Cardmember’s American Express AIR MILES Reserve Credit Card is cancelled. PP membership includes access to any airport lounge participating in the Priority Pass Program. Participating lounges are owned and operated by independent third parties and their participation and/or facilities can change from time to time. To access a lounge, the Cardmember will need to show his/her valid Priority Pass card and an airline ticket for travel on the same day for the Cardmember and each of his/her guests. At their sole discretion, participating lounges may restrict entry of persons under 21 years old; please check restriction details for the individual lounges at www.prioritypass.com or your Priority Pass Directory provided by PPL. This membership provides four (4) complimentary visits per year to any of the participating lounges in the program. Cardmembers can apply complimentary visits towards accompanying guest visits. After your four (4) complimentary visits have been used, you may visit for a nominal fee of US$27 per person, per visit. Lounge access charges can be billed by PPL to the American Express AIR MILES Reserve Credit Card connected to the Cardmember’s PP membership upon PP’s receipt of notification from the lounge visited. All Cardmembers are subject to PPL’s terms and conditions for the Priority Pass Program and the individual lounge operators’ terms of use for the participating lounges visited. For complete PPL terms and conditions and a directory of participating lounge locations, please visit: www.prioritypass.com. Amex Bank will share your information with Priority Pass for enrollment and membership maintenance purposes.
Pearson Priority Security Lane - Basic and Supplementary Cardmembers with a valid American Express AIR MILES Reserve Credit Cards can access the Pearson Priority Security Lanes ("Priority Lane") during peak airport operating hours. The Priority Lanes are serviced by the Greater Toronto Airport Authority and will be available to eligible Cardmembers. Priority Lanes are located at select departure areas for domestic, transborder, and international flights departing from Terminal 1 and 3 at Toronto Pearson International Airport. Access to a Priority Lane is available to eligible Cardmembers departing from Terminal 1 and 3 and companions travelling on the same itinerary upon the presentation of a valid, unexpired eligible Card. The name on the Card must match the name on the boarding pass. All passengers departing Pearson International Airport, including those accessing the Priority Lane are required to comply with airport security and customs screening requirements. Priority Lane access is subject to change or cancellation at any time and additional terms and conditions apply.
Priority Limo and Taxi Lanes – Conditions apply. Select Canadian American Express^® Cards are eligible for this benefit: The Centurion^® Card from American Express, the Platinum Card^® from American Express, the American Express^® AeroplanPlus^®* Platinum Card, the American Express^® AIR MILES^®* Reserve Credit Card, the Business Platinum Card^® from American Express, the American Express Corporate Platinum Card, and the American Express^® AeroplanPlus^®* Corporate Platinum Card.
Earn Rate- You can earn AIR MILES reward miles for eligible retail purchases at American Express merchants in Canada as follows:
• 1 reward mile for every $10 at AIR MILES Sponsors. Visit the eligible sponsor list at americanexpress.ca/airmilessponsors. List is subject to change without notice.
• 1 reward mile for every $10 at (i) stand-alone gasoline stations for automobiles, (ii) stand-alone grocery stores, and (iii) stand-alone drugstores. Purchases at merchants where gas, grocery and pharmacy sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) and purchases at sponsors do not qualify for the earn rate in this category.
• 1 reward mile for every $15 of other card purchases.
Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 reward mile for every $15 applies if the merchant code is not in an eligible category, the purchase is made using an electronic wallet or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, reward miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn reward miles.
AIR MILES Business Class Seats - Subject to availability. Redemption for business class seats will require the use of additional AIR MILES^®* reward miles. The reward miles required to redeem for a business class seat are subject to change and will be determined at the time of booking.
Supplementary Cards - Maximum of 9 Supplementary Cards. Account must be in good standing. Supplementary Card applicant must be the age of majority. Supplementary Cards do not have access to the annual Companion Flight Benefit and Priority Pass Worldwide Lounge Access.
Front Of The Line^® - Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Underwritten by RBC Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express AIR MILES^®* Reserve Credit Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express AIR MILES^®* Reserve Credit Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
When you charge the full price on eligible purchases to your American Express AIR MILES^®* Reserve Credit Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

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

®, ^TM : Used by Amex Bank of Canada under license from American Express.
®*, ^TM*: Trademark of AIR MILES^®* International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada.

