†: All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. If you are a Quebec resident, please read the Insurance Summary and Fact Sheet.

1. Subject to Approval. Account must be in good standing. You, the Basic Cardmember, will be liable for all charges to a Supplementary Card. 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. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees and cash equivalent transactions are not purchases and do not qualify for points.
3. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero on the 1st of each month. Earn 3 points for every $1 on eligible streaming subscriptions at select providers in Canada. The current list of providers is available at americanexpress.ca/streaming. Purchases with merchants that are not on the list or that are on the list but bundled with another product or service or billed by a third party such as a digital platform or a cable, telecommunications or internet provider, or a car manufacturer, are not eligible. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada and (ii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
4. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for Online Services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases, will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.
   Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1-800-668 -AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.
5. Merchandise Availability: All merchandise rewards are subject to availability. If an order is not available, a similar item of equal value or greater will be substituted whenever possible. If a substitution is not available, your Membership Rewards points will be credited back to your program account and you will be contacted. Merchandise rewards are subject to change without notice. New merchandise rewards will be added to the program on a regular basis. Some rewards are available in limited quantities. Limited items will be noted in the product description.  
   Merchandise Delivery: Please allow 2-4 weeks for delivery. Cardmembers are required to provide a signature when rewards are delivered. Some items may have longer delivery times—this will be indicated. Orders are shipped via courier and require complete mailing address and telephone number for daytime delivery. (Orders cannot be shipped to a post office box.)  
   Merchandise Returns: Redeemed rewards are not refundable, exchangeable, replaceable or transferable for cash or credit.
6. Membership Rewards points can be redeemed for Gift Cards or certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward.
7. The Hotel Collection Terms and Conditions: Valid at participating hotels for new bookings of at least two consecutive nights made through Platinum Card Travel Service, Personalized Travel Service, Centurion Travel, americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Platinum, Canadian Gold Rewards, Canadian Cobalt, Canadian Business Platinum, Canadian Business Gold Rewards, or Canadian Centurion Cardmember’s name at time of checkout. The Platinum, Gold Rewards, Cobalt, Business Platinum, Business Gold Rewards, or Centurion Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the $100 USD credit as deduction from the final hotel bill when checking out of the hotel; $100 USD. Amenities vary by property and facilities available. To receive the credit, the eligible spend must be charged to your hotel room and the credit will be applied at check-out. Charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay. (2) A one category room upgrade is based on availability and eligibility at check-in to the hotel. 12pm check-in and late check-out are based on availability and eligibility at check-in to the hotel. Three-room limit per Cardmember per stay. Back-to-back stays booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Participating hotels and benefits subject to change.
   Featured Hotels Terms and Conditions: All featured hotel prices, benefits, offers, and availability are accurate at the time first displayed on the American Express Travel website. While every effort is taken to ensure hotel inventory, benefits, and offers remain accurate, prices and availability may change at any time, and are dependent on third party inventory. Hotel pricing, benefits, offers, and availability are not guaranteed until the receipt of your booking confirmation email. Hotel bookings and associated benefits and offers are subject to availability and respective cancellation policies of the hotel. The respective hotel is responsible for the fulfilment of eligible benefits and offers. You can view the hotel’s cancellation policy when you review your itinerary prior to check-out. All bookings subject to the American Express Online Travel website terms and conditions. Rules, restrictions, and blackout dates may apply.  American Express Terms & Conditions Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
8. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law.
9. Available to American Express Consumer and Small Business Cards. Not applicable for all new purchases. The following purchases do not qualify and will still be processed even if the Cardmember has frozen the Card: automated or pre-authorized payments, recurring bills or subscriptions, transactions on any Supplementary Cards if only the Basic Card is frozen (each Supplementary Card must be frozen separately), mobile wallet transactions (including adding a Card to a mobile wallet), using the Card for online payments at merchants where the Card is stored on file or set up as the method of payment, and offline and delayed authorizations (such as purchases made aboard airlines). After freezing the Card, it will automatically unfreeze after 7 days.
10. Underwritten by Belair Insurance Company Inc. You may contact the insurer at 1-833-964-2757 in Canada and the U.S. or visit https://info.client.insure.
11. Underwritten by Chubb Life Insurance Company of Canada ("Chubb Life"). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

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