American Express Credit Cards
 

1. 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. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.

2. 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.

3. 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.

4. These offers are only available to new American Express^® Aeroplan^®* Reserve Cardmembers (‘Cardmembers’). For current or former American Express Aeroplan Reserve Cardmembers, we may approve your application, but you will not be eligible for these offers. If you receive points in error, we reserve the right to deduct them from your points balance. Offers subject to change at any time. Account must be in good standing. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Aeroplan 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 the required spend threshold not being achieved. Please allow up to 8 weeks after earning your Aeroplan points for your Aeroplan account to be updated.

Up to 10,000 Additonal Card Bonus Points

An Additional card is a Supplementary Card. Offer subject to change. To qualify for Bonus Aeroplan points, you must apply for a new Supplementary American Express^® Aeroplan^®* Reserve Card with an annual fee at time of initial Basic Card application. You can earn 5,000 bonus Aeroplan points for each approved Supplementary Aeroplan Reserve Card up to a maximum of 2 Cards. You can earn up to a maximum of 10,000 bonus Aeroplan points. Bonus Aeroplan points will not be awarded for approved Supplementary Aeroplan Reserve No Fee Cards. Bonus points will be credited to your Aeroplan Account up to 90 days after the approval of an eligible Supplementary Aeroplan Reserve Card Account must be in good standing.

Up to 45,000 Aeroplan Points

To qualify for the monthly bonus of 7,500 Aeroplan points in the first 6 months of Cardmembership, eligible American Express Aeroplan Reserve Cardmembers must have at least $2,000 in net purchases posted to their account each month by the last day of each billing period. Up to a maximum of 45,000 Aeroplan points can be earned. Purchases made during a billing period but posted after the end of that billing period will not count towards eligible spend for that month and count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14th (transaction date) and posts on Sept 15th (posting date) will not count for eligible spend for that month and will count towards spend in the next month's billing period. If the Aug 15 to Sept 14 period was your 6th monthly billing period, then the purchase that was made on Sept 14 and posted on Sept 15 would not count toward this offer. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded. 

Additional 35,000 Bonus Points

To qualify for the additional 35,000 Aeroplan points after 13 months of Cardmembership, eligible American Express Aeroplan Reserve Cardmembers must have at least $6,000 in net purchases charged to your Card within 13 to 16 months of Cardmembership and subsequently posted to your account. For example, if you reach your 12 months of Cardmembership on June 1, 2024, you must have at least $6,000 in net purchases made on or after July 01, 2024, and be posted to your account no later than October 1, 2024, to be eligible for the 35,000 Aeroplan bonus points. Please allow up to eight weeks after earning your Aeroplan points for your Aeroplan account to be updated. Aeroplan 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 Aeroplan points.

5. American Express^® Aeroplan^®* Reserve 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 www.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.  

^◊Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.

6. The up to $2,700 or more in value is based on the combined total value of: Current Welcome Bonus of up to 90,000 Aeroplan points redeemed for a flight(s) (up to $1,800), based on over 70% of current Aeroplan Cardmembers that receive a value of $0.02/points or more when redeeming for a flight as of February 1, 2023. Redemption calculation is based on actual redemptions made by cardholders between the period of November 8, 2020 to February 1, 2023; free first checked bags for two people on a round-trip in the first year ($120); unlimited Maple Leaf Lounge^TM* access in North America ($550 annually), lounge access is subject to availability; complimentary guest access to Maple Leaf Lounge in North America for one guest accompanying an eligible Cardmember on a round-trip in the first year ($50 CAD); Priority Pass^TM* membership ($99 USD annually); usage of the statement credit benefit for the NEXUS Card in the first year (up to $100 available every four (4) years); Toronto Pearson Discounted Car Care estimated value based on a classic wash for a standard card of $60 CAD. $60 CAD X 15% = $9; Complimentary Valet Service at Toronto Pearson International Airport ($20); and 15% Discount on Parking at Toronto Pearson International Airport estimated value calculated based on the Daily Park rate of $38 CAD per day. $38 CAD x 15% = $5.70. The up to $2,700 or more in value does not include the Card’s annual fee.

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at http://www.aircanada.ca/aeroplan. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

7. You can earn Aeroplan points (“points”) for eligible consumer purchases at American Express retail merchants as follows: Earn 3 points for every $1 of eligible purchases made directly with Air Canada. Earn 2 points for every $1 at restaurant, quick service restaurant, coffee shop, and drinking establishments in Canada, and delivery of food in Canada as a primary business, but not including groceries. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. Earn rate of 1.25 points 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 Aeroplan points.

