* 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. 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. Membership Rewards points can be transferred to Aeroplan Miles. 1,000 Membership Rewards Points = 1,000 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). 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 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.

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. 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.

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 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. 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. 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

8. 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.

9. 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 qualified travel purchase is posted to your account. Other terms, conditions and restrictions apply.

10. 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.

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

12. Examples are simplified for illustrative purposes. Rewards shown are specific to Trip Flex rewards and transfers to Aeroplan^®* only. Other rewards are available under the Membership Reward Program. Visit 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 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 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.

20. Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. Details will be provided upon Card approval. To receive savings with a partner, you must charge your eligible purchases to your eligible American Express Card in accordance with the terms and conditions applicable to that partner.

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 Chartis Insurance Company of Canada.

25. 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.

† 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 voted by RewardsCanada.ca in 2011 and 2012

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

®* Aeroplan and ClassicFlight are registered trademarks of Aimia Inc.

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

®*** Trademark of Federal Express Canada Ltd.