* Subject to approval. The applicable rates are 2.99% on purchases for the first 12 billing periods and 21.99% on funds advances. The rate for purchases will increase to 19.99% following the promotional period or if you have 1 Missed Payment. If you have more than 1 Missed Payment, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details. Also see Special Rate for Purchases section included with the application.

Bonus - Account must be in good standing. Offer valid for applications received by American Express through the links provided within the webpage. Subject to change without notice. Please allow up to eight weeks from the date the bonus miles were earned for the bonus to be awarded. This offer cannot be combined with any other offer. The welcome bonus of 500 reward miles will be awarded upon first use of an approved Card. To qualify for the additional 500 bonus miles, you must have at least $500 in net purchases posted to your account within your first three months of Cardmembership.
Earn Rate (AIR MILES®* Platinum Credit Card) - You can earn AIR MILES reward miles for eligible retail purchases at American Express merchants in Canada as follows:
- 1 reward mile for every $10 at AIR MILES Sponsors. Visit the eligible sponsor list at americanexpress.ca/airmilessponsors. List is subject to change without notice.
- 1 reward mile for every $10 at (i) stand-alone gasoline stations for automobiles, (ii) stand-alone grocery stores, and (iii) stand-alone drugstores. Purchases at merchants where gas, grocery and pharmacy sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) and purchases at sponsors do not qualify for the earn rate in this category.
- 1 reward mile for every $15 of other card purchases.
  Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 reward mile for every $15 applies if the merchant code is not in an eligible category, the purchase is made using an electronic wallet or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, reward miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn reward miles.
Supplementary Cards - No annual fee for Supplementary Cards. Must be age of majority. Maximum 9 Supplementary Cards per account.
All references to you means the Basic Cardmember.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Car Rental Theft and Damage Insurance - Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express AIR MILES Platinum Credit Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
Travel Accident Insurance is underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.
Assured Reservations - Your room will be held until check-out time the day following your scheduled arrival or comparable accommodation will be provided at no charge. When making reservations at participating hotels or motels request an American Express Assured Reservation and be sure to ask for a confirmation number. To cancel an Assured Reservation, call the hotel or motel before the time specified by the property to avoid being billed for the first night's stay. Be sure to obtain and keep your cancellation number.
Front Of The Line® - Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Purchase Protection® Plan - Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Buyer’s Assurance® Protection Plan - When you charge the full price on eligible purchases to your American Express AIR MILES Platinum Credit Card, the coverage given under the manufacturer's original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Fraud Protection Guarantee - Use the American Express 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. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission
All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. For complete details, visit airmiles.ca or call the AIR MILES Customer Care Centre at 1-888-AIR-MILES (in Toronto (416) 226-5171). Redeem AIR MILES reward miles on the AIR MILES Cash balance of your AIR MILES Collector Account in increments of 95 reward miles for $10 off your purchases at participating AIR MILES Sponsor locations to a maximum of $200 per day. You must first activate your Collector Account by setting your balance preference to allocate some or all of the reward miles you earn after activation to your AIR MILES Cash balance. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient reward miles in the AIR MILES Cash balance of your Collector Account in order to redeem reward miles towards purchases at participating Sponsor locations. Purchases are required to accumulate reward miles. You must inform Sponsor that you want to redeem reward miles and present your Collector Card at time of purchase. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

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

^® : Used by Amex Bank of Canada under license from American Express

^®*^TM Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada

* Subject to approval. The applicable rates are 2.99% on purchases for the first 12 billing periods and 21.99% on funds advances. The rate for purchases will increase to 19.99% following the promotional period or if you have 1 Missed Payment. If you have more than 1 Missed Payment, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details. Also see Special Rate for Purchases section included with the application.

