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American Express EssentialTM Credit Card

For the bigger things in life, choose something small.
No annual fee
Footnotes

Card Type
Credit Card
Annual fee
No annual fee
Annual Interest Rate
8.99% on purchases and funds advances*
Supplementary Cards
No annual fee1

Key Benefits

OPTIONAL BALANCE TRANSFER OFFER

Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months** if you choose to transfer your other credit card balances to this American Express card

ADVANCED & RESERVED TICKET ACCESS, SPECIAL OFFERS, AND EXPERIENCES

American Express Invites® including Front Of The Line opens the door to great music, theatre, dining, film, fashion and shopping experiences.6

SHOPPING COVERAGE

Whenever you shop, your Card has a Plan to ensure you’re covered.

SAVE ON INTEREST PAYMENTS

With an interest rate of 8.99%2, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time.

Optional Balance Transfer Offer

  • Enjoy a special 1.99% introductory interest rate on Balance Transfers for the first 6 months** if you choose to transfer your other credit card balances to this American Express card. It’s an easy way to save money on interest if you choose to carry a balance and you make your minimum payments on time.
  • You can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less. There is no balance transfer fee for this offer.
  • Balance Transfer option is only available at the time of online application.

Insurance Coverage

Peace of mind can come with the coverage available on the American Express EssentialTM Credit Card:
  • Buyer’s Assurance® Protection Plan3+
  • Purchase Protection® Plan4+
  • $100,000 Travel Accident Insurance5+
Entertainment Access
Say hello to American Express Invites™. It opens the door to memorable experiences we think you’ll love!
Front Of The Line® Advance Access
Cardmembers can purchase Front Of The Line® presale tickets or make Front Of The Line reservations to some of the most in-demand concerts, theatre productions, restaurants and special events, often before the general public.6
Front Of The Line® Reserved Tickets
During the public on-sale period for many major events, Cardmembers can purchase Front Of The Line tickets from a block of great seats reserved exclusively for American Express.
Front Of The Line® E-Updates
Learn more at ticketmaster.ca/americanexpress, and subscribe to receive Front Of The Line Entertainment e-Updates to get the hottest event listings sent directly to your inbox.
Special Offers & Experiences for all Cardmembers
Throughout the year, Cardmembers can purchase a variety of special offers created just for American Express. From advance screenings of blockbuster movies, to weekend getaway packages and special online and in-store shopping deals, it’s never been easier to have an experience you’ll never forget.
Special Access for all Cardmembers
Cardmembers can breeze through the line with the American Express entrance at The Molson Canadian Amphitheatre, sit back and relax in American Express Lounges at Budweiser Stage, Roy Thomson Hall, and enjoy express service at the American Express bar at Massey Hall.
World-class Service
We offer customer service you can count on – anywhere, any time
Relationship Care
If you have a question about your American Express EssentialTM Credit Card, you can rely on us 24/7 to give you an answer. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals. That’s one way we deliver Relationship Care for Cardmembers like you.
Fraud Protection Guarantee
Use your American Express EssentialTM Credit Card online or offline, 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.7
Emergency Card Replacement
If your Card or Supplementary Card gets lost or stolen, no worries. Simply call us at the number on the back of your Card and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible.
Eligibility
To save time, make sure you can say yes to all of the following before applying for the American Express EssentialTM Credit Card:
  • You are a Canadian resident and have a Canadian credit file.
  • You are the age of majority in the province or territory where you live.

Ready to apply?

Apply for the American Express EssentialTM Credit Card now and get a response in 60 seconds
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Footnotes
    *Subject to approval. The preferred rate for purchases and funds advances is 8.99%. 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.

    ** 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 we always receive your minimum monthly payments by the date of the next billing statement. If either: (i) you still have an amount owing from your balance transfer when the special interest rate expires; or (ii) you do not make your minimum monthly payments by the date of the next billing statement (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. The Preferred Rate for Funds Advances is currently 8.99% 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.