^†: 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.

*Upgrade subject to approval. Current account must be in good standing.

**As a Charge Card, interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement. The Flexible payment option, assigned limit and interest rates will remain the same once you upgrade to the Platinum Card.

1. Welcome Bonus – Account must be in good standing. To qualify for 80,000 bonus Membership Rewards points, you must have at least $6,000 in net purchases posted to your account in your first 3 months of Cardmembership. Please allow up to 24 hours after upgrading for eligible spend to qualify for the Welcome Bonus. Please allow up to eight weeks for the bonus to be awarded. Membership Rewards points will be earned by the Basic Cardmember on the amount of 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. Offer subject to change at any time.

Current or former Cardmembers with this Card are not eligible for this offer. If we determine you have engaged in any abuse related to the offer and/or program and/or you are not eligible for the offer, we reserve the right to forgo issuing the welcome bonus, deduct it from your account, and/or cancel your Card account(s) 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 or transferring to a new Gold Card after upgrading, canceling or downgrading your Card within 14 months of acquiring it, or canceling or returning purchases you made to earn points. Please refer to the Membership Rewards Terms & Conditions (americanexpress.com/en-ca/rewards/membership-rewards/terms) for other examples of abuse related to the program and for further detail on the consequences of abuse in relation to the program.  

2. 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.

3. 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.

4. Account must be in good standing. An Additional Card is a Supplementary Card. Each Supplementary Platinum Card $250 annually. The first two Supplementary Gold Reward Cards $0 annually. Any additional Supplementary Gold Cards $50 annually. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 Supplementary Cards per account.

5. $200 Annual Travel Credit – The $200 CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at americanexpress.ca/travel or by calling Platinum Card Travel Service. Travel booking must be charged to your Platinum Card. Account must be in good standing. If you choose to redeem the Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one (1) Annual Travel Credit each year based on Cardmembership anniversary date, towards a single travel booking of $200 or more, and will appear on your billing statement as “Platinum Annual Travel Credit”. The Annual Travel Credit must be redeemed within the same anniversary year it is issued, and it cannot be carried forward to any subsequent year. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to redeem it again in the same year. You can only redeem one Travel Credit per booking.

6. $100 NEXUS Card Statement Credit – American Express Platinum Cardmembers are eligible to receive up to $100 CAD in statement credits every four (4) years for application or renewal fees for the NEXUS program when charged to an eligible Card. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to the nearest dollar, up to a maximum of $100 CAD in cumulative statement credits, per account per four (4) year period, regardless of whether the NEXUS fees are charged on the Basic or Supplementary Card. American Express will not provide additional statement credits once the maximum of $100 CAD in cumulative statement credits have been issued for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. For existing Cardmembers as of September 1, 2021, the first four (4) year period runs from September 1, 2021 until August 31, 2025. For new Cardmembers after September 1, 2021, the first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. In either case, each subsequent four (4) year period follows the period that immediately preceded it. American Express has no control over the application and/or approval process for the NEXUS program and does not have access to any information provided to the government by the Cardmember or by the government to the Cardmember. American Express has no liability regarding the NEXUS program. The NEXUS program is run by CBSA and the U.S. Customs and Border Protection independently (without administration by American Express). For additional information on the NEXUS program, please visit cbsa-asfc.gc.ca/prog/nexus/term-eng.html. The NEXUS program is subject to change, and American Express has no control over those changes.

Please allow up to 8 weeks after the qualifying NEXUS transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible NEXUS purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 6-8 weeks, simply call the number on the back of your Card. Cardmembers are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.

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7. $200 Annual Dining Credit – Basic Platinum Cardmembers have access to the $200 CAD Annual Dining Credit. Enrolled Cardmembers will be eligible to receive a statement credit of $200 CAD following a single transaction of $200 CAD or more (including taxes and gratuity) at one of the eligible restaurants listed on our website at the time of the transaction. If an eligible restaurant is located in a hotel and the charge does not appear on your statement as a separate itemized transaction (for example, if you charged the meal to your room as part of your hotel stay), it may not be eligible for the $200 Annual Dining Credit. To qualify, the purchase must be charged to your Card directly by the restaurant, and the restaurant must appear on your statement as the merchant (not the hotel). Credit is available only once per redemption period. Participating restaurants are subject to change. Spend must be in one transaction. A one-time enrolment is required for the $200 Annual Dining Credit through Amex Offers and Cardmembers will automatically be enrolled for future redemption periods and do not need to re-enroll. Each calendar year is a separate redemption period. Benefit resets automatically each year on January 1 for each year this benefit is available. American Express reserves the right to modify, replace or terminate this benefit at its discretion. Any credit not redeemed during the applicable redemption period will not roll over to the following redemption period and will expire. Your Card must be charged prior to the end of each redemption period (December 31) to be eligible for the credit within that redemption period. This benefit is available to Basic Platinum Cardmembers only. If you switch to a new Card product that is not eligible for this benefit, enrolment will be removed from your Card account. If you are no longer eligible for this benefit due to a change in account status, including but not limited to fraudulent flags, suspension, or cancellation, it will be removed from your account. Benefit only available for dine-in services. Benefit excludes purchases of gift cards and vouchers, transactions made towards deposits charged upfront by the venue, cancellation and no-show charges, take away or dine-at-home services. Benefit limited to the Card to which the offer is saved and only spend on this Card counts towards the benefit. Transactions made with a Supplementary Card are not eligible for the credit. Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 150 days from your qualifying purchase. Credit may be reversed if your qualifying purchase is refunded or cancelled. For full terms that apply to registering your Card in the program, see Program Terms.