Account must be in good standing. 150 Bonus reward miles will be awarded upon first use of an approved Card. Please allow up to six weeks for the Bonus to be awarded. This offer cannot be combined with any other offer.
Account must be in good standing. AIR MILES reward miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex Cheques, annual fees (if applicable), other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for reward miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmilessponsors for details. List is subject to change without notice.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express^® AIR MILES^®* Credit Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
Your room will be held until check-out time the day following your scheduled arrival or comparable accommodation will be provided at no charge. When making reservations at participating hotels or motels request an American Express Assured Reservation and be sure to ask for a confirmation number. To cancel an Assured Reservation, call the hotel or motel before the time specified by the property to avoid being billed for the first night's stay. Be sure to obtain and keep your cancellation number.
On select events. Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees.

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

^® : Used by Amex Bank of Canada under license from American Express

^®*™ Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada.

§The Starwood Preferred Guest program is operated by or on behalf of Starwood Hotels & Resorts Worldwide, Inc. and is subject to terms, conditions and restrictions. For details, please see www.spg.com.

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

To qualify for the 10,000 Bonus Starpoints, you must have at least $1,000 in net purchases posted to your account on or before your three month anniversary date. Three nights are based on five mid-week nights in a standard room at a Category 2 property. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher Starpoints redemption. For complete information on reward stays, please see www.SPG.com.
Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.
Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply
Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.spg.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.spg.com.
Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, www.spg.com.
Transfer ratios and maximums apply and vary by airline. Preferred members have a minimum transfer requirement of 2,500 Starpoints and Gold Preferred members have a minimum transfer requirement of 1,500 Starpoints. To view the full terms and conditions, visit www.spg.com.
5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with 1 Starpoint to 1 mile conversion rate. Other terms and restrictions apply. To view the full terms and conditions, visit www.spg.com.
All the services associated with Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service).
Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Starwood Preferred Guest^®* Credit Card from American Express. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to Starwood Preferred Guest Credit Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Purchase must be charged in full to an American Express^® Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
When you charge the full price on eligible purchases to your Starwood Preferred Guest Credit Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

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

^®: Used by Amex Bank of Canada under license from American Express.

^®*: SPG, Starpoints, Preferred Guest, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

To qualify for 10,000 bonus points you must have at least $500 in net purchases posted to your account in the first 3 months of Cardmembership. Account must be in good standing. Please allow up to 8 weeks for the bonus to be awarded.
Account must be in good standing. Blue Sky Points will be earned on the amount of all purchases at the rate of 1.25 points for every $1.00 of eligible purchases. Funds advances, finance charges, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Blue Sky Points. Points will be deducted for each return or adjustment.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Points can only be redeemed for a statement credit towards an eligible travel purchase charged to your Blue Sky Credit Card. Redemptions must be made in increments of 5,000 points, with a minimum redemption requirement of 10,000 points for a $100 credit and must be made within 12 months after the travel purchase is posted to your account. Other terms, conditions and restrictions apply.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Blue Sky Credit Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
On select events. Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees.

^T Comprises Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and are subject to local laws and cash availability. In Canada, American Express Travel Services locations are independently owned and operated.

^† Note: All insurance coverages are subject to the terms and conditions of the respective master policies. Certain limitations, exclusions, and restrictions apply. Please read the applicable certificate of insurance carefully.

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Account must be in good standing. Holt Renfrew Rewards Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, finance charges, Amex Cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points.
Purchase must be made at Holt Renfrew using the Holt Renfrew Card from American Express, the certificate included in the Card's welcome package must be presented at time of purchase. Excludes Holt Renfrew Last Call, Cosmetics, fragrances, Tiffany and selected merchandise. No price adjustments on prior purchases. Offer cannot be used in conjunction with any other offer. Please ask a Sales Associate for details.
Spend thresholds apply. Please visit www.holtrenfrew.com for details.
For every Holt Renfrew purchase you charge to your Card of $100 and over, excluding taxes. Not valid on purchases made with Holt Renfrew gift cards. Delivery available only in Canada.
Subject to availability. Some restrictions apply. Please see in-store for details.
Account must be in good standing. Holt Renfrew Rewards Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, finance charges, Amex Cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points.
Points are redeemable for whole dollar amounts with a minimum redemption of 5,000 points required for a $50.00 Holt Renfrew Gift Card. All point redemptions are equivalent to 1% of your total accumulated points (i.e. redeem 10,000 points for a $100 Holt Renfrew Gift Card). Point redemptions are subject to terms and conditions of the Holt Renfrew Rewards program.
Offer valid for applications received by American Express through the links provided within the referral communication and other select communications from americanexpress.ca. This offer cannot be combined with any other offer. Account must be in good standing. Referral bonus will be awarded if and when you and the friend(s) and family member(s) that you refer through the referral program meet all program criteria. Referral program criteria varies by product and may change at any time without notice. See specific referral program terms for details. If the friend(s) and/or family member(s) that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for the referral bonus offered as part of this program. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Holt Renfrew Card from American Express. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
Purchase must be charged in full to an American Express^® Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
When you charge the full price on eligible purchases to your Holt Renfrew Card from American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

