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American Express Charge Cards

American Express Charge Cards

Looking for great rewards and financial flexibility? An American Express® Charge Card could be the solution.

What is a Charge Card?

For the financially savvy consumer, a charge card makes good sense – it has no pre-set spending limit on purchases and because your balance must be paid in full each month, many people find that a charge card helps them control spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources.


Our Charge Cards

American Express® Gold Rewards Card

Earn a Welcome Bonus of 25,000 Membership Rewards® points1
  • Earn 2 points for every $1 in Card purchases on eligible travel and everyday purchases2
  • Transfer your points to frequent flyer programs3, or one-to-one to Aeroplan®*4 and Avios14

The Platinum Card®

Earn a Welcome Bonus of 50,000 Membership Rewards® points1
  • Access to a $200 Annual Travel Credit4
  • Complimentary access to over 1,000 airport lounges worldwide5
  • Platinum Concierge6

American Express® AeroplanPlus®* Platinum Card

Earn a Welcome Bonus of 40,000 Aeroplan®* Miles1
  • Enjoy a 2-for-1 short-haul flight reward when you redeem 15,000 Aeroplan Miles, with the Partner Ticket benefit4
  • Access to the Air Canada Maple Leaf Lounge™**6 where available, and Priority Pass Lounges22
  • Breeze through airport lines with Air Canada ®** Priority Check-in.5

Charge Cards explained

How are Charge Cards different from Credit Cards?

Charge Cards differ to Credit Cards as they give you the financial flexibility of no pre-set spending limit on purchases. However, no pre-set spending limit on purchases doesn’t mean unlimited spending. You must pay your balance in full each month – if we do not receive payment in full of any change by the closing date of the next statement after the statement on which it first appears, it will be considered delinquent and interest will be charged.

Purchasing Power

While your spending is not unlimited, your purchases are approved based on a variety of factors, including your credit record, account history and personal resources.

If your spending continues to increase over the months, and your payments and credit record remain in good standing, you can achieve more spending power over time. Like many credit products, should you wish to make a purchase that goes beyond your usual spending patterns, please call the Customer Service number on the back of your Card to ensure a seamless experience.


Key benefits at a glance

24/7 Customer Service

Your life doesn’t keep regular office hours, so neither do we. If you want us, there is always someone local to speak with you, 24/7, about whatever you need big or small. Wherever you are in the world.

Emergency Card Replacement

Lose your Card? Don’t lose any sleep. If your Card is ever lost or stolen, we’ll arrange to get you a new one as soon as possible. If it happens in a remote location, arrangements can be made to have a Card waiting at a point along your way.

Accepted around the world

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.

Manage your account online or on your mobile

With Online Services from American Express, you can stay on top of your account. Check statements, set account alerts and more while you’re on the go.



Before we can consider your application, please ensure you can say yes to the following:

  • You are a Canadian resident and have a Canadian credit file.
  • You are of the age of majority in the province or territory of the residence

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.

Once you have found the American Express Charge Card that suits you best, make sure you read the important information, then hit the 'Apply now' button to begin the application process.


Travel Rewards Cards

Enjoy all the benefits, convenience and security of an American Express® Card – with the added bonus of earning points for travel when you use your Card.

Some of our Featured Cards

Credit Cards explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?
Our simple Credit and Charge Card Guides are a great place to start.

Discover our Credit Cards Guide

Find a type of card to suit your needs

Explore our range of Cards, you're bound to find something to suits your needs and lifestyle.


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

®*: Aeroplan, AeroplanPlus, the Aeroplan logo, Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia Canada Inc.