1. To qualify for a Welcome Bonus of 25,000 points 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. Please allow up to 8 weeks for bonus points to be awarded. 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.

2. 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.

3. Subject to availability.

3. Account must be in good standing. Membership Rewards points will be earned 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.

4. 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.

1. 100 Bonus reward miles will be awarded upon first use of an approved Card. Please allow up to 6 weeks for the bonus to be awarded. This offer cannot be combined with any other offer.

2. 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, 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 reward miles.

3. Subject to approval. All rates expressed as annual rates. The applicable rates are 3.99% on balance transfers for the first 6 months and 18.50% on purchases and funds advances. If you have one Missed Payment at any time after the date that the first balance transfer is posted to your account, the introductory rate on balance transfers will be revoked and balance transfers will be treated in the same way as purchases, including the applicable annual interest rate that applies to purchases at that time. If you have Missed Payments, the applicable rates for your account will be 19.99% and/or 25.99%. Balance transfer may only be requested at the time of application unless we otherwise permit. For more information including the definition of Missed Payment and which rates apply to charges on your account and other details please read Terms and Conditions and Disclosure on the online application.