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

* Rebates are calculated on eligible net purchases at American Express merchants and are issued as a rebate coupon in January to qualified accounts in good standing for redemption at Costco warehouses in Canada for goods, services or cash within 6 months of date issued. Restricted definition of eligible restaurant and gasoline purchases applies. Other conditions and restrictions apply. See Rewards for details.

Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your TrueEarnings^TM Card from Costco^® and American Express^®. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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.
Purchase must be charged in full to an American Express^® Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
When you charge the full price on eligible purchases to your TrueEarnings^TM Card from Costco and American Express, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance^® Protection Plan is administered by C. Walker Group Inc. Certain limitations, exclusions and restrictions apply. Please read the terms & conditions carefully.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
Comprises Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and are subject to local laws and cash availability. In Canada, American Express Travel Services locations are independently owned and operated.

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

^TM,^®, ^TM: Used by Amex Bank of Canada under license from American Express.

^®†: Registered trademark of Price Costco International, Inc. used under license.

Lounge access is subject to the requirements, terms, conditions and restrictions of lounge providers. Enrollment may be required with certain providers and lounge usage fees may apply. For details, visit www.americanexpress.ca/businessplatinum.
To receive Fine Hotels & Resorts program (FHR) amenities and rates, reservation must be booked at FHR negotiated rates and room categories through Platinum Card Travel Service from Amex Canada Inc. Payment must be made with an American Express^® Card in the Business Platinum Cardmember’s name. Room upgrade based on availability. Limit one amenity per room, per stay. Amenity restrictions vary by hotel, are subject to change, and cannot be redeemed for cash. Business Platinum Card members may book up to three (3) rooms inclusive of FHR rates and amenities and must accompany the party as a guest for which FHR reservations are made. In the event the Business Platinum Card member cancels the reservation(s), FHR rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FHR property are considered one stay.
As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.
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.
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, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
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, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
Membership Rewards points can only be redeemed for a statement credit towards an eligible travel purchase charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit and redemptions must be made within 12 months after the travel purchase is posted to your account. Other terms, conditions and restrictions apply.
Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit www.membershiprewards.ca for full Membership Rewards Terms and Conditions.
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.
Canadian Platinum Lounge Benefit – Holders of eligible American Express Cards (“Eligible Cardmembers”) may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis. Participating Lounges may change from time to time. To access a Participating Lounge, Eligible Cardmember must show a valid, unexpired eligible American Express Card, airline ticket for travel on the same day and government issued photo identification in the name of the Eligible Cardmember. Eligible Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter a participating lounge as complimentary guests. Guest must accompany eligible Cardmember; show a valid airline ticket for travel on the same day and government-issued photo identification to access a participating lounge. International Plaza Premium Lounges, maximum of 2 hour stay. Québec City's Jean Lesage International Airport VIP Lounge, eligible Cardmember’s children must be under the age of 18. House rules, terms and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
Holders of eligible American Express Cards (“Eligible Cardmembers”) may access participating Canadian and International airport lounges (“Participating Lounges”) on a complimentary basis. Participating Lounges may change from time to time. For a complete listing visit americanexpress.ca/platinumlounges. To access a Participating Lounge, Eligible Cardmember must show a valid, unexpired eligible American Express Card, airline ticket for travel on the same day and government-issued photo identification in the name of the Eligible Cardmember. Eligible Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter a participating lounge as complimentary guests. Guest must accompany eligible Cardmember; show a valid airline ticket for travel on the same day and government-issued photo identification to access a participating lounge. International Plaza Premium Lounges, maximum of 2 hour stay. Québec City’s Jean Lesage International Airport VIP Lounge, eligible Cardmembers children must be under the age of 18. House rules, terms and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
