1. Comparison is between the ChoicePlus Card earn rates of 2 points/$1 in Card purchases at your 5 places and 1 point/$1 in Card purchases everywhere else and the Choice Card earn rates of 1 point/$1 in Card purchases at your 5 places and 1 point/$2 in Card purchases everywhere else.

2. 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.

3. 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 at www.americanexpress.ca/choose5places. 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 and you will not earn extra points at your 5 places if the merchant code is not in a bonus category. Extra points will not be earned at your 5 places where the merchant processes transactions using an electronic wallet, that are 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. 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.

4. 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 www.americanexpress.ca/choose5places. 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 and you will not earn extra points at your 5 places if the merchant code is not in a bonus category. Extra points will not be earned at your 5 places where the merchant processes transactions using an electronic wallet, that are 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. 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.

5. 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 redeemed for gift Cards or certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-800-668-2639.

6. No annual fee for Supplementary Cards. Supplementary Cardmembers must be age of majority. Maximum 9 Supplementary Cards per account.

7. When you charge the full price on eligible purchases to your ChoicePlus 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.

8. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

9. 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.

10. All references to you means the Basic Cardmember.

11. 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.

12. Other rewards are available in the Choice by Membership Rewards Tier of the Membership Rewards Program. Visit membershiprewards.ca for full details.

13. 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.

14. ® The Home Depot is a registered trademark of Homer TLC, Inc.

15. 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.

16. 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.

17. Bon Appétit Gift Card™ are trademarks of Cara Operations Limited or its affiliates and are used under license.

18. Apple is not a participant in or sponsor of this promotion.

19. TM, ®:  Cineplex Entertainment LP or used under license.

20. For full terms and conditions, visit Ticketmaster.ca/americanexpress/learn

21. 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. 

22. 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.

23. Point transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

24. 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. 

25. ^®Avis is a registered trademark licensed to  Aviscar, Inc., for use in Canada.

26. 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

27. 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.

28. You must register for Online Services in order to enroll in Online-Only Statements. If you do not enroll, or if you or we cancel your enrollment in Online-Only Statements, the $2 monthly paper statement fee will be charged for each paper statement. We may cancel your enrollment if we have reason to believe you have not received your electronic statement.  Please see the Cardmember Agreement, information box and disclosure statement included with your Card for details.

†: 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.

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