Important Note on Welcome Bonus Offers

For eligible Consumer and Small Business Cards acquired between January 22, 2020 through June 30, 2020 with a Welcome Bonus Offer- Due to the impact of COVID-19, we are extending the welcome bonus offer period from three (3) months to six (6) months to allow Cardmembers more time to achieve their spend threshold.Visit our FAQ page for more details

En

The American Express®
AIR MILES®* Reserve Credit Card

The American Express®
AIR MILES®* Reserve Credit Card

Earn a welcome bonus of 2,400 AIR MILES Bonus Miles1

Experience exceptional travel freedom and service, and get access to exclusive travel benefits.

The American Express®
AIR MILES®* Platinum Credit Card

The American Express®
AIR MILES®* Platinum Credit Card

Earn a welcome bonus of 2,000 AIR MILES Bonus Miles2

Turn your everyday purchases into extraordinary Rewards.

The American Express®
AIR MILES®* Credit Card

The American Express®
AIR MILES®* Credit Card

Get a welcome bonus of 500 AIR MILES®* Bonus Miles3

Get extra Miles at no additional cost.

HIGHLIGHTS

KEY BENEFITS

INSURANCE-RELATED BENEFITS

WAYS TO EARN

ARE YOU A SMALL BUSINESS OWNER?

Select Category
HighLights
  • Welcome Bonus
  • New American Express AIR MILES Reserve Credit Card Cardmembers get a bonus of  2,400 AIR MILES Bonus Miles when you charge a total of $3,000 in purchases to your Card within your first three months of Cardmembership.1

    That's enough for two select flights!4
  • New American Express AIR MILES Platinum Credit Card Cardmembers get a bonus of  2,000 AIR MILES Bonus Miles when you charge a total of $1,500 in purchases to your Card within your first three months of Cardmembership.2

    That's enough for a select flight!4
  • New American Express AIR MILES Credit Card Cardmembers get a bonus of 500 AIR MILES Bonus Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership.3

    So you can reach your next Reward sooner.
  • Annual Fee
  • $299
    (preferred rate for purchases is 20.99% and funds advances is 21.99%)*
    Additional Cards are an additional $50 each annually5
  • $120
    (preferred rate for purchases is 20.99% and funds advances is 21.99%)*.
    Additional Cards are free6
  • No annual fee
    (preferred rate for purchases is 20.99% and funds advances is 21.99%)*.
    Additional Cards are free6
Key Benefits
Insurance-Related Benefits
WAYS TO EARN
Are you a small business owner?
HighLights
  • Welcome Bonus
  • New American Express AIR MILES Reserve Credit Card Cardmembers get a bonus of  2,400 AIR MILES Bonus Miles when you charge a total of $3,000 in purchases to your Card within your first three months of Cardmembership.1

    That's enough for two select flights!4
  • Annual Fee
  • $299
    (preferred rate for purchases is 20.99% and funds advances is 21.99%)*
    Additional Cards are an additional $50 each annually5
Key Benefits
  • AIR MILES®* FlexFly15TM*¤◊
    Exclusive Annual Companion Flight Benefit16¤◊
    Redeem Miles for flight taxes and fees¤
    Four complimentary visits per year to Priority PassTM17 Worldwide Lounges
    Access to AIR MILES Business Class Seats18¤
    Waived AIR MILES Flight Administration Fee
    Toronto Pearson Priority Security Lane19
    Exclusive AIR MILES Concierge Service
    Your ticket to the World of Onyx™ - Receive automatic Onyx™ status21
    Waived AIR MILES Flight Administration Fee
  • Other card benefits
  • Emergency Card Replacement
    Online Account Management
    24/7 Customer Service
  • American Express Invites®12
  • For our Cardmembers, American Express Invites®12 including Front Of The Line®12 opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go!
Insurance-Related Benefits
  • Out of Province/Country Emergency Medical Insurance(For under age 65)22†
    $100,000 Travel Accident Insurance23†
    Car Rental Theft and Damage Insurance24†
    Lost or Stolen Baggage Insurance22†
    Flight Delay Insurance22†
    Baggage Delay Insurance22†
    Hotel Burglary Insurance22†
    Buyer’s Assurance® Protection Plan25†
    Purchase Protection® Plan22†
    Fraud Protection Guarantee26
WAYS TO EARN
  • Use an American Express AIR MILES Credit Card in combination with your AIR MILES Collector Card and you can earn Miles twice.
  • 1 : $10
    Get 1 Mile for every $10 in Card purchases at eligible AIR MILES Partners7
    (Excludes purchases made at airmilesshops.ca)
    1 : $10
    Get 1 Mile for every $10 in Card purchases at grocery stores, gas stations, and drugstores in Canada7
    1 : $15
    Get 1 Mile for every $15 in Card purchases everywhere else7
  • Plus, when you give an Additional Card to someone special, you'll be getting Miles for all of their purchases - bringing you to your next Reward sooner.
  • Flight rewards and more
    With each American Express AIR MILES Credit Card you can use your Reward Miles for flights, starting from 1,200 Miles.4
    Get a flight from Toronto to New York starting from 1,300 Miles.10
    Get a flight from Calgary to Seattle starting from 1,400 Miles.10
    Get a flight from Vancouver to Los Angeles starting from 1,900 Miles.10
  • CASH REWARDS
  • On top of flights, you can use Miles to instantly redeem for dinner, groceries, movies and more with AIR MILES Cash.
    95 Cash Miles = $10 towards your purchase.11
Are you a small business owner?
  • The American Express® AIR MILES®* for Business Card is designed specifically for small business owners, rewarding you for your hard work.LEARN MORE

