*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.

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. 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.

2. 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 www.membershiprewards.ca for details.

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

4. 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.

5. 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.

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. 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.

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

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