- Purchase Protection Plan - Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.
- 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.
- 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.
- 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.
- 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 up to a maximum of $30,000 in net purchases posted to your account annually based on Cardmembership anniversary date. 1 point for every $1 in eligible purchases thereafter. Calculation resets to zero each year on the Cardmembership anniversary date; 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.
- 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.
- 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.
- This offer is only available to new Marriott Bonvoy American Express Cardmembers (‘Cardmembers’). For current or former Marriott Bonvoy American Express Cardmembers or 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 Welcome Bonus points, you must have at least $1,500 in net purchases posted to your account on or before your three month anniversary date. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Three 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 up to 100,000 points for a night in a standard room at Category 8 properties. Category 8 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.marriott.com. Subject to Change. Marriott may change the Category in which a specific Marriott participating hotel is classified at any time. The amount of points required to obtain rooms at Marriott participating hotels varies by category of the Marriott participating hotel and may also vary by time of year. Please allow up to 8 weeks after earning your points for your account to be updated. Offer subject to change at any time.
- 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 Bonvoy 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
- 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.
- 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Cashback is applied as a credit to your account annually. All references to you means the Basic Cardmember.
- 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. All references to you means the Basic Cardmember.
- Welcome Bonus – This offer is only available to new American Express® AIR MILES®* Platinum Credit Cardmembers. For current or former American Express® AIR MILES®* Platinum Credit 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 2,000 AIR MILES® Bonus Miles, you must have at least $1,500 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 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.
- Car Rental Theft and Damage Insurance - Underwritten by Royal & Sun Alliance Insurance Company of Canada.
- 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.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.
- 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.
- This offer is only available to new SimplyCashTM Preferred Card from American Express Cardmembers. For current or former SimplyCashTM 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Cash back is applied as a credit to your account annually. All references to you means the Basic Cardmember.
- 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. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. All references to you means the Basic Cardmember.
- 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 AIR MILES Bonus 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 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.
- 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 uses 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 Dream Miles. 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.
- 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 use 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.
- Priority Pass™ - These Terms and Conditions govern Basic American Express AIR MILES Reserve Credit Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. 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 usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. By enroling in Priority Pass, you agree that you will be responsible for any visit costs beyond the complimentary four (4) visits, and that your American Express AIR MILES Reserve Credit Card will be automatically charged after you have signed for the additional visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enroled, American Express AIR MILES Reserve Credit Cardmembers whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact Card Services using the number on the back of your American Express AIR MILES Reserve Credit Card. Please note, Supplementary AIR MILES Reserve Credit Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, login to your account at www.prioritypass.com.
†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.
TM**: Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license.
®**: Aeroplan, AeroplanPlus, the Aeroplan logo, Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aeroplan Inc.
®***: Air Canada, Air Canada Express, and Air Canada Rouge are registered trademarks of Air Canada, used under license.
