Skip to main content
Start of menu
Close Menu

For Personal Use

The American Express® Gold Rewards Card
The American Express®
Gold Rewards Card
Earn25,000 Welcome Bonus points1
Enough for a round-trip flight almost anywhere in North America!2
Your first year’s on us! Apply Now

Choose this Card to

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada3
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more3
  • Earn one point for every $1 in Card purchases everywhere else3
  • Transfer your points to frequent flyer and other loyalty programs4 including 1:1 to Aeroplan®*5 and Avios®*7.

For Business Owners

The American Express® Business Gold Rewards Card
The New American Express® Business Gold Rewards Card Earn 40,000 Bonus Membership Rewards® points6
Your first year’s on us! Apply Now

Choose this Card to

  • Earn 1 Membership Rewards® point for every dollar in eligible purchases charged to the Card8.
  • Earn 1 extra point for every dollar in eligible purchases made with merchants you pick from a select group of American Express merchants in Canada8.
  • Earn up to a maximum of 250,000 extra Membership Rewards® points in each calendar year8.

Special Offer for CPA Canada Members

  • Earn a Welcome Bonus of 25,000 Membership Rewards® Points – our HIGHEST Gold Rewards Card offer – just by making $500 in purchases in the first three months of Cardmembership1.
  • Earn 3 points for every $1 in Card purchases at CPA Canada3.
  • Pay no annual fee for the first year. Plus, pay a lower annual fee of $99*
    thereafter when compared to the current annual fee of $150 after the first
    year for the Gold Rewards Card**.

Why you should say YES to the Card:

  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada3
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more3
  • Earn one point for every $1 in Card purchases everywhere else3
  • Transfer your points to frequent flyer and other loyalty programs4, including one-to-one to Aeroplan®*5 and Avios®*7
  • No pre-set spending limit9
  • Get access to some of the hottest events with Front of the Line®10
  • 1 Free Supplementary Gold Rewards Card – a $50* value – to help you earn points faster11

Book any travel and pay with points

Use a travel agency, tour operator or even an online travel website to book your travel plans. Charge last minute vacation packages, airline tickets, car rentals, adventure tours, and more to your Card, with no blackouts or seat restrictions. Then call us to redeem your points33. Your points can even cover taxes and fees. You can also redeem points towards a travel charge up to 12 months later.

Transfer your points

Transfer your points to Aeroplan®*.
1,000 Membership Rewards points = 1,000 Aeroplan Miles.5

Aeroplan

Transfer your points to Avios.
1,000 Membership Rewards points = 1,000 Avios.7

Executive Club British Airways

You can also transfer your points to these leading frequent flyer and other loyalty programs.4

Alitalia
Asia Miles
HHonors Hilton Worldwide
Starwood Preferred Guest
Delta Skymiles

Earn 25,000 Welcome Bonus points1
Enough for a round-trip flight almost anywhere in
North America!2

Apply Now The American Express® Gold Rewards Card

Coverage around the world

  • Emergency Medical Insurance12†
  • Trip Interruption Insurance13†
  • Car Rental Theft and Damage Insurance14†
  • Lost or Stolen Baggage Insurance15†
  • Flight Delay Insurance12†
  • Hotel/Motel Burglary Insurance16†
  • $500,000 Travel Accident Insurance17†

American Express Invites™:

Say hello to American Express Invites™. It opens the door to memorable experiences we think you’ll love.

The American Express® Gold Rewards Card
Earn 25,000

Welcome Bonus points1

Enough for a round-trip flight almost anywhere in North America!2

Apply Now
The American Express® Business Gold Rewards Card

Prefer a Business Card?

Access the Business Gold Rewards Card tab here.

Special Offer for CPA Canada Members

  • Earn a Welcome Bonus of 40,000 Membership Rewards® points just by making $5,000 in purchases in the first three months of Cardmembership6.
  • Earn 3 points for every $1 in Card Purchases at CPA Canada34.
  • Pay no annual fee for the first year. Plus, pay a lower annual fee of $149*
    thereafter when compared to the current annual fee of $250 after the first
    year for the Business Gold Rewards Card**.

The New American Express® Business Gold Rewards Card

Offset Business Expenses with Use Points for Purchases.

