LIVE IN THE MOMENT – AND GET REWARDED FOR IT

†: 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.

*Upgrade subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have 2 separate Missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate Missed Payments, the applicable rates will be 29.99%. See the Information box included with the application for the definition of Missed Payment and which rates apply to changes on your account and other details.

1. Welcome Bonus – Account must be in good standing. To qualify for the 15,000 Bonus Membership Rewards points, you must have at least $2,000 in net purchases posted to your account in your first 3 months of Cardmembership. Please allow up to 24 hours after upgrading for eligible spend to qualify for the Welcome Bonus. Please allow up to eight weeks for the Welcome Bonus to be awarded. Membership Rewards points will be earned by the Basic Cardmember on the amount of purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Offer subject to change at any time.

Current or former Cardmembers with this Card are not eligible for this offer. If we determine you have engaged in any abuse related to the offer and/or program and/or you are not eligible for the offer, we reserve the right to forgo issuing the welcome bonus, deduct it from your account, and/or cancel your Card account(s) and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple Cards to earn points, applying for or transferring to a new Green Card after upgrading, canceling or downgrading your Card within 14 months of acquiring it, or canceling or returning purchases you made to earn points. Please refer to the Membership Rewards Terms & Conditions (americanexpress.com/en-ca/rewards/membership-rewards/terms) for other examples of abuse related to the program and for further detail on the consequences of abuse in relation to the program.

2. Use Points for Purchases – 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.

3. Account must be in good standing. 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.

4. The Hotel Collection Terms and Conditions

Valid at participating hotels for new bookings of at least two consecutive nights made through Platinum Card Travel Service, Personalized Travel Service, Centurion Travel, americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Platinum, Canadian Gold Rewards, Canadian Cobalt, Canadian Business Platinum, Canadian Business Gold Rewards, or Canadian Centurion Cardmember’s name at time of checkout. The Platinum, Gold Rewards, Cobalt, Business Platinum, Business Gold Rewards, or Centurion Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the $100 USD credit as deduction from the final hotel bill when checking out of the hotel; $100 USD. Amenities vary by property and facilities available. To receive the credit, the eligible spend must be charged to your hotel room and the credit will be applied at check-out. Charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay. (2) A one category room upgrade is based on availability and eligibility at check-in to the hotel. 12pm check-in and late check-out are based on availability and eligibility at check-in to the hotel. Three-room limit per Cardmember per stay. Back-to-back stays booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers travelling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Participating hotels and benefits subject to change.

Featured Hotels Terms and Conditions

All featured hotel prices, benefits, offers, and availability are accurate at the time first displayed on the American Express Travel website. While every effort is taken to ensure hotel inventory, benefits, and offers remain accurate, prices and availability may change at any time, and are dependent on third party inventory. Hotel pricing, benefits, offers, and availability are not guaranteed until the receipt of your booking confirmation email. Hotel bookings and associated benefits and offers are subject to availability and respective cancellation policies of the hotel. The respective hotel is responsible for the fulfilment of eligible benefits and offers. You can view the hotel’s cancellation policy when you review your itinerary prior to check-out. All bookings subject to the American Express Online Travel website terms and conditions. Rules, restrictions, and blackout dates may apply.

5. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your Cobalt Card for eligible hotel and car rental bookings (less credits and adjustments) made through the American Express Travel website where American Express Travel (not the hotel or car rental company) is the merchant. Hotel bookings under The Hotel Collection program are not eligible for this bonus Membership Rewards points offer. The number of bonus Membership Rewards points is calculated by multiplying each eligible transaction by one subject to rounding. Terms and Conditions of the Membership Rewards Program apply. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing.

6. Eligible Cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada or another participating American Express Card issuer other than Amex Bank of Canada (as applicable) are eligible Cards for the offer. The following Cards are not eligible: American Express Corporate Cards, American Express^® Gift Cards and Prepaid Cards. You are eligible to register for the offer if you receive an email invitation from American Express that displays the last 5 digits of the eligible Canadian American Express Card or if you receive the offer in other select channels, which may include American Express Online Services, American Express App, and American Express website. Other conditions apply.

7. You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: Earn 5 points for every $1 at (i) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, (ii) stand-alone grocery stores in Canada, (iii) delivery of food and groceries in Canada as a primary business, up to a combined maximum of $2,500 in net purchases posted to your account monthly on these categories. Once the maximum is reached, you will no longer earn at 5 points for every $1 regardless of credits, returns and adjustments. Earn 1 point for every $1 thereafter. Calculation resets to zero on the 1^st of each month. Earn 3 points for every $1 on eligible streaming subscriptions at select providers in Canada. The current list of providers is available at americanexpress.ca/streaming. Purchases with merchants that are not on the list or that are on the list but bundled with another product or service or billed by a third party such as a digital platform or a cable, telecommunications or internet provider, or a car manufacturer, are not eligible. Earn 2 points for every $1 at or for (i) stand-alone automobile gasoline stations in Canada and (ii) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services. Purchases at merchants where these categories are not their primary business such as general merchandise retailers do not qualify. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies when the merchant code is not in an eligible category, using a payment account or service of a third party, a card reader attached to a mobile phone, or online retailer that sells goods of other merchants, or the merchant category is otherwise not identified. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.

8. 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. 

9. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

‡: American Express Cobalt^® Card. Winner of Best Rewards Credit Card in 2024, as voted by creditcardGenius. Learn more by visiting creditcardgenius.ca/blog/best-credit-cards. The publisher who granted this award may receive a referral fee or other compensation from American Express if you apply for this Card through their website.

‡: American Express Cobalt^® Card. Winner of Best Overall Credit Card In Canada in 2024, as voted by Rewards Canada. Learn more by visiting rewardscanada.ca/best-credit-card-in-canada/. The publisher who granted this award may receive a referral fee or other compensation from American Express if you apply for this Card through their website.

‡: American Express Cobalt^® Card. Winner of Best Credit Card for Dining in 2024, as voted by Milesopedia. Learn more by visiting milesopedia.com/en/credit-cards/american-express-cobalt-card/. The publisher who granted this award may receive a referral fee or other compensation from American Express if you apply for this Card through their website.

‡: American Express Cobalt^® Card. Winner of Best Card for Young Professionals in 2024, as voted by Rates.ca. Learn more by visiting rates.ca/credit-cards - rewards-young. The publisher who granted this award may receive a referral fee or other compensation from American Express if you apply for this Card through their website.

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