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For Personal Use

The American Express® Gold Rewards Card
The American Express®
Gold Rewards Card
25,000 Welcome Bonus Points1
Enough for a round-trip flight almost anywhere in North America2
Pay no annual fee for the first year Apply Now

Choose this Card to

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.3
  • Transfer your points to frequent flyer programs4 or 1:1 to Aeroplan®*5 and Avios®*7

For Small Business Owners

The American Express® Business Gold Rewards Card
The American Express ®
Business Gold Rewards Card
30,000 Bonus Membership Rewards®points6 That’s enough to redeem for a $300 TripFlexTM rewards statement credit to use towards eligible travel purchases charged to your Card9
Plus, pay no annual fee for the first year – a $250 value* Apply Now

Choose this card to

  • Earn 1 point for every $1 in Card purchases, plus earn up to 250,000 extra points on purchases each year at 3 Suppliers you choose from a select list of American Express merchants in Canada!19
  • Redeem points to offset eligible business and travel expenses!25

Why you should say YES to the Card:

  • Earn a Welcome Bonus of 25,000 Membership Rewards® Points – our HIGHEST Gold Rewards Card offer – just by making $500 in purchases in the first three months of Cardmembership1. Enough for a round-trip flight almost anywhere in North America2
  • Earn double points on eligible travel and everyday purchases3
  • There’s no limit to how many points you earn and they never expire
  • Charge any travel to your Card and pay with points, with no blackout periods9
  • Transfer your points to frequent flyer programs4, or one-to-one to Aeroplan®*5 and Avios®*7
  • No pre-set spending limit10
  • Get access to some of the hottest events with Front of the Line®11
  • No annual fee for the first year. A value of $150*
  • 1 Free Supplementary Gold Rewards Card – a $50* value – to help you earn points faster32

Double points on travel and everyday purchases

Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada.3

Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.3

Earn one point for every $1 in Card purchases everywhere else.3

Book any travel and pay with points

Use a travel agency, tour operator or even an online travel website to book your travel plans. Charge last minute vacation packages, airline tickets, car rentals, adventure tours, and more to your Card, with no blackouts or seat restrictions. Then call us to redeem your points.9 Your points can even cover taxes and fees. You can also redeem points towards a travel charge up to 12 months later.

Transfer your points

Transfer your points to Aeroplan®*.
1000 Membership Rewards points = 1000 Aeroplan Miles.5

Aeroplan

You can also transfer your points to these leading frequent flyer and hotel rewards programs.4

British Airways
Alitalia
Delta
Hilton HHonors
Starwood Preferred Guest
Cathay Pacific

Redeem for rewards beyond travel

What’s your ideal reward? Whether it’s travel, top brand merchandise, gift cards from leading retailers or one-of-a-kind experiences, the Gold Rewards Card opens up a world of rewards to treat yourself or someone special.

Earn 25,000 Welcome Bonus Points1
Enough for a round-trip flight almost anywhere in North
America2

Apply Now The American Express® Gold Rewards Card

Coverage Around the World

  • Emergency Medical Insurance13†
  • Trip Interruption Insurance13†
  • Car Rental Theft and Damage Insurance14†
  • Lost or Stolen Baggage Insurance15†
  • Flight Delay Insurance13†
  • Hotel/Motel Burglary Insurance15†
  • $500,000 Travel Accident Insurance16†
  • Travel Network Coverage17

Front of the Line® access to concerts and events

The American Express® Gold Rewards Card
Earn 25,000

Welcome Bonus Points1

Enough for a round trip flight almost anywhere in North America2

Apply Now
The American Express® Business Gold Rewards Card

Prefer a Business Card?

Access the Business Gold Rewards Card tab here.

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



The New American Express® Business Gold Rewards Card

  • Earn 1 point for every $1 in purchases19 charged to the Card. Plus, you can earn 1 extra point for every $1 in eligible purchases charged to the Card at 3 Suppliers you choose from a list of participating American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year.19
  • Earn a Welcome Bonus of 30,000 points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership6. That’s enough to redeem for a $300 TripFlexTM rewards statement credit to use towards eligible travel purchases charged to your Card.9
  • Your points never expire
  • Offset Select Business Expenses with PointFlex for Business
    12,500 Membership Reward points = $100 PointFlex for BusinessTM statement credit
  • Unrestricted travel – book eligible travel on your Card and pay with points, with no blackout periods9.
    10,000 Membership Reward points = $100 TripFlexTM statement credit
  • Transfer your points to frequent flyer and loyalty programs,4 including 1:1 to Aeroplan®*5 and Avios7
  • Boost your cash flow with up to 55 Interest Free Days8
  • Dynamic purchasing power that evolves with your business10
  • Get access to some of the hottest events with Front Of The Line®11
  • No annual fee for the first year – a $250 value*
  • Share many of the benefits of this Card with key employees with no annual fee for the first year.
    Supplementary Cards - $50* annual fee each thereafter31

Turn your business expenses into rewards.

Earn 1 point for every $1 in eligible purchases charged to your Card.19

All points accumulate in your account so you can get the rewards you want faster. Your points never expire. Earn at the same rate for virtually every dollar in purchases charged to Supplementary Cards for employees.19

Earn 1 extra point for every $1 in eligible purchases charged to your Card at the 3 Suppliers you choose from a list of participating American Express merchants in Canada. You can earn up to a maximum of 250,000 extra points in each calendar year.19

Offset Business Expenses with PointFlex for BusinessTM

Redeem points for statement credits on eligible business purchases charged to your Card25 at certain American Express merchants in Canada. These merchants provide goods and services in business categories such as technology, equipment, advertising and everyday business expenses.

