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How to apply for a Credit Card

How to apply for a Credit Card

All the information you’ll need to apply for an American Express® Credit Card.
 

Applying for an American Express Card

Who can apply for a Credit Card?

Before we can consider your application, please ensure you can say yes to the following:

  • You are a Canadian resident and have a Canadian credit file.
  • You are of the age of majority in the province or territory of residence

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

What do I need to apply for a Card?

When you submit your Credit Card application you will be asked for the following information:

  • Personal information, including your current address
  • A current email address and a mobile or home phone number.
  • Financial Information including your annual income, employment details (including a work contact phone number) or other income sources.

How do I apply for a Credit Card?

Once you have chosen a Card, read the Terms and Conditions, then click the ‘Apply now’ button on your chosen Credit Card page to begin your application. Provided you have all of the required information to hand, your application should take less than 10 minutes to complete, and we will provide you with a response in 60 seconds. If you have any additional questions about this process or need further assistance, please contact our team at 1-800-869-3016.

What is a credit assessment?

When you apply for an American Express Card, your application will undergo a credit assessment which includes an evaluation of your credit history.

A credit assessment is the process undertaken by American Express to ensure you are able to meet the obligations of a Credit or Charge Card contract. Generally, it means looking at:

  • Your ability to repay
  • Your financial responsibility
  • Your chance of defaulting, not paying back your debt
  • Your credit history

What is a Credit Report?

A credit report is a collection of information held at one or more Canadian credit bureau service providers. Banks and other businesses that lend money access this information with your consent. This information is compiled into a single report that helps lenders determine if you are a good financial candidate.

Your credit report is referred to when you apply for credit and includes the following information:

  • Your identification: name, address, previous address, Social Insurance Number, date of birth
  • Credit history: including credit accounts and loans with retail stores, banks, finance companies and others; credit limits and balances; on-time and late payments
  • Public records: bankruptcies, court rulings, registered items
  • Inquiries: including lenders you've recently sought credit from and your employers

It is a good idea to review your credit report once a year. If you discover any inaccurate information, it can be corrected or removed by contacting the Credit Bureau directly.

Review your Credit Report
Visit these websites to find out more about your credit report or request a copy of it.

By law, your credit report does not include certain personal facts

What is a Credit History?

When you apply for a loan or your first Credit Card, you begin to establish a credit history; the way you manage your accounts may impact your credit history. Paying bills on time will assist in improving your credit history. Many credit providers may review your credit history when they review your application for personal loans, a mortgage, Credit and Charge Cards. A good credit history will help when applying for future credit facilities or products.

How do I choose a Credit Card?

We provide a range of Credit Cards that offer various rewards and benefits. Whether you want to earn points, cash back, travel rewards or lifestyle experiences, American Express has a Credit Card for you. When searching for a Credit Card, you should take time to consider the Card fees and interest rates associated with each card.

Find a Credit Card that will complement and reward your lifestyle by selecting a type of Card.

Find out how to choose the right Card for you
 

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.

Where is American Express accepted

Learn More

How Credit Cards and Charge Cards work

Learn More

What Card fees am I expected to pay

Learn More

What is Credit Card Interest

Learn More

How to pay off your Card

Learn More

What is Credit Limit

Learn More

What is Credit Score

Learn More

What is a Charge Card

Learn More

Using your Card Abroad

Learn More
 

Frequently Asked Questions

Find the answers to your questions.

What is ‘Credit Limit’?

When you open your Credit Card Account you are given a Credit Limit which is the maximum amount that can be outstanding at any time on your account. Every Credit Card comes with a Credit limit. The Credit limit and the amount of credit available on the account will be shown as of the closing date on your statement.

For the most up to date information on the credit limit and the available credit on your Card account, you can log on to ‘Online Services’ to access information on your Card account. You may also call American Express Customer Service at 1-800-869-3016 to inquire about the available credit limit on your Card account.

What is my minimum payment on my American Express Credit Card?

The minimum payment due is the payment required to avoid your account going past due. The Minimum payment due is displayed on the Account Summary page within Online Services' and is also displayed on your statement. For more details on payments, please refer to your Cardmember Agreement.

What types of Card Fees are there?

Some American Express® Cards charge an annual fee in return for rewards, features and benefits. The amount will vary depending on the Card you apply for. Typically, the more rewards or features your Card has, the higher the annual fee. There are other standard charges and fees that may sometimes apply.

 

American Express Benefits

FRAUD AND SHOPPING PROTECTION

Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card

Learn More about Fraud Protection

WORLD CLASS CUSTOMER SERVICE

Access to our customer service is available 24/7 by phone, text or email.

Learn More about Customer Service

CONTACTLESS PAYMENTS

Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM, you can even pay with your phone.

Learn more about Contactless Payments
 

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.

Footnotes

® : Used by Amex Bank of Canada under license from American Express