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Cash Flow


1 As a charge card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.


Membership Rewards® Points


2Not all Card Members are eligible to participate in the Membership Rewards® program. Terms and Conditions for the Membership Rewards program apply. Visit for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to


Global Service


3 Terms and exclusions apply.


Merchant Advantage


4 Spend More - Source: The Nilson Report # 1128 (March 2018). American Express transaction size derived as Canada year-end purchase volume divided by year-end purchase transactions. Average Non-American Express transaction equals $71 US ($92 CAD), includes Visa and MasterCard credit cards, and excludes Interac and debit volume and transactions. Purchase volume converted to Canadian dollars by dividing US figures by 0.771040667 (the average for the year,


5 Earn More - Source: American Express commissioned internet panel survey conducted in May 2017 based on purchases made in the 6 months prior to the survey. Definition of American Express® Card Members: Respondents who reported that they have an American Express® Card and that they used that card to make purchases in the prior 6 months. Definition of Non-Card Members: Respondents who reported that they do not have any type of American Express® Card and that they used another credit or debit card to make purchases in the prior 6 months.