Business Platinum Card member must be traveling. Name on ticket must match name on the Business Platinum Card. Special industry reduced revenue tickets are not eligible with Delta and American Airlines. The Business Platinum Card member must be 18 years of age to access American Airlines Admirals Club^® Lounges and 21 years of age to access other airport club lounges without a parent or guardian. The Business Platinum Card member’s spouse and children under the age of 21 or up to two companions may enter the airport club lounges as complimentary guests. Code-share and affiliated lounge agreements do not apply. The Business Platinum Card member must present his or her valid Business Platinum Card, government-issued I.D., and qualified airline ticket to airport club lounge agents. Complimentary access is specifically for the airport club lounge that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Note that amenities may vary among airport club lounge locations. Meeting rooms may be reserved for a nominal fee. Business Platinum Card member and guests must adhere to all house rules of participating airport club lounges.
Starwood Preferred Gold Membership Business Platinum Cardmembers must phone 1-888-625-4990 and provide a reference code to enroll in the Starwood Preferred Guest program and to qualify for Gold Preferred membership (“Membership”). Membership is subject to the terms, conditions and restrictions of the Starwood Preferred Guest Program, which are subject to change without notice. This benefit is subject to change and may be discontinued at any time. American Express reserves the right to instruct Starwood Hotels & Resorts Worldwide, Inc. to cancel your Membership if you cease to be a Business Platinum Card member. Bookings must be charged to the Business Platinum Card. Fine Hotels and Resorts amenities may not be combinable with Gold Preferred level amenities. Preferred rooms are identified by each property and are superior standard rooms that may include rooms on higher floors, corner rooms, newly renovated rooms, or rooms with preferred views. Preferred rooms do not include suites. Upgrades are subject to availability at time of check in for the length of the stay, provided the room was not booked through a pre-paid third party channel. The upgrade benefit is available for one room for the personal use of the Business Platinum Card member only, regardless of the number of additional rooms purchased. Late check-out may not be available at some properties.
Membership in Fairmont President’s Club Platinum Membership is subject to the terms, conditions and restrictions of Fairmont Hotels & Resorts which are subject to change without notice. American Express reserves the right to instruct Fairmont Hotels & Resorts to cancel your Membership if you cease to be a Business Platinum Card member. Bookings must be charged to your Business Platinum Card. Bookings must be charged to your American Express Card.
Upon authorization by the Business Platinum Card member, Concierge uses its best efforts to source or arrange the purchase of requested goods or services from a supplier. There is no charge for using the services of Concierge, however the Cardmember will be responsible for paying the supplier for any purchases and/or shipping charges you authorize, as well as any other fees or related costs that may apply. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Cardmember requests in all instances.
The International Airline Program (the “Program”) offers a complimentary or discounted companion ticket, complimentary upgrade, special class fare or discounted fare on participating airlines to holders of an eligible basic American Express Cards (“Eligible Cards”) as described in this Welcome Brochure or are otherwise identified to you by American Express (“Eligible Cardmember”). In order to take advantage of the Program, the Eligible Cardmember’s account must be active (meaning not cancelled).
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Business Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Travel Accident Insurance provides automatic coverage of up to $500,000 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 Business Platinum Supplementary Cardmember and they will also be covered. Spouse and dependant children (under 23) of Business Platinum 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.
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.
Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage
Underwritten by Chartis Insurance Company of Canada.
When you charge the full price on eligible purchases to your Business Platinum Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage in excess of any and all other applicable insurance.

^† 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.

^® Used by Amex Bank of Canada under license from American Express

^®* Aeroplan is a registered trademark of Aeroplan Limited Partnership.

