*Basic Cardmember is responsible for repayment of all charges. Account must be in good standing. An additional card is a supplementary card. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.

1. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
2. You can earn 2% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $15,000 in purchases posted to your account on this category (equal to $300 cash back) annually. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 1.25% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.
   
   Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1.25% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other charges, and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.
3. You can earn 4% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 2% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.
   
   Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 2% cash back on eligible purchases applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone or online retailer that sells goods of other merchants or the merchant category is otherwise not identified. Provided your account is in good standing, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.
4. To qualify for the offer, you must add a Supplementary Aeroplan^®* Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary Aeroplan^®* Cardmember must have at least $1,000 in net purchases posted to their Supplementary Aeroplan^®* Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 15,000 bonus Aeroplan^®* points during the offer period. Supplementary Aeroplan^®* No Fee Card is excluded from the offer and will not qualify for bonus points. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Aeroplan^®* account by February 10, 2025, provided the spend requirement has been met.
5. Basic Cardmember or eligible Supplementary Cardmember, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, please visit www.aircanada.com/baggage.
6. To qualify for the offer, you must add a Supplementary Aeroplan^®* Reserve Card or Aeroplan^®* Reserve No Fee Card to your account between August 12, 2024 and September 23, 2024. Each Supplementary Aeroplan^®* Reserve Cardmember must have at least $3,000 in net purchases posted to their Supplementary Aeroplan^®* Reserve Card within the first 3 months after Card approval. Each Supplementary Aeroplan^®* Reserve No Fee Cardmember must have at least $1,000 in net purchases posted to their Supplementary Aeroplan^®* Reserve No Fee Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 40,000 bonus Aeroplan^®* points for two Supplementary Aeroplan^®* Reserve Cards during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the combined maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask to provide ID proof associated with the Supplementary Card member at any point of time. Bonus points will be credited to your Aeroplan^®* account by February 10, 2025, provided the spend requirement has been met.
7. Basic Cardmember and Supplementary Cardmember(s) are each entitled to complimentary access to any Maple Leaf Lounge located in Canada and the United States, including International Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Guests of Basic Cardmembers or Supplementary Cardmembers may enter upon paying an applicable fee. Access will be granted in conjunction with a same-day, confirmed ticket on a flight marketed or operated by Air Canada^®*, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline. Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. See www.aircanada.com/lounges-termsandconditions for applicable Maple Leaf Lounges Terms and Conditions.
8. To qualify for the offer, you must add a Supplementary Platinum or Gold Rewards Card to your account between August 12, 2024 and September 23, 2024. Each Supplementary Platinum Cardmember must have at least $3,000 in net purchases posted to their Supplementary Platinum Card within the first 3 months after Card approval. Each Supplementary Gold Rewards Cardmember must have at least $1,000 in net purchases posted to their Supplementary Gold Rewards Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 40,000 bonus Membership Rewards^® points for two Supplementary Platinum Cards during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the combined maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Membership Rewards account by February 10, 2025, provided the spend requirement has been met.
   
9. Global Lounge Collection - Holders of the Platinum Card may access participating Canadian and International airport lounges ("Participating Lounges") on a complimentary basis, upon presentation of the required entry documentation. Participating Lounges may change from time to time. For a complete listing of partners and full terms & conditions of each Participating Lounge, visit americanexpress.ca/platinum-lounge. House rules, terms and conditions of Participating Lounges apply. Use of Participating Lounges is subject to availability. Unless otherwise stated, Participating Lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time.
10. To qualify for the offer, you must add a Supplementary Gold Rewards Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary Gold Rewards Cardmember must have at least $1,000 in net purchases posted to their Supplementary Gold Rewards Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 10,000 bonus Membership Rewards^® points during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Membership Rewards account by February 10, 2025, provided the spend requirement has been met.
11. Account must be in good standing. An additional card is a supplementary card. No annual fee for one supplementary Gold Rewards card. Each supplementary card added thereafter $50 annually. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.
12. 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 charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
13. To qualify for the offer, you must add a Supplementary Green Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary Green Cardmember must have at least $500 in net purchases posted to their Supplementary Green Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 5,000 bonus Membership Rewards^® points during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Membership Rewards account by February 10, 2025, provided the spend requirement has been met.
14. To qualify for the offer, you must add a Supplementary Marriott Bonvoy^® American Express^®* Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary Marriott Bonvoy^® American Express^®* Cardmember must have at least $1,000 in net purchases posted to their Supplementary Marriott Bonvoy^®American Express^®* Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 10,000 bonus Marriott Bonvoy^® points during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Marriott Bonvoy account by February 10, 2025, provided the spend requirement has been met.
15. To qualify for the offer, you must add a Supplementary Cobalt^® Card to your account between August 12, 2024 and September 23, 2024 and each Cobalt^® Cardmember must have at least $1,000 in net purchases posted to their Supplementary Cobalt^® Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of 10,000 bonus Membership Rewards^® points during the offer period. You must apply for a Supplementary Card through the link provided on this page or by calling 1-800-869-3016. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Bonus points will be credited to your Membership Rewards account by February 10, 2025, provided the spend requirement has been met.
16. To qualify for the offer, you must add a Supplementary SimplyCash^® Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary SimplyCash^® Cardmember must have at least $500 in net purchases posted to their Supplementary SimplyCash^® Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of a $50 statement credit during the offer period. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Statement credit will be credited to your SimplyCash^® account by February 10, 2025, provided the spend requirement has been met. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their Card account.
17. To qualify for the offer, you must add a Supplementary SimplyCash^® Preferred Card to your account between August 12, 2024 and September 23, 2024 and each Supplementary SimplyCash^® Preferred Cardmember must have at least $1,000 in net purchases posted to their Supplementary SimplyCash^® Preferred Card within the first 3 months after Card approval. You can be eligible to earn up to a total maximum of a $100 statement credit during the offer period. American Express reserves the right to approve additional Supplementary Card applications, but you will not be eligible for this offer once you have reached the maximum of two Supplementary Cards. Account must be in good standing during offer period and at time of offer fulfillment. If we determine you have engaged in any abuse related to the offer and/or rewards program, we reserve the right to forgo issuing the bonus points, deduct it from your account, and/or cancel your basic account and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple cards to earn points, applying for a Card under a false name or date of birth, cancelling your existing Supplementary Card(s) to take advantage of this offer, or booking travel or any other purchases to meet the spend requirement and cancelling/refunding later. We may ask you to provide ID proof associated with the Supplementary Card member at any time. Statement credit will be credited to your SimplyCash^® Preferred account by February 10, 2025, provided the spend requirement has been met. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their Card account.

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