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Important Message Regarding Postal Service Disruptions: Due to COVID-19, there may be a delay in outgoing mail from American Express. During this time, there may be delivery delays for gift cards and merchandise redeemed from the Membership Rewards Program. We appreciate your patience during this time. For more information, please refer to our Coronavirus FAQs.

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About Membership Rewards

  • About the Program
  • About Earning Points

    • 1. How do I earn points?

      You earn Membership Rewards points for eligible purchases charged to your Card. Simply charge your everyday purchases or business expenses to your Card and your points will add up quickly.
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    • 2. How are the points I earn calculated?

      To work out how many points you earn, we multiply the Canadian dollar value of each eligible purchase by the earn rate. If the result includes a fraction of a point, we round up or down to the nearest whole point.

      Different Cards have different earn rates. Please click here for a list of earn rates and point calculation examples.
      Return to the top

    • 3. How can I earn points quicker?

      Simply follow these three easy steps:
      1. Remember to use your Card for everyday purchases, from gas for your car to magazine subscriptions to dining out. The more you spend on your Card, the more your points can accumulate.
      2. Use your Card to pay your regular bills automatically and you can earn points on the bills you're already paying.
      3. Earn more rewards by sharing many of the benefits of your Card with someone special. Add Supplementary Cards to your account and you will earn points on those purchases too. For more information or to request a Supplementary Personal or Small Business Card application, call 1-800-668-2639 or click to Learn More.
      Return to the top

    • 4. If I don't have enough points can I purchase them?

      If you need extra points for a redemption, you can purchase points at a rate of $3.00 (plus applicable taxes) per 100 points up to 25% of the points required for a Reward at the time of redemption. You must purchase points in increments of 100 points with a minimum purchase of 1,000 points.

      Please note: Corporate Cards are not eligible to purchase points.
      Return to the top

    • 5. Do Membership Rewards points expire?

      No. There is no expiry or use by date on points while you stay enrolled in the Program.
      Return to the top

    • 6. Can I transfer points to a friend?

      No, it is not possible to transfer points to someone else's Points Account.
      Return to the top

    • 7. How do I check my points balance?

      Simply login your account to see your points balance. For detailed points transactions, go to the My Points page.
      Return to the top


    Have we missed anything?

    If you have any questions about the Membership Rewards program or would like to learn more, please call us at 1-800-668-AMEX (2639)

  • About Redeeming Points
  • Terms & Conditions

  • 1. How do I earn points?

    You earn Membership Rewards points for eligible purchases charged to your Card. Simply charge your everyday purchases or business expenses to your Card and your points will add up quickly.
    Return to the top

  • 2. How are the points I earn calculated?

    To work out how many points you earn, we multiply the Canadian dollar value of each eligible purchase by the earn rate. If the result includes a fraction of a point, we round up or down to the nearest whole point.

    Different Cards have different earn rates. Please click here for a list of earn rates and point calculation examples.
    Return to the top

  • 3. How can I earn points quicker?

    Simply follow these three easy steps:
    1. Remember to use your Card for everyday purchases, from gas for your car to magazine subscriptions to dining out. The more you spend on your Card, the more your points can accumulate.
    2. Use your Card to pay your regular bills automatically and you can earn points on the bills you're already paying.
    3. Earn more rewards by sharing many of the benefits of your Card with someone special. Add Supplementary Cards to your account and you will earn points on those purchases too. For more information or to request a Supplementary Personal or Small Business Card application, call 1-800-668-2639 or click to Learn More.
    Return to the top

  • 4. If I don't have enough points can I purchase them?

    If you need extra points for a redemption, you can purchase points at a rate of $3.00 (plus applicable taxes) per 100 points up to 25% of the points required for a Reward at the time of redemption. You must purchase points in increments of 100 points with a minimum purchase of 1,000 points.

    Please note: Corporate Cards are not eligible to purchase points.
    Return to the top

  • 5. Do Membership Rewards points expire?

    No. There is no expiry or use by date on points while you stay enrolled in the Program.
    Return to the top

  • 6. Can I transfer points to a friend?

    No, it is not possible to transfer points to someone else's Points Account.
    Return to the top

  • 7. How do I check my points balance?

    Simply login your account to see your points balance. For detailed points transactions, go to the My Points page.
    Return to the top


Have we missed anything?

If you have any questions about the Membership Rewards program or would like to learn more, please call us at 1-800-668-AMEX (2639)