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American Express EssentialTM Credit Card

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

Card Type
Credit Card
Annual fee
No annual fee
Annual Interest Rate
12.99% on purchases and funds advances*
Additional Cards
No annual fee1

Key Benefits


American Express Invites® including Front Of The Line opens the door to great music, theatre, dining, film, fashion and shopping experiences.5


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


With an interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time.

Insurance Coverage

You can feel more confident with the coverage available on the American Express EssentialTM Credit Card:
  • Buyer’s Assurance® Protection Plan2+
  • Purchase Protection® Plan3+
  • $100,000 Travel Accident Insurance4+
: 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. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.

    Plan It™ - The American Express® Installment Program

    Choose a portion of your statement balance to pay in monthly installments. Terms and conditions apply.7
    • Fixed monthly fee8,9
    • Allows for flexibility and control
    • Learn more about Plan It™ at
    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.5
    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, 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.6
    Emergency Card Replacement
    If your Card or Additional 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.
    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
      *Subject to approval. The preferred rate for purchases and funds advances is 12.99%. 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.