8. 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, number of visits per calendar year and 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.

9. Fine Hotels + Resorts – Valid only for new Fine Hotels + Resorts (FHR) bookings made through Platinum Card Travel Service, americanexpress.ca/travel or americanexpress.ca/FHR. Payment must be made with an American Express Card in the Canadian Platinum Cardmember's name. Available for Canadian Cardholders of The Platinum Card. Platinum Cardmembers must travel on the itinerary booked under FHR reservations to be eligible for benefits described. Limit of one (1) benefit package per room per stay. Benefit package can include Noon check-in, Room upgrade, Daily breakfast for two people, guaranteed 4:00 pm late check-out, plus a unique property benefit. Noon check-in and room upgrade based on availability and provided at check-in. Certain room categories are not eligible for room upgrades. Call Platinum Card Travel Service for details. The type and value of the daily breakfast (for two) varies by property. The actual value of the daily breakfast will be communicated at the time of check-in. Daily breakfast will be valued at a minimum of US$60 per room per day. Any charges that exceed the value of the daily breakfast will be the responsibility of the Cardmember and will be charged separately. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. Unique property benefit varies by property, is subject to change, and cannot be redeemed for cash. To receive the unique property benefit, the eligible spend must be charged to your hotel room and the credit will be applied at check-out. FHR cannot be combined with other offers unless indicated. Benefit package expires at check-out. Platinum Cardmembers may book up to a maximum of three (3) rooms under the FHR Program per stay. Back-to-back stays booked by a single Cardmember, Cardmembers travelling in the same party and staying in the same room, within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR 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 FHR benefits. In the event the Platinum Cardmember cancels the reservation(s), FHR rates and benefit package will no longer apply to any remaining reservation(s). Participating Fine Hotels + Resorts properties and benefits are subject to change. Complimentary Wi-Fi is provided in room, with the exception of select properties where In-Room Wi-Fi is included as part of a mandatory daily resort fee or is not available. In these instances complimentary Wi-Fi will be provided in a common space on property. Call Platinum Card Travel Service for property specific details regarding Wi-Fi.

10. The Hotel Collection – Valid at participating hotels for new bookings of at least two consecutive nights made through Platinum Card Travel Service, americanexpress.ca/travel or americanexpress.ca/THC. Payment must be made in full with an eligible American Express Card in the Canadian Platinum Cardmember’s name at time of checkout. The Platinum 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 traveling 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.

11. Platinum Concierge – Upon authorization of the Platinum Cardmember, Platinum Card Concierge uses its best efforts to source or arrange the purchase of requested goods or services from a supplier. There is no charge for using the services of Platinum Card Concierge, however the Cardmember will be responsible for paying the supplier for any purchases and/or shipping charges you authorize, as well as any other fees or related costs that may apply. Amex Bank of Canada cannot be responsible for the acts or omissions of suppliers, and cannot guarantee successful fulfillment of Cardmember requests in all instances. This service may not be available in certain countries. Please call for details.

12. You can earn Membership Rewards points (“points”) for eligible consumer purchases at American Express retail merchants as follows: 2 points for every $1 at or for restaurants, quick service restaurants, coffee shops, drinking establishments, and delivery of food in Canada as a primary business, but not including groceries; and 2 points for every $1 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 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. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. All deductions for returns made on eligible purchases will be calculated at the earn rate in effect at the time of the return. This means that the points deducted from your points balance may be different from the amount originally earned. Points may be deducted if returns result in not meeting the spend threshold. Please allow up to 8 weeks after earning your Membership Rewards points for your Membership Rewards account to be updated. Your new earn rate will apply to purchases and returns upon conversion of your account to this American Express Platinum Card. 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 amount of Membership Rewards points deducted from your balance may be different from the amount originally earned.

13. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your Platinum 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 and Fine Hotels + Resorts 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.

14. Pearson Priority Security Lane – American Express Basic and Supplementary Cardmembers with an eligible Card are entitled to access the Pearson Priority Lanes (“Priority Lanes”). The Priority Lanes are serviced by the Greater Toronto Airport Authority. Priority Lanes are located at select departure areas at Toronto’s Pearson International Airport in Terminals 1 & 3. Access to a Pearson Priority Lane is available to eligible Canadian Cardmembers and companions travelling on the same itinerary. The eligible Cardmember can request single-use QR Codes online by visiting go.amex/yyz. For assistance, please call the phone number on the back of your Card. Access to the Priority Lanes is intended for the Basic and Supplementary Cardmember and a reasonable number of persons travelling with them on the same itinerary. If we determine, in our sole discretion, that a Cardmember (or Supplementary Cardmember, as applicable) is not using this benefit as intended, we reserve the right to revoke your access to the benefit or to cancel your Card account. All passengers departing from Pearson International Airport, including those accessing the Priority Lane, are required to comply with airport security and customs screening requirements. Priority Lanes access is subject to change or cancellation at any time and additional terms and conditions apply.

