Pay 1.99% interest for the first 6 months with our Balance Transfer Offer on select American Express Credit Cards.1

Special offer for new American Express® Cardmembers: Transfer balances from your existing higher rate bank and retail credit cards to your new American Express Card and pay 1.99% interest for the first 6 months.1 Avoid paying the high-interest rates on your current credit cards to maximize your savings.

How does a Balance Transfer Work?

 

 

To be eligible for this offer, you must request a Balance Transfer at the time of online application for an eligible American Express Credit Card, and select the existing balances you want to transfer from your other Credit Card accounts. You can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less.

 

 

Once you’re approved, you’ll enjoy a special 1.99% introductory interest rate for the first 6 months1 on your transferred balances, provided you meet the eligibility criteria specified in the offer terms and conditions and that you make your minimum monthly payments on time. There is no balance transfer fee for this offer. You will enjoy all the benefits your new American Express Card offers, such as 24/7 Customer Service, Insurance Coverage, Fraud Protection Guarantee and more.

 

Which cards offer Balance Transfers?

 

New Cardmembers can take advantage of our 1.99% interest rate Balance Transfer offer for the first 6 months on approved applications when requested at the time of online application for any of these American Express Credit Cards:

For the bigger things in life, choose something small.
 
  • No annual fee
  • Have the flexibility to pay your balance off in full or over time
  • Access to memorable experiences with American Express Invites®2

 

Earn up to 2.5% cashback in your first 3 months (up to $150 cashback)3
 
  • Earn 1.25% cash back on other purchases and when your Welcome Rate ends4
  • No limit to the amount of cash back you can earn
  • No annual fee

 

Earn 5% cashback in your first 6 months (up to $300)5
 
  • Earn 2% cash back when your Welcome Rate end6
  • No limit to the amount of cash back you can earn

 

Eligibility

 

Before you apply, use the following checklist to see if you meet our standard eligibility criteria

 

I am aged 18 or over

I have a current ca bank or building society account

I have a permanent ca home address

And if self-employed, I have been working for more than one year

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 Card that best suits you, read the important information, then hit the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Credit Card.

 

Your application takes less than 10 minutes and you can get a response in 60 seconds.

Explore Cards by Category

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.

AIR MILES Credit Cards

 

Get all the convenience and security of an American Express Card while earning AIR MILES® reward miles.

Aeroplan Cards

 

Get all the convenience and security of an American Express® Card while earning Aeroplan®* Miles.

Platinum Cards

 

Looking for something special? Then consider one of our Platinum Cards to experience a level of membership that complements and enhances your lifestyle.

Cash Back Credit Cards

 

Get all the convenience and security of an American Express Card while earning cash back on all your eligible purchases with the card.

No Annual Fee Credit Cards

 

Want a Credit Card that meets your needs without having to pay an annual fee?

Credit and Charge 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.

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.


  1. Offer only available to new Cardmembers. Cardmembers who currently hold a card by Amex Bank of Canada are ineligible for this offer. Offer is subject to approval up to an amount of $7,500 or 50% of your assigned credit limit, whichever is less. A balance transfer made at the time of application is eligible for a special interest rate of 1.99% for the first 6 billing periods, provided you meet the eligibility criteria specified in the offer terms and conditions and provided further that you do not have a Missed Payment. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you have a Missed Payment, any remaining balance owing in relation to the balance transfer will be subject to interest at the rate then in effect for Funds Advances. “Missed Payment” means we did not receive the minimum monthly payment by the payment due date. The Preferred Rate for Funds Advances is currently 22.99% and will increase if you have additional missed payments. There is no balance transfer fee for this offer. Please see the Product Information box on your online application for complete details on fees and interest rates.
  2. 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.
  3. 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.
  4. 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.
  5. 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. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.