SM StandbyMD is a Service Mark of Healthcare Concierge Services, Inc

To qualify for a Welcome Bonus of 25,000 points you must have at least $3,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. Points may be transferred to select third party frequent flyer or loyalty programs participating in the Membership Rewards^® program and then redeemed for one economy class round-trip airline ticket. Once points are transferred, they are subject to the terms, conditions and restrictions of such third party program. Currently, up to 25,000 points are required for a round-trip economy class flight to continental United States (including Alaska) and Canada (plus applicable fees and taxes). When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.
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, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28,29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.
Membership Rewards points can only be redeemed for a statement credit towards an eligible travel purchase charged to your Card. There is a minimum redemption requirement of 1,000 points for a $10 credit and redemptions must be made within 12 months after the travel purchase is posted to your account. Other terms, conditions and restrictions apply.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Each year if, on or before the annual reset date you reach $50,000 in net purchases charged to your account, you will earn 15,000 bonus points, and if you reach $100,000 in net purchases you will earn an additional 25,000 points. On the annual reset date, the amount of annual net purchases resets to zero. Account must be in good standing
Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions and restrictions apply. Visit www.membershiprewards.ca for full Membership Rewards Terms and Conditions.
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.
Subject to the Electronic Payment Program Agreement and availability of the service, you can request a same day payment prior to 8 PM Eastern Time or , if your account is in good standing, a future payment within 25 days scheduled by your next due date (or 28 days after the date of your statement for Corporate Card). However, your first payment can only be scheduled 3 calendar days after enrolment of the bank account. Although we may credit your American Express account it may not appear on your Online Services summary and may not be cleared through your bank until a subsequent day.
Purchase must be charged in full to an American Express^® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express^® Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Underwritten by RBC Insurance Company of Canada.
Travel Accident Insurance provides automatic coverage of up to $100,000 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.
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.
Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.
Underwritten by Chartis Insurance Company of Canada.
When you charge the full price on eligible purchases to your Business Gold Rewards Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage in excess of any and all other applicable insurance.

† 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.

^® Used by Amex Bank of Canada under license from American Express

^®* Aeroplan is a registered trademark of Aeroplan Limited Partnership.

§The Starwood Preferred Guest program is operated by or on behalf of Starwood Hotels & Resorts Worldwide, Inc. and is subject to terms, conditions and restrictions. For details, please see www.spg.com.

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

To qualify for the 10,000 Bonus Starpoints, you must have at least $1,000 in net purchases posted to your account on or before your three month anniversary date. Three nights are based on five mid-week nights in a standard room at a Category 2 property. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher Starpoints redemption. For complete information on reward stays, please see www.SPG.com.
Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.
Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.
Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.SPG.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.
All references to you means the Basic Cardmember.
Referral bonus awarded to the Basic Cardmember. Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.SPG.com.
Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.SPG.com.
Transfer ratios and maximums apply and vary by airline. Preferred members have a minimum transfer requirement of 2,500 Starpoints and Gold Preferred members have a minimum transfer requirement of 1,500 Starpoints. To view the full terms and conditions, visit www.spg.com.
5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with 1 Starpoint to 1 mile conversion rate. Other terms and restrictions apply. To view the full terms and conditions, visit www.spg.com.
Basic Card annual fee may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. To receive savings with a partner, you must charge your eligible purchases to your Starwood Preferred Guest Business Credit Card is in accordance with the terms and conditions applicable to that partner. Some Savings Program partners may require you to establish a customer account with them, in which they will record your Card information, in order to provide the discounts.
Basic Card annual fee may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
Purchase must be charged in full to an American Express^® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
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.
Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Starwood Preferred Guest Business Credit Card from American Express. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Starwood Preferred Guest Business Credit Card from American Express. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Underwritten by RBC Insurance Company of Canada.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Underwritten by Chartis Insurance Company of Canada
Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage
Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

^®: Used by Amex Bank of Canada under license from American Express.

^®*: SPG, Starpoints, Preferred Guest, St. Regis, The Luxury Collection, W Hotels, Le Méridien, Westin, Sheraton, Aloft, Element, Four Points and their respective logos are the trademarks of Starwood Hotels & Resorts Worldwide, Inc., or its affiliates.