The American Express®
AIR MILES®* Reserve Credit Card

The American Express®
AIR MILES®* Reserve Credit Card

Earn a welcome bonus of 2,400 AIR MILES Bonus Miles1

Experience exceptional travel freedom and service, and get access to exclusive travel benefits.

The American Express®
AIR MILES®* Platinum Credit Card

The American Express®
AIR MILES®* Platinum Credit Card

Earn a welcome bonus of 2,000 AIR MILES Bonus Miles2

Turn your everyday purchases into extraordinary Rewards.

The American Express®
AIR MILES®* Credit Card

The American Express®
AIR MILES®* Credit Card

Get a welcome bonus of 500 AIR MILES®* Bonus Miles3

Get extra Miles at no additional cost.
Footnotes
*Subject to approval. The preferred rate for purchases is 20.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
¤ All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To use Miles for Travel and/or Merchandise Rewards, you must have accumulated sufficient Dream Miles in your Collector Account. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees, and taxes on air, hotel, and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Changes to flight tickets may be permitted, subject to applicable restrictions and fees. For complete details, see current Program Terms and Conditions available at airmiles.ca.
These exclusive benefits are available when you redeem using the AIR MILES®* Reward Miles in your AIR MILES®* Dream Balance.
1. Welcome Bonus – 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. Offer subject to change. 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.
2. Welcome Bonus – This offer is only available to new American Express® AIR MILES®* Platinum Credit Card Cardmembers. For current or former American Express® AIR MILES®* Platinum 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 2,000 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.
3.Welcome Bonus – 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 AIR MILES®* Bonus 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 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.
4. Select Flight – A select flight is a return flight with origin and destination within the same province and having a departure date during the low season of Jan 8-Feb 28; Apr 1-May 31; Sept 16-Dec 15 (excluding NWT, Yukon and Nunavut). Collectors must pay applicable surcharges, fees and taxes on air travel Rewards. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. For complete details, see current Program Terms and Conditions available at airmiles.ca or the AIR MILES Customer Care Center at 1-888-AIR MILES (in Toronto (416)226-5171).
5. Additional Cards – Account must be in good standing. An additional card is a supplementary card. Supplementary American Express® AIR MILES®* Reserve Credit Cards $50 annually. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account. Supplementary American Express® AIR MILES®* Reserve credit cards do not have access to the annual Companion Flight Benefit and Priority Pass Worldwide Lounge Access.
6. Additional Cards – 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.
7. Standard Earn Rates (American Express AIR MILES Reserve Credit Card) – You can earn AIR MILES Reward Miles for eligible retail purchases at American Express merchants in Canada as follows:
• 1 Mile for every $10 at AIR MILES Partners. Visit the eligible Partner list at americanexpress.ca/airmilespartners. List is subject to change without notice.
• 1 Mile for every $10 at (i) stand-alone gasoline stations for automobiles, (ii) stand-alone grocery stores, and (iii) stand-alone drugstores. Purchases at merchants where gas, grocery and pharmacy sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) and purchases at sponsors do not qualify for the earn rate in this category.
• 1 Mile for every $15 of other card purchases.
Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Mile for every $15 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. Provided your account is in good standing, Miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn Miles.
8. Standard Earn Rates (American Express AIR MILES Platinum Credit Card) – You can earn AIR MILES Reward Miles for eligible consumer retail purchases at American Express merchants in Canada as follows:
• 1 Mile for every $5 at
            - restaurant, quick service restaurant, coffee shop and drinking establishments in Canada,
            - stand-alone grocery stores in Canada,
            - delivery of food and groceries in Canada as a primary business,
            - stand-alone automobile gasoline stations in Canada,
            - local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services,
             up to a combined maximum of $30,000 in net purchases posted to your account annually on all these categories. Once the maximum is reached, you will no longer earn at 1 Mile for every $5 regardless of credits, returns and adjustments subsequently posted to your account. Earn 1 Mile for every $10 in eligible purchases thereafter. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify.
• 1 Mile for every $10 of other card purchases.
Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Mile for every $10 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, Miles can be earned on eligible purchases less returns and other credits. 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 miles deducted from your account 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 Miles.
9. Standard Earn Rates (American Express AIR MILES Credit Card) – You can earn AIR MILES Reward Miles for eligible retail purchases at American Express merchants in Canada as follows:
• 1 Mile for every $15 at eligible AIR MILES Partners. Not all Partners or Partner locations are eligible. Visit the eligible Partner list at americanexpress.ca/airmilespartners. List is subject to change without notice. Excludes purchases made at airmilesshops.ca
• 1 Mile for every $20 of other Card purchases.
Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 Mile for every $20 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, Miles can be earned on eligible purchases less returns and other credits. Funds advances, interest, fees, balance transfers, Amex cheques and charges for travellers cheques and foreign currencies are not purchases and do not earn Miles.
10. Examples are for illustrative purposes only. The number of Reward Miles shown is a starting amount only and may vary based on flight availability for chosen dates and destinations.
11. Use the Cash Miles in your AIR MILES Cash Account in-store in increments of 95 Cash Miles for every $10 towards your purchases at participating AIR MILES Partner locations (gift cards and near-cash products are excluded and other exclusions may also apply) and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 worth of value from participating Reward Sponsors. Standard AIR MILES Cash limits and Terms and Conditions apply. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.
12. 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.
15. FlexFly – 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. 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 FlexFly redemption is 770 AIR MILES Reward Miles per $100.
16. 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 Miles from his/her 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.
17. Priority PassTM - 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 www.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.
18. AIR MILES Business Class Seats – Subject to availability. Redemption for business class seats will require the use of additional AIR MILES Reward Miles. The Reward Miles required to redeem for a business class seat are subject to change and will be determined at the time of booking.
19. Pearson Priority Security Lane – Basic and Supplementary Cardmembers with a valid American Express AIR MILES Reserve Credit Card can access the Pearson Priority Security Lanes ('Priority Lane') during peak airport operating hours. The Priority Lanes are serviced by the Greater Toronto Airport Authority and will be available to eligible Cardmembers. Priority Lanes are located at select departure areas for domestic, transborder, and international flights departing from Terminal 1 and 3 at Toronto Pearson International Airport. Access to a Priority Lane is available to eligible Cardmembers departing from Terminal 1 and 3 and companions travelling on the same itinerary upon the presentation of a valid, unexpired eligible Card. The name on the Card must match the name on the boarding pass. All passengers departing Pearson International Airport, including those accessing the Priority Lane are required to comply with airport security and customs screening requirements. Priority Lane access is subject to change or cancellation at any time and additional terms and conditions apply.
21. American Express® AIR MILES®* Reserve Cardmembers enjoy automatic Onyx status as long as they remain Cardmembers. Requalification for Onyx status is based on Partner Onyx™* Status Designation or your annual collection of 6,000 Reward Miles. Partner Onyx™* Status Designation is determined by AIR MILES in its sole discretion. Onyx status terms and conditions are subject to the AIR MILES Reward Program Terms and Conditions and are subject to change. This is not an American Express program.
22. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
23. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
24. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
25. 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.
26. 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.
27. Annual Travel Redemption Benefit – Once per calendar year, when an eligible American Express® AIR MILES®* Platinum Cardmember uses Dream Miles with the AIR MILES Reward Program to make their first single redemption for a flight or package vacation Reward through airmiles.ca or vacations.airmiles.ca, they can get Bonus Miles equivalent to 25% of the net number of Dream Miles used after discounts or any other applicable promotions have been applied, up to a maximum of 750 Bonus Miles. Eligible AIR MILES Reward redemption must be made with the same Collector Number linked to the American Express® AIR MILES®* Platinum Credit Card account to qualify. Bonus Miles are calculated only on the first eligible single redemption made in each respective calendar year, regardless of any subsequent changes to travel arrangements or any unfulfilled travel. Any subsequent flight or package vacation redemption made in the same calendar year does not qualify for this benefit and eligible Cardmembers cannot use the benefit again until the following calendar year. Account must be in good standing. Bonus Miles awarded as part of this benefit will be posted to the Collector Account linked to the American Express® AIR MILES®* Platinum Credit Card account in accordance with the AIR MILES balance preference set at the time the Bonus Miles are awarded. Bonus Miles will be posted to the Collector Account within 60 days of eligible redemption. Subject to change at any time.

All Rewards offered by the AIR MILES Reward Program are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To use Miles for Travel Rewards, you must have accumulated sufficient Dream Miles in your Collector Account. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees, and taxes on the air and hotel components of Travel Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. No cancellations, exchange or refunds for tickets once booked or ordered. Changes to flight tickets may be permitted, subject to applicable restrictions and fees. For complete details, see current AIR MILES Reward Program Terms and Conditions available at airmiles.ca.
† All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.
®, TM: Used by Amex Bank of Canada under license from American Express.
®*, TM*: Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Amex Bank of Canada.