American Express Credit Cards
 

1. Purchase Protection Plan - Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

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. Purchases must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

4. 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 Cardmembership. 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.

5. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: 5 points for every $1 at or for (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; and 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. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest, fees and charges for travelers cheques and foreign currencies are not purchases and do not earn points.

6. Various offers will be available to Cobalt Cardmembers from time to time. These offers will be communicated by email and other select channels. Conditions apply and vary by offer.

7. Purchase must be charged in full to an American Express Card. Subject to availability and to event ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

8. This offer is only available to new Starwood Preferred Guest Credit Card from American Express Cardmembers (‘Cardmembers’). For current or former Starwood Preferred Guest Credit Card from 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 $1500 in net purchases posted to your account on or before your three month anniversary date. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for eligible purchases. Four nights are based on a standard room at a Category 2 property. Points required for a free night range from 7,500 points for any night in a standard room at a Category 1 property to 60,000 points for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher points redemption. For complete information on reward stays or the number of points required for a stay, please see www.spg.com. Subject to Change. Marriott may change the Category in which a specific Marriott or SPG participating hotel is classified at any time. The amount of points required to obtain rooms at Marriott or SPG participating hotels varies by category of the Marriott or SPG participating hotel and mayalso vary by time of year.

9. Account must be in good standing. 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 travellers cheques and foreign currencies are not purchases and do not qualify for points.

10. Account must be in good standing. You will earn five (5) points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Starwood Preferred Guest Credit Card from American Express when charged directly with participating Starwood properties, standalone Starwood retail establishments, and Starwood online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, LLC (a subsidiary of Marriott International, Inc.) and its affiliates. You will also earn five (5) points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Starwood Preferred Guest Credit Card from American Express when charged directly with participating Marriott Rewards properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned 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 if the merchant code is not in an eligible category 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. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. Points will be earned on the amount of all eligible purchases, less credits and returns.

11. 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 a participating Starwood or Marriott Rewards hotel 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.spg.com.

12. This offer is only available to new SimplyCash^TM Preferred Card from American Express Cardmembers. For current or former SimplyCash^TM Preferred Card from American Express Cardmembers, we may approve your application, but you will not be eligible for the Welcome Rate of 5%. 5% cash back rate applies for the first 6 months of Card membership, up to a maximum of $6,000 in purchases (equal to $300 cash back). If the bonus earn rate of 5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. Cash back is applied as a credit to your account annually. All references to you means the Basic Cardmember. 

13. 2% cash back rate (base rate) applies to all card purchases. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.

14. This offer is only available to new Blue Sky^® Credit Card Cardmembers. For current or former Blue Sky^® Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. To qualify for 10,000 bonus points you must have at least $500 in net purchases posted to your account in the first 3 months of Cardmembership. Account must be in good standing. Please allow up to 8 weeks for the bonus to be awarded.

15. Account must be in good standing. Blue Sky Points will be earned on the amount of all purchases at the rate of 1.25 points for every $1.00 of eligible purchases. Funds advances, finance charges, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Blue Sky Points. Points will be deducted for each return or adjustment.

16. 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 the Welcome Rate of 2.5%. 2.5% cashback rate applies for the first 3 months of Card membership, up to a maximum of $6,000 in purchases (equal to $150 cashback). If the bonus earn rate of 2.5% applies to a purchase, the base earn rate will not also apply to the same purchase. Provided your account is in good standing, cashback can be earned on purchases less returns and other credits. 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 cashback 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 cashback rewards deducted from your balance may be different from the amount originally earned. Funds advances,  interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cashback rewards. Cashback is applied as a credit to your account annually. All references to you means the Basic Cardmember.

17. Provided your account is in good standing, cash back can be earned on purchases less returns and other credits. 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. There is no limit to the amount of cash back you can earn. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn cash back rewards. All references to you means the Basic Cardmember.

18. This offer is only available to new American Express^® AIR MILES^®* Credit Card Cardmembers. For current or former American Express^® AIR MILES^®* Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer subject to change. Account must be in good standing. To qualify for the 500 Bonus AIR MILES Reward Miles, you must have at least $500 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded to your Collector Account. This offer cannot be combined with any other offer. Subject to change without notice.

19. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.

20. Car Rental Theft and Damage Insurance - Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your American Express AIR MILES Platinum Credit Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental and the type of vehicle covered.

21. Account must be in good standing. An additional card is a supplementary card. No annual fee for supplementary cards. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.

22. This offer is only available to new American Express^® AIR MILES^®* Reserve Credit Card Cardmembers. For current or former American Express^® AIR MILES^®* Reserve Credit Card Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer valid for applications received by American Express through the link provided within the webpage. Account must be in good standing. To qualify for the 2,400 Bonus AIR MILES reward miles, you must have at least $3,000 in net purchases posted to your account within your first three months of Cardmembership. Please allow up to eight weeks from the date the bonus reward miles were earned for the bonus to be awarded to your Collector Account. This offer cannot be combined with any other offer. Subject to change without notice.

23. Companion Flight Benefit – Once per year, based on the date your American Express AIR MILES^®* Reserve Credit Card account was opened on our systems, when a Basic Cardmember redeems reward miles for one flight reward within the AIR MILES^®* Flight Program, they can receive a Companion Flight up to a maximum of 1,700 AIR MILES^®* reward miles for the same itinerary, excluding service charges and taxes. If the cost of the flight exceeds 1,700 AIR MILES^®* reward miles, the Basic Cardmember can use reward miles from their AIR MILES^®* Dream balance. Any additional miles required and applicable taxes and fees are payable by the Basic Cardmember. Subject to availability. The Companion Flight benefit cannot be used in conjunction with the AIR MILES^®* FlexFly Benefit.

24. FlexFlyTM* - Visit www.airmiles.ca to book an appointment or call 1-888-606-8888 to speak to an AIR MILES^®* Concierge Specialist to review your flight options. You will have access to additional airlines, destinations, and departure times not available in the AIR MILES Flight Program. Flights can be booked in economy or business class and without blackout dates. You can redeem AIR MILES reward miles for the full cost of your flight (including surcharges, fees and taxes) or use a combination of AIR MILES reward miles and pay the difference with your American Express Card. Economy and Business Class redemption options subject to availability. The AIR MILES^®* reward mile redemption rate for an AIR MILES^®* FlexFlyTM* redemption is 770 AIR MILES^®* reward miles per $100.

25. Priority Pass – American Express AIR MILES Reserve Credit Card Basic Cardmember(s) (""Cardmember"") may apply for a Priority Pass membership (""PP membership""). PP membership is subject to approval by Priority Pass Limited (""PPL"") and is not guaranteed. Unless cancelled or unused within the three year membership period, PP membership automatically renews on its anniversary date. PP membership may be cancelled by American Express if: (i) the Priority Pass benefit associated with the American Express AIR MILES Reserve Credit Card is changed or terminated, or (ii) the Cardmember's American Express AIR MILES Reserve Credit Card is cancelled. PP membership includes access to any airport lounge participating in the Priority Pass Program. Participating lounges are owned and operated by independent third parties and their participation and/or facilities can change from time to time. To access a lounge, the Cardmember will need to show his/her valid Priority Pass card and an airline ticket for travel on the same day for the Cardmember and each of his/her guests. At their sole discretion, participating lounges may restrict entry of persons under 21 years old; please check restriction details for the individual lounges at www.prioritypass.com or your Priority Pass Directory provided by PPL. This membership provides four (4) complimentary visits per year to any of the participating lounges in the program. Cardmembers can apply complimentary visits towards accompanying guest visits. After your four (4) complimentary visits have been used, you may visit for a nominal fee of US$27 per person, per visit. Lounge access charges can be billed by PPL to the American Express AIR MILES Reserve Credit Card connected to the Cardmember's PP membership upon PP's receipt of notification from the lounge visited. All Cardmembers are subject to PPL's terms and conditions for the Priority Pass Program and the individual lounge operators' terms of use for the participating lounges visited. For complete PPL terms and conditions and a directory of participating lounge locations, please visit: www.prioritypass.com. Amex Bank will share your information with Priority Pass for enrollment and membership maintenance purposes.

^†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 Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and Amex Bank of Canada.

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