There is an easy, convenient way to get more out of your Membership Rewards® points - simply charge an eligible purchase to your Card. Then you can pay for it with points by redeeming points for a statement credit19.

40,000 Membership Rewards points = $400 statement credit.

Get the cash flow you need whenever you need it. In business you never know what’s around the corner.

Unrestricted travel – Pay with points.

Use your points to save money by investing back into your business. Book any travel you can find – any airline seat, hotel room, rental car. Charge it to your Card, then call us to pay for it with points9. Taxes and fees, too. No blackouts, no restrictions.40, 000 Membership Rewards points = $400 travel statement credit19.

You can also transfer your points 1:1 to Aeroplan5 and Avios7 and to other loyalty and frequent flyer programs4.

Aeroplan
Asia Miles
Delta Skymiles

Rewards for your business. Or just for you.

Use points for a wide range of gift cards and merchandise23 Shop and dine with points by redeeming for a selection of gift cards and certificates, including Golf Town24, The Home Depot25, Holt Renfrew, The Keg Steakhouse & Bar® and Bon Appétit26. You can also choose to redeem points for top brand merchandise such as Apple22, Bose® and Sony.

The New American Express® Business Gold Rewards Card
Earn 40,000 Bonus Membership Rewards® points6

Apply Now The American Express® Business Gold Rewards Card

Business Solutions and Travel Benefits

  • Up to 55 Interest Free Days
  • Dynamic Purchasing Power
  • Flight Delay Insurance12†
  • Complimentary Car Rental Theft and Damage Insurance13†
  • Baggage Delay Insurance27†
  • Lost or Stolen Baggage Insurance15†
  • Hotel / Motel Burglary Insurance15†
  • $100,000 Travel Accident Insurance28†
  • Travel Emergency Assistance29
  • Employee Card Misuse Protection30
  • Disability Plan for Small Business31†

American Express Invites™:

Say hello to American Express Invites™. It opens the door to memorable experiences we think you’ll love.

The American Express® Business Gold Rewards Card
Earn 40,000

Welcome Bonus points6

 

Apply Now
The American Express® Gold Rewards Card

Prefer a personal Card?

Access the Gold Rewards Card tab here.

* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

** This comparison is accurate as of date of email. Offer Subject to change without notice.

1. Offer subject to change at any time. To qualify for the Welcome Bonus you must have at least $500 in net purchases posted to your account in your first 3 months of Card Membership. Account must be in good standing. Offer not available to existing American Express Gold Rewards Cardmembers.

2. 25,000 Membership Rewards points = 25,000 Aeroplan Miles. As per Aeroplan’s current reward chart, 25,000 Aeroplan Miles are currently enough for a round-trip long-haul flight reward in economy class within Canada or to the Continental US with Aeroplan ClassicFlight Rewards (applicable fees and taxes are additional). Reward seat availability is capacity controlled and is subject to seasonality of demand. Please visit aeroplan.com for details.

3. You can earn 2 Membership Rewards points (“points”) for every $1 in eligible consumer purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, (ii) at stand-alone drugstores in Canada, (iii) at stand-alone grocery stores in Canada, and (iv) for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales but not including local and commuter transportation. Purchases at merchants where gas, grocery, pharmacy and travel sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for the earn rate in this category. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 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, points can be earned on eligible purchases less returns and other credits. Interest, fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.

4. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.

5. Membership Rewards points transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Aeroplan Miles. Other terms, conditions, and restrictions apply. Visit membershiprewards.ca for full Membership Rewards Terms and Conditions.

6. To qualify for a Welcome Bonus of 40,000 points you must have at least $5,000 in net purchases posted to your account in your first 3 months of Card membership. Account must be in good standing. This offer is not applicable to holders of an existing American Express Small Business Card product. When we stop offering the Welcome Bonus, we reserve the right to accept applications but you will not be eligible for the Welcome Bonus.

