* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges. Basic and Supplementary Card fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

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.
2. No Pre-Set Spending Limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit history, account history, and personal resources. Proof of resources and security may be required.
3. 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 charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
4. Account Alerts is a free service for American Express Cardmembers. However, your mobile phone service provider may apply fees for incoming text messages. Please contact your provider for further details.

1. 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.
2. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on 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. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express small business merchants. To view the list of participating merchants visit https://smallbusiness.americanexpress.com/ca/en/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.
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. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. 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.
   
4. Membership Rewards points can be redeemed for Gift Cards, 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 the number on the back of your Card.

1. The Hotel Collection - Valid at participating hotels for bookings of at least two consecutive nights booked online through www.americanexpress.ca/travel or www.americanexpress.ca/thc. Available to Basic Business Gold Rewards Cardmembers. Supplementary Business 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 Business Gold Rewards Basic Cardmember's name at time of checkout. The Business 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.
2. 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.
3. Subject to capacity. Admittance granted with an American Express Card. Beverages will be for purchase. Must be 19 years of age or older to have alcohol and must have a valid ID. Please drink responsibly.
4. Terms and conditions, rental location and rental vehicle exclusions apply. 10% 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. 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.
5. Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada or another participating American Express card issuer other than Amex Bank of Canada (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. Offers are subject to terms and conditions and full program terms. 
6. You must enable location services on your mobile device to take advantage of the nearby offers feature on the Amex App. For Online Services, nearby locations are based on your billing postal code. 
   

1. Underwritten by Royal & Sun Alliance Insurance Company of Canada.
2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. 
3. This is not an insurance. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.
4. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”).   Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered.
5. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. 
6. Fraud Protection Guarantee - Use the American Express Card online or off, and you won't be held responsible for any fraudulent charges, as long as you've taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.