†: 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. If you are a Quebec resident, please read the Insurance Summary and Fact Sheet.

1. Subject to Approval. Account must be in good standing. You, the Basic Cardmember, will be liable for all charges to a Supplementary Card. 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. 
2. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees and cash equivalent transactions are not purchases and do not qualify for points.
   
3. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: 1 point for every $1 in eligible purchases charged to your Card. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
4. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. 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.
   Subject to Membership Rewards Terms and Conditions. Visit membershiprewards.ca for full Terms & Conditions of the Membership Rewards program or call 1-800-668 -AMEX (2639). Small Business Cardmembers, please call 1-888-721-1046.
5. Merchandise Availability: All merchandise rewards are subject to availability. If an order is not available, a similar item of equal value or greater will be substituted whenever possible. If a substitution is not available, your Membership Rewards points will be credited back to your program account and you will be contacted. Merchandise rewards are subject to change without notice. New merchandise rewards will be added to the program on a regular basis. Some rewards are available in limited quantities. Limited items will be noted in the product description. 
   Merchandise Delivery: allow 2-4 weeks for delivery. Cardmembers are required to provide a signature when rewards are delivered. Some items may have longer delivery times—this will be indicated. Orders are shipped via courier and require complete mailing address and telephone number for daytime delivery. (Orders cannot be shipped to a post office box.)
   Merchandise Returns: Redeemed rewards are not refundable, exchangeable, replaceable or transferable for cash or credit.
6. Membership Rewards points can be redeemed for Gift Cards or certificates and other merchandise. The Gift Card or Certificate is subject to the Terms and Conditions indicated on the reward. 
7. 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.
8. Available to American Express Consumer and Small Business Cards. Not applicable for all new purchases. The following purchases do not qualify and will still be processed even if the Cardmember has frozen the Card: automated or pre-authorized payments, recurring bills or subscriptions, transactions on any Supplementary Cards if only the Basic Card is frozen (each Supplementary Card must be frozen separately), mobile wallet transactions (including adding a Card to a mobile wallet), using the Card for online payments at merchants where the Card is stored on file or set up as the method of payment, and offline and delayed authorizations (such as purchases made aboard airlines). After freezing the Card, it will automatically unfreeze after 7 days.
9. Underwritten by Belair Insurance Company Inc. You may contact the insurer at 1-833-964-2757 in Canada and the U.S. or visit https://info.client.insure.

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