7. Membership Rewards point transfers must be made in increments of 100 points, with a minimum redemption requirement of 1,000 points for each transfer. 1,000 Membership Rewards points = 1,000 Avios. Avios are subject to British Airways Executive Club terms and conditions. For more information please visit ba.com

8. Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all purchases, less credits and adjustments. Funds advances, interest, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for points. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card. Subject to an annual maximum of 250,000 extra points, you can earn one (1) extra point for every $1.00 in eligible purchases made at Your 3 Suppliers which means purchases at Canadian locations of the three suppliers the Basic Cardmember chooses from a predefined list of American Express merchants. To view the list of participating merchants visit amexforbusiness.ca/supplierlist. List is subject to change without notice. Extra points will not be earned at Your 3 Suppliers if the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant, for example, when the purchase is made: i) using your payment account with a third party, ii) using your Card at an online retailer that sells goods and services of other merchants, or iii) if the merchant uses a third party payment service such as a card reader attached to a mobile phone.

9. No Pre-Set Spending Limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.

10. Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. 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.

11. Maximum of 9 Supplementary Cards per account. There is no annual fee for one Supplementary Gold Reward Card. Additional Supplementary Cards have an annual fee of $50 each, which is waived for the first year.

12. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

13. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.

14. 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 Gold Rewards Card or American Express Business Gold Rewards Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of the rental(s) and the type of vehicle covered.

15. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

16. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

17.Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Gold Rewards Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

18. When you charge the full price on eligible purchases to your American Express Gold Rewards Card or American Express Business Gold Rewards Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

19. You can redeem Membership Rewards points for a statement credit towards an Eligible Travel Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. You can register for online services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases, will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.

For full Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-800-668-AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.

20. As a Charge Card, the balance must always be paid in full each month in which case no interest charges apply. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.

21. No Pre-Set Spending Limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.

22. Apple is not a participant in or sponsor of this promotion.

23. Membership Rewards points can be redeemed for Gift Cards, Certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. For Full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639.

24. Your Golf Town Gift Card may be used at all Golf Town stores. It cannot be redeemed for cash or applied as payment to any account unless required by law. The value on this Gift Card will not be replaced if the Gift Card is lost, stolen, destroyed, altered or used without your permission.

25. The Home Depot is a registered trademark of Homer TLC, Inc.

26. Bon Appétit Gift Card™ is a trademark of Cara Operations Limited or its affiliates and is used under license.

27. Underwritten by Royal & Sun Alliance Insurance Company of Canada.

28. Travel Accident Insurance provides automatic coverage of up to $100,000 of Accidental Death and Dismemberment insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express Business Gold Rewards Card. Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

29. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities.

30. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of the Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

31. Underwritten by AIG Insurance Company of Canada.

32. Offer only available to American Express® Cardmembers and payment must be charged to an American Express Card issued by Amex Bank of Canada. Offer subject to limited availability, on a first-come, first-served basis. Cannot be exchanged, resold or refunded. Applicable taxes, gratuities and additional items are not included.

33. You can redeem Membership Rewards points for a statement credit toward an Eligible Travel Purchase, which is a purchase charged to your Card at travel retailers we categorize as an airline, hotel, car rental company, cruise line, travel agency, tour operator or online travel website and includes related taxes, booking fees, airport fees and insurance premiums. You must redeem a minimum of 1,000 points for a $10 statement credit. The credit must not exceed the amount of the Eligible Travel Purchase. Eligible Travel Purchases that have been posted to your Card account during the last three months can be viewed online. You can register for online services to view your Eligible Travel Purchases. If you wish to redeem points against an Eligible Travel Purchase that was posted to your Card account within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card. Other terms, conditions and restrictions apply.

34. You can earn 3 Membership Rewards points for every $1 in purchases at the Chartered Professional Accountants of Canada (CPA Canada). You acknowledge that the arrangement we have with CPA Canada (or any successor association or permitted assignee) may be changed or terminated at any time. Merchants are typically assigned codes and categorized based on what they sell.

† 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.

American Express Gold Rewards Card. Winner of Top Hybrid Travel Credit Card (with annual fee) in 2011, 2012, 2013, 2014, 2015 and 2016 and winner of Top Travel Rewards Card Overall in 2016, as voted by RewardsCanada.ca

®, TM: Used by Amex Bank of Canada under license from American Express.
®*: Aeroplan is a registered trademark of Aimia Canada Inc.