8. This offer is only available to new Marriott Bonvoy® American Express®* Cardmembers (‘Cardmembers’). For current or former Marriott Bonvoy® American Express®* Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Account must be in good standing. To qualify for the 50,000 Bonus points, you must have at least $1,500 in net purchases posted to your account on or before your three (3) month anniversary date. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for eligible purchases. Please allow up to 8 weeks after earning your points for your account to be updated. Offer subject to change at any time.

9. Account must be in good standing. You will earn five (5) Marriott Bonvoy points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Marriott Bonvoy American Express Card when charged directly with participating Marriott Bonvoy properties, standalone Marriott Bonvoy retail establishments, and Marriott branded online stores (including online purchases of Marriott Bonvoy gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of two (2) points 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. Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for points.

10. Each year, 8-10 weeks after your annual reset date, you will earn an Annual Free Night Award redeemable within 1 year from issuing for an available single or double occupancy standard room at participating Marriott Bonvoy properties with a room rate of up to 35,000 points, inclusive of room rate and applicable taxes but exclusive of resort fee. Account must be in good standing. To view the full terms and conditions, visit www.marriottbonvoy.com/terms.

11. Welcome Bonus of up to $100 in Statement Credits - This offer is only available to new SimplyCash® Card from American Express Cardmembers. For current or former SimplyCash® Card from American Express Cardmembers, we may approve your application, but you will not be eligible for this offer. Offer subject to change at any time. To qualify, you must have at least $300 in net purchases posted to your account by the last day of each monthly billing period in the first 10 months of Cardmembership. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14 (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 10th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Statement credit will be reversed if returns result in the required spend threshold not being achieved.  Account must be in good standing. Please allow up to eight weeks for your statement credits to be credited to the account. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.  Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember.

12. You can earn 2% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $15,000 in purchases posted to your account on this category (equal to $300 cash back) annually. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 1.25% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories. 

13. Welcome Bonus of up to $400 in Statement Credits - This offer is only available to new SimplyCash® Preferred Card from American Express Cardmembers. For current or former SimplyCash® Preferred Card from American Express Cardmembers, we may approve your application, but you will not be eligible for this offer. Offer subject to change at any time. To qualify, you must have at least $750 in net purchases posted to your account by the last day of each monthly billing period in the first 10 months of Cardmembership. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14 (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 10th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Statement credit will be reversed if returns result in the required spend threshold not being achieved. Account must be in good standing. Please allow up to eight weeks for your statement credits to be credited to the account. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.  Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for this offer. All references to you means the Basic Cardmember. 

14. You can earn 4% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 2% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.  

Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 2% cash back on eligible purchases 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, cash back can be earned on eligible purchases less returns and other credits. Interest rate charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for cash back. If you choose to return a purchase or are otherwise entitled to a credit or adjustment that is related to a purchase, your entitlement to cash back rewards will be reduced accordingly. 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 cash back rewards deducted from your balance may be different from the amount originally earned. Cash back is applied as a credit to your account annually and will appear on the statement issued in September of each year. The cash back calculation resets annually. All references to you means the Basic Cardmember.

15. Up to 30,000 Welcome Bonus – This offer is only available to new American Express Cobalt Cardmembers. For current or former American Express Cobalt Cardmembers, we may approve your application, but you will not be eligible for the Membership Rewards points offers available in the first 12 months of Card Membership. Offer subject to change. To qualify, you must have at least $500 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14th (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 12th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.

16. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero on the 1st of each month. Earn 3 points for every $1 on eligible streaming subscriptions at select providers in Canada. The current list of providers is available at americanexpress.ca/streaming. Purchases with merchants that are not on the list or that are on the list but bundled with another product or service or billed by a third party such as a digital platform or a cable, telecommunications or internet provider, or a car manufacturer, are not eligible. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.

17. Point transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

18. This offer is only available to new American Express® Green or Choice Card from American Express^TM Cardmembers. For current or former Choice Card from American ExpressTM or American Express® Green Card Cardmembers, we may approve your application, but you will not be eligible for the Welcome Bonus. Offer valid for applications received through the link provided on this webpage if offered. To qualify for the Welcome Bonus, you must have at least $1,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. Please allow up to eight weeks for the Welcome Bonus to be awarded.

19. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: 1 point for every $1 in eligible purchases charged to your Card. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.

20. Use Points for Purchases – 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 traveler’s 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.

21. Up to 60,000 Welcome Bonus – This offer is only available to new American Express® Gold Rewards Cardmembers. For current or former American Express® Gold Rewards Cardmembers, we may approve your application, but you will not be eligible for the Membership Rewards points offers available in the first 12 months of Card Membership. Account must be in good standing. Offer subject to change at any time. To qualify, you must have at least $1,000 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14th (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 12th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Please allow up to eight weeks for your bonus points 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.

22. 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, the purchase is made using an electronic wallet 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 fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.

†All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

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

®*, TM*: For trademark ownership details see: americanexpress.ca/aeroplantrademarks