15. Toronto Pearson Valet Service – Basic and Supplementary Platinum Cardmembers must charge the parking fee to their Platinum Card for the associated Valet fee to be waived. Waived fee applies only to Toronto Pearson Airport Valet Services in Terminal 1. For more information on Valet Service, visit torontopearson.com.

16. Toronto Pearson 15% Parking Discount – 15% discount off the cost of parking (including taxes) will be provided as a credit to your Platinum Card statement. The parking lot is subject to availability. Discount available at Express Park in Terminal 1 and Daily Park in Terminals 1 & 3. 15% discount cannot be used when reserving parking on Greater Toronto Airport Authority’s (GTAA) Parking Reservation system or in conjunction with any other offers or discounts offered by GTAA. Terms subject to change. For more information on parking lots visit torontopearson.com.

17. Toronto Pearson Discounted Car Care – Car Care services must be charged to your eligible Platinum Card. 15% discount off cost of Car Care services (including taxes) will be provided as a statement credit. Only Canadian American Express Cards are eligible for the Car Care services. Subject to availability. Access to the Car Care services is available in Terminal 1 on level 5 of the Daily Park garage. For more information on parking lots, visit torontopearson.com.

18. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, unique property benefit, guaranteed 4PM late check-out, noon check-in when available, In Room Wi-Fi and room upgrade when available. Room upgrade not guaranteed; certain room categories not eligible for upgrade. Unique property benefit varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

19. Hilton Honors Gold Status – As a Platinum Cardmember you are eligible to enrol in complimentary Hilton Honors Gold status. Offer available only to Platinum Cardmembers and is not transferable. Full details of Gold status can be found at HiltonHonors.com/MemberBenefits and is subject to change by Hilton. Gold status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrolment in Hilton Honors Gold status, American Express will share your enrolment information with Hilton. Hilton may use this information in accordance with its privacy policy available at Hilton.com/PrivacyPolicy. If you already have Hilton Honors Gold status, you can maintain the benefit in the future because you don’t need to meet any stay requirements. You maintain Gold status without meeting otherwise required criteria only while an eligible Cardholder or until American Express notifies you that the benefit is terminated. Hilton Honors™ membership, earning and redemption of Points are subject to Hilton Honors Terms & Conditions. All Hampton by Hilton™ hotels in the Republic of China are excluded from the Hilton Honors program. Visit HiltonHonors.com/Terms for more details. Third party bookings through Tour Operators or Online Travel Agencies, including Amex Travel Online, are not eligible for Hilton benefits.

Marriott Bonvoy Gold Elite status – Enrolment into the Marriott Bonvoy program is required to receive benefits of Gold Elite status, and may be terminated by Marriott without prior notice. Marriott Bonvoy benefits are subject to change and availability may vary by property. American Express Terms and Conditions apply. Gold Elite status amenities may not be combined with the Fine Hotels + Resorts program. All Marriott Terms and Conditions apply. For complete terms and conditions of the Marriott Bonvoy program, visit marriottbonvoy.com/terms. American Express reserves the right to instruct Marriott to cancel your Gold Elite status if you cease to be a Platinum Cardmember or your account is not in good standing. Third party bookings through Tour Operators or Online Travel Agencies, including Amex Travel Online, are not eligible for Marriott Bonvoy benefits.

20. Global Dining Collection – Benefits available for Canadian Platinum Cardmembers at participating restaurants. Account must be in good standing. Participating restaurants are subject to change without notice. Benefits vary by participating restaurant. The benefits have no cash value, cannot be exchanged or substituted, and cannot be combined with any other dining promotions or offers unless indicated otherwise. In order to take advantage of the benefits, reservations must be made through Platinum Concierge and the restaurant charge must be charged to your Platinum Card. Fulfillment of the program benefits is the responsibility of the individual participants. The reserved table benefit is limited to one (1) table for up to four (4) people or two (2) tables for up to two (2) people until approx. 10am daily. Reservations are based on a first-come, first-served basis and are subject to availability. In the event of a reservation cancellation, the Cardmember will be subject to the restaurant’s cancellation policy, which will be communicated to the Cardmember by Concierge at the time of booking. Concierge is not responsible for informing the restaurant of your dietary restrictions or for the restaurant being able to accommodate the restrictions; we do ask that you provide this information directly to the restaurant.

21. The additional value is based on the combined total value of current Member extra benefits available to Platinum Cardmembers. These offers will be communicated by email and other select channels. Conditions apply and vary by offer. Registration and spend using an eligible Card are required. Certain offers may be available for a limited time. Value is accurate as of November 2024 and subject to change. The additional value does not include the Card’s annual fee. Visit americanexpress.com/en-ca/benefits/member-extras/the-platinum-card/ for offer details and full Terms & Conditions.

22. Front Of The Line^® – 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.

23. 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. 

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