† 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.
1. You can earn 2 Membership Rewards® points (“points”) for every $1 in eligible consumer purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, (ii) at stand-alone drugstores in Canada, (iii) at stand-alone grocery stores in Canada, and (iv) for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales but not including local and commuter transportation. Purchases at merchants where gas, grocery, pharmacy and travel sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for the earn rate in this category. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies if the merchant code is not in an eligible category, or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, annual fees, other charges and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
2. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your American Express Gold Rewards Card for eligible hotel and car rental bookings (less credits and adjustments) made through the American Express Travel website where American Express Travel (not the hotel or car rental company) is the merchant. Hotel bookings under The Hotel Collection program are not eligible for this bonus Membership Rewards points offer. The number of bonus Membership Rewards points is calculated by multiplying each eligible transaction by one subject to rounding. Terms and Conditions of the Membership Rewards Program apply. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.
3. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 Points per redemption. Redemption rates may vary by Eligible Card. 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. Eligible Travel Purchases: 1000 points= $10 statement credit. All other eligible purchases: 1000 points= $7 statement credit.
4. The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards Points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers. Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.
The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference:
(i) cannot be used to cover taxes, fees or carrier surcharges;
(ii) will not be credited to your Card account; and
(iii) will not be applied to cover additional costs associated with changes or cancellations.
The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.
Example 1: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).
If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.
Example 2: A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).
You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid above, at any time.
The Terms and Conditions of the American Express Membership Rewards Program will continue to apply. Visit membershiprewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
5. Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express on the number at the back of your card for details about how you can use your Membership Rewards points. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.
If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.
Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
6. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
7. 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. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.
8. Valid at participating hotels for bookings of at least two consecutive nights booked online through americanexpress.ca/travel or americanexpress.ca/thc. Available to Basic Gold Rewards Cardmembers. Supplementary Gold Rewards Cardmembers are not eligible for The Hotel Collection program. Payment must be made in full with an eligible American Express Card in the American Express Gold Rewards Basic Cardmember’s name at time of checkout. The Gold Rewards Cardmember must travel on the itinerary booked. A one category room upgrade is based on availability and eligibility at check-in to the hotel. The Cardmember can receive a hotel credit upon checkout of up to $100 USD based on qualifying charges charged to the room excluding charges for cost of room, taxes, gratuities and fees. The $100 USD credit is non-refundable, and is not redeemable or exchangeable by the Eligible Cardmember for cash. Additional exclusions based on specific hotel restrictions 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 cannot be carried over to another stay and expires at check-out. Credit is applied in USD or equivalent in local currency based on exchange rate on day of check-out. May not be combined with other offers or programs unless indicated. Limit one credit per room, per stay. Three-room limit per Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating hotels and benefits subject to change.
9. Terms and conditions, rental location and rental vehicle exclusions apply. Discount available on the best prepaid and non-prepaid retail rates and it applies to time, mileage and all mandatory insurance and waivers included in the base rate (excludes Dream Collection, Supercars, Vans and other commercial vehicles). One car class upgrade is available on standard vehicles only, excluding Hertz Collections (Vans, and all Collection cars, Green/Fun/Prestige/Family/Dream/Supercar vehicles), on rentals of five consecutive days or more and is applicable in all participating destinations excluding Japan and is subject to availability. Standard Blackout dates apply – visit www.hertz.com/AmexBenefits for full terms and conditions. Fee will be waived for one (1) additional driver providing the additional driver is listed on the rental agreement and meets the required driving credentials for the country where the vehicle is rented. The following countries and/or Hertz locations are excluded from the list of Participating Destinations: India, Pakistan, Sri Lanka and Taiwan rental locations. Rentals within Japan are eligible for up to a 5% discount and one complimentary additional driver, but no vehicle upgrade will apply. Gold Plus Rewards® enrollment is required to enjoy all benefits. Hertz standard terms and conditions of rental apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be an American Express Cardmember or your account is not in good standing. Hertz Benefit only valid if rental paid for using an eligible American Express Card and when the Gold Plus Rewards membership number is provided at time of booking at Hertz locations or hertz.com. The promotional CDP #705500 for the Hertz American Express benefits must be included as part of the Cardmember’s Gold Plus Rewards membership. Rentals are subject to Hertz terms and conditions. Third party bookings through Tour Operators or Online Travel Agencies, including Amex Travel Online are not eligible for Hertz benefits.
10. 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.
11. Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada and cards issued by a licensed third-party issuer (as applicable) are eligible cards for the offer. The following Cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. Subject to offer terms and conditions and full program terms.
12. Referral Program Terms - Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of 75,000 points per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. Please note there may be other offers available for this Card on americanexpress.ca where spend requirements or welcome bonus amounts may differ. All products and services are subject to applicable Terms and Conditions.
13. 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.
14. At participating American Express contactless merchants on eligible devices. Transaction limits may apply.
®, TM: Used by Amex Bank of Canada under license from American Express.
Earn 2 points for every $1 on every day eligible gas, grocery and drugstore purchases in Canada1
