1.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.

2.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.

3.Fixed Points Travel Program - You can redeem a fixed number of points to cover the base ticket price of eligible flights up to the applicable maximum base ticket price. The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. The Fixed Points Travel Program applies to airfares offered through American Express Travel Services Canada or on americanexpress.ca/travel. When you redeem points for an eligible flight, the full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price. If your statement monthly cycle cut date falls between the date the transaction is recorded on your statement and the date the statement credit is processed, you will be responsible for paying your monthly statement in full. The statement credit will be applied against your next statement. Full terms and conditions for the Fixed Points Travel Program can be found at americanexpress.ca/fixedpointstravel.

4.Amazon Shop with Points - By participating in Amazon.ca's Shop with Points program using American Express Membership Rewards ("MR Points"), you agree to these Service Terms as well as Amazon.ca's Terms of Use (including "Frequently Asked Questions"). Please review them carefully, together with Amazon.ca's Privacy Notice, to understand Amazon.ca's practices.

To use your MR Points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account ("MR Points Account") must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR Points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud.

You agree that Amazon.com.ca, Inc. and its affiliates (collectively, "Amazon") may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, "Amex"). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop with Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR Points Account and, once enrolled, Amex may provide Amazon with information about your MR Points Account, including your total MR Points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR Points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop with Points program for any purpose other than as expressly set forth in this paragraph.

Certain items at Amazon.ca are not eligible for purchase using MR Points, and these items may change at any time. MR Points may not be used when making purchases with 1-Click. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR Points Account, or an Amazon.ca Gift Certificate. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points Account at the time your MR Points are ultimately redeemed. If you don't have enough MR points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca.

Returns are subject to Amazon's returns policy. If Amazon accepts a return for an item you purchased using only MR Points, those MR Points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR Points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR Points to your MR Points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card.
If you have questions regarding your Points or your Points Account, please contact American Express on the number listed on the back of your Card.

5.Use Points for Purchases - 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. Eligible Travel Purchases: 1000 points= $10 statement credit. All other eligible purchases: 1000 points=$7 statement credit.

6.To redeem your points on Ticketmaster.ca, you can redeem 2,000 Membership Rewards Points is equal to $20 in Ticketmaster Credit. To qualify: - You must charge your purchase to an eligible American Express Card enrolled in the Canadian Membership Rewards program.

- Your American Express Card account(s) must be in good standing.

- You must have available the minimum number of Membership Rewards points indicated to redeem for this purchase.

- Your American Express Card account will be charged for that day's purchase. If you qualify, American Express will debit Membership Rewards points from your program account and issue a credit for the corresponding dollar amount to the Card account charged for your ticket purchase. Credits may not appear during the same billing period as the charge for your ticket purchase. If the points redeemed do not cover the entire amount of the charge for your ticket purchase, the charge for the balance of the purchase will remain on your Card account. Ticket purchases failing to qualify for Membership Rewards point redemption will remain charged to your American Express Card account and are subject to the venue's and Ticketmaster's no refund/no exchange policy.

- Permitted returns of Ticketmaster tickets that result in a credit on your Card account will not automatically result in a credit to your Membership Rewards account. In order to receive a Membership Rewards credit, please call the number on the back of your Card.

- If you use an eligible American Express Credit Card, please note that a Membership Rewards redemption credit to your Card account is not considered a payment. You must still make a separate payment in accordance with your Cardmember Agreement.

7.Flexible Points Travel Program - Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express Travel Services at 1-800-611-1100 or (416) 868-4992 for details about how you can use your Membership Rewards points. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.

If a transaction is eligible for participation in the American Express Installment Program and you also redeem points for that transaction, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance you can remove the transaction from the Installment Program. See Installment Program terms and conditions for details.

Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.

8.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.

9.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.

10.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.

11.Must be age of majority. Maximum 9 Supplementary Cards per account. Account must be in good standing.

12.Underwritten by Royal & Sun Alliance Insurance Company of Canada.

13.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 Cobalt Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

14.Travel Accident Insurance provides automatic coverage of up to $250,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Cobalt Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

15.Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

16.When you charge the full price on eligible purchases to your American Express Cobalt Card, the coverage given under the manufacturer's original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

17.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.

^† 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.