12,500 Membership Reward points = $100 PointFlex for BusinessTM statement credit

Get the cash flow you need whenever you need it. In business you  never know what's around the corner.

Unrestricted travel – Pay with points

Use your points to save money by investing back into your business. Book any travel you can find – any airline seat, hotel room, rental car. Charge it to your Card, then call us to pay for it with points.9 Taxes and fees, too. No blackouts, no restrictions.10,000 Membership Reward points = $100 TripFlexTM statement credit

You can also transfer your points 1:1 to Aeroplan5 and Avios7 and to other frequent flyer and hotel reward programs4.

Aeroplan Cathay Pacific Delta

Rewards for your business. Or just for you.

Use points for a wide range of gift cards and merchandise26

Shop and dine with points by redeeming for a wide selection of gift cards and certificates, including Golf Town27, The Home Depot28, Holt Renfrew, The Keg Steakhouse & Bar® and Bon Appétit29. You can also choose to redeem points for top brand merchandise such as Apple20, Bose® and Sony.

The New American Express® Business Gold Rewards CardEarn 30,000
Bonus Membership Rewards® points6
That's enough to redeem for a $300 TripFlexTM rewards statement credit to use towards eligible travel purchases charged to your Card9

Apply Now The American Express® Business Gold Rewards Card

Business Solutions and Travel Benefits

  • Up to 55 Interest Free Days
  • Dynamic Purchasing Power
  • Real-time Payment Options
  • Flight Delay Insurance13†
  • Complimentary Car Rental Theft and Damage Insurance14†
  • Baggage Delay Insurance15†
  • Lost or Stolen Baggage Insurance15†
  • Hotel / Motel Burglary Insurance15†
  • $100,000 Travel Accident Insurance21†
  • Travel Emergency Assistance22
  • Employee Card Misuse Protection23
  • Disability Plan for Small Business24†

Front of the Line® access to concerts and events

The American Express® Business Gold Rewards Card
Earn 30,000

Welcome Bonus Points6

That's enough to redeem for a $300 TripFlexTM rewards statement credit to use towards eligible travel purchases charged to your Card9

Apply Now
The American Express® Gold Rewards Card

Prefer a personal Card?

Access the Gold Rewards Card tab here.

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

* 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.

1. Offer subject to change at any time. 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.

2. 25,000 Membership Rewards points = 25,000 Aeroplan Miles. As per Aeroplan's current reward chart, 25,000 Aeroplan Miles are currently enough for a round-trip long-haul flight reward in economy class within Canada or to the Continental US 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.

3. You can earn 2 Membership Rewards points for every $1 in eligible consumer purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, (ii) at stand-alone drugstores in Canada, (iii) at stand-alone grocery stores in Canada, and (iv) for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales but not including local and commuter transportation. Purchases at merchants where gas, grocery, pharmacy and travel sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for the earn rate in this category. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 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, points can be earned on eligible purchases less returns and other credits. Interest, fees, and charges for travellers cheques and foreign currencies are not purchases and do not earn points.

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

5. 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 membershiprewards.ca for full Membership Rewards Terms and Conditions.

6. To qualify for a Welcome Bonus of 30,000 points you must have at least $5,000 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. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

7. Membership Rewards point 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 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com

8. As a charge card, the balance must always be paid in full each month in which case 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.

9. You can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums. You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases. If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Other terms, conditions and restrictions apply.

10. No Pre-Set Spending Limit on purchases 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.

11. 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.

12. Examples are simplified for illustrative purposes. Rewards shown are specific to TripFlex rewards and transfers to Aeroplan®* only. Other rewards are available in the Membership Rewards Program. membershiprewards.ca for full details.

13. Underwritten by RBC Insurance Company of Canada.

14. 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 or American Express Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of the rental (s) and the type of vehicle covered.

15. Underwritten by RBC Insurance Company of Canada. In Quebec, certain coverages are underwritten by RBC General Insurance Company.

16. Travel Accident Insurance is Underwritten by ACE INA Life Insurance, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

17. 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.

18. When you charge the full price on eligible purchases to your American Express Gold Rewards Card or American Express 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.

19. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express merchants. To view the list of participating merchants visit amexforbusiness.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.

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

21. 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 America Express Business Gold Rewards 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.

22. 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.

23. 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.

24. Underwritten by AIG Insurance Company of Canada.

25. You can redeem Membership Rewards points for a statement credit toward an Eligible Business Purchase, which is a purchase charged to your Card at select American Express merchants in Canada chosen by us that provide goods and services to businesses. You must redeem a minimum of 1,250 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Business Purchase. Eligible Business Purchases can only be viewed online. You must register for online services to view your Eligible Business Purchases. Other terms, conditions and restrictions apply.

26. Membership Rewards points can be redeemed for Gift Cards, Certificates 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.

27. 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.

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

29. Bon Appétit Gift Card™ is a trademark of Cara Operations Limited or its affiliates and is used under license.

30. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

31. Maximum of 99 Supplementary Cards. Account must be in good standing. Supplementary Card applicant must be the age of majority.

32. Maximum of 9 Supplementary Cards per account. There is no annual fee for one Supplementary Gold Reward Card. Additional Supplementary Cards have an annual fee of $50 each, which is waived for the first year.

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.

§ American Express Gold Rewards Card. Winner of Top Hybrid Travel Credit Card (with annual fee) as chosen by RewardsCanada.ca in 2014 and 2013.

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

®* Aeroplan is a registered trademark of Aimia Inc.

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

®*** Trademark of Federal Express Canada Ltd.