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

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Basic Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.
Account must be in good standing. To qualify for a Welcome Bonus of 250 AIR MILES reward miles you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership. If you are upgrading your Card, purchases which are posted to your card account prior to the date that we process the conversion in our system will not be included in the calculation of the reward miles welcome bonus.
Account must be in good standing. AIR MILES reward miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for reward miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmiles sponsors for details. List is subject to change without notice. If you are upgrading your Card, new earn rate(s) will apply to credits and returns regardless of the original earn rate for purchases.
Account must be in good standing. Each year if, before the annual reset date, you reach $50,000 in net purchases charged to your account you will earn 1,000 Bonus reward miles. On the annual reset date, the amount of annual net purchases resets to zero. If you are upgrading your Card, purchases which are posted to your card account prior to the date that we process the conversion in our system will not be included in the calculation of the reward miles annual bonus.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
Purchase must be charged in full to an American Express® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express AIR MILES Platinum Business Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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
Underwritten by RBC Insurance Company of Canada.
Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your AIR MILES Platinum Business Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.
Underwritten by Royal & Sun Alliance Insurance Company of Canada.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

All Rewards offered are subject to the Terms and Conditions of the Program, are subject to change and may be withdrawn without notice. Some restrictions apply. Quantities may be limited. Merchandise rewards include all taxes, shipping and handling costs. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards are subject to a minimum 7-day advance booking and availability from participating Suppliers. Flight must be booked no later than 6 p.m. Eastern Time on the 7th day prior to departure. Saturday night stay may be required. No cancellations, exchanges or refunds on tickets, certificates or merchandise once booked. For complete details, see current Program Terms and Conditions available at www.airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171).

^® Trademark Used by Amex Bank of Canada under license from American Express.

^®* Trademarks of AIR MILES International Holdings B.V. Used under licence by LoyaltyOne, Inc. and Amex Bank of Canada.

^®** Trademark of Interac Inc. Amex Bank of Canada authorized user of the Trade Mark.

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

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Account must be in good standing. To qualify for a Welcome Bonus of 150 AIR MILES reward miles you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership.
Account must be in good standing. AIR MILES reward miles will be earned on the amount of all purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for reward miles. Accelerated earn rate is available at Sponsors that are American Express merchants. Visit the Eligible Sponsor List at americanexpress.ca/airmiles sponsors for details. List is subject to change without notice. If you are upgrading your Card, new earn rate(s) will apply to credits and returns regardless of the original earn rate for purchases.
Your account must be in good standing. You agree to only make recommendations to known friends or family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. You must not send recommendations to people you do not know. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. This referral program ends on June 30, 2012 and cannot be combined with any other offer. Referral program criteria varies by product and may change at any time without notice. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for referral bonus offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program when the referral bonus is awarded. All products and services are subject to applicable terms and conditions.
All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES reward miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay taxes, fuel surcharges and other applicable charges and fees on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Inc. makes no representations or warranties, expressed or implied. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888-AIR MILES (in Toronto (416) 226-5171).
If approved by us your personal identification number (PIN) will be released to you by mail. Please note that only the Basic Cardmember is eligible for cash access.
Underwritten by Chartis Insurance Company of Canada.
Purchase must be charged in full to an American Express^® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express AIR MILES Gold Business Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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

^® Trademark Used by Amex Bank of Canada under license from American Express.

^®* Trademarks of AIR MILES International Holdings B.V. Used under licence by LoyaltyOne, Inc. and Amex Bank of Canada.

^®** Trademark of Interac Inc. Amex Bank of Canada authorized user of the Trade Mark.

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

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

1. You must qualify annually to receive a rebate. Your rebate is calculated on purchases only and is applied as a credit on your statement in January. Certain conditions and restrictions apply. Rebates are not earned on balance transfers. On the first $2,000 in eligible purchases, the Cash Rebate is 0.25%; on the next $3,000 in eligible purchases, the Cash Rebate is 0.50%; on any amount over $5,000 in annual purchases, the Cash Rebate is 1.5%. Bonus Rebate: 0.5% on all net eligible new purchases when you carry a balance. The annual maximum Basic Rebate amount is $1,000; the annual maximum Bonus Rebate amount is $250.
If approved by us your personal identification number (PIN) will be released to you by mail. Please note that only the Basic Cardmember is eligible for cash access.
Underwritten by Chartis Insurance Company of Canada
Purchase must be charged in full to an American Express^® Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.
Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Business Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent 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

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

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