SafeKey Pay with Points

Here’s how to get started:

1. Proceed to Checkout
Go to checkout at a participating SafeKey online merchant and make an order with your eligible American Express^® Card.

2. View Your Membership Rewards Points Balance
When the SafeKey screen appears, click ‘View points options’.

3. Confirm
Confirm the amount of Membership Rewards points you wish to redeem and click ‘Use points’.

Important Information:

– You cannot redeem points if you have a credit balance on your account or if you have missed a payment on your account.
– Your account will be charged in full for the purchase, and the value of the redeemed points (which may or may not cover the full purchase) will be applied to your account as a credit.
– The credit may not appear on the same account statement as the purchase.
– You must not withhold any payment due on your account based upon your expectation of receiving a credit on your account. You must always make a separate payment of at least the minimum payment due in accordance with the Cardmember Agreement and billing statement.
– Any refund for a purchase made using SafeKey Pay with Points will be to your Card Account, and not to your Membership Rewards points account. All refunds are subject to the seller's refund policy.
– Goods and services are provided by the seller and not by American Express, our affiliates or our subsidiaries. You should read any Terms and Conditions provided to you by the seller before you purchase the goods or service.

By participating in the SafeKey Pay with Points program using American Express Membership Rewards points (“MR Points”), you agree to these terms as well as SafeKey’s general Terms and Conditions.

SafeKey Pay with Points is only available at eligible online merchants, and these merchants may change at any time without notice. The option to pay with points will be displayed as part of the SafeKey checkout process when available.

An "Eligible Card" is a valid, Membership Rewards enrolled (a) American Express Consumer Card, (b) Business Card from American Express, or (c) American Express Corporate Card (“Corporate Card”), which must be issued by Amex Bank of Canada. You will only be able to use MR Points if you are the primary account holder of the Eligible Card. You cannot redeem MR Points in the SafeKey Pay with Points program if you have missed a payment on your Card Account. You must have an Eligible Card and have at least 10 points in your MR Points account to participate.

To view your available MR Points balance and to see the redemption rate for MR Points using SafeKey Pay with Points, go to membershiprewards.ca. Your points balance may also be shown to you during the SafeKey checkout process.

When you choose to use MR Points toward an eligible purchase, you will have the option of choosing how many to use. You may select up to the total amount of MR Points required to cover the total purchase amount or up to the full value of your MR Points balance, whichever is less. Following your selection, Amex will debit these MR Points from the Membership Rewards account linked to the Eligible Card. Your Card Account will be charged in full for the purchase, and a statement credit reflecting the value of the MR points used will post to your account, typically within 2 business days after the charge posts to your account. If a statement credit is processed after your Card Account’s billing period, it will appear on your next statement.

You are responsible for payment of all amounts due on your Card Account by the payment due date. Statement credits applied to your Card Account do not constitute a payment towards the minimum payment due. You must always make a separate payment of at least the minimum payment due in accordance with the Cardmember Agreement and billing statement.

Your MR Points balance will be reduced to reflect the amount of your purchase at the time of your transaction. MR Points may not currently be combined with points from other rewards programs to make eligible purchases using SafeKey Pay with Points.

If you return the goods or cancel the service you’ve purchased from the seller, then any refund you receive will be credited to your Card Account. Your MR Points Account will not be reimbursed. If you no longer have an Eligible Card account, then Amex will issue you a cheque for the appropriate refund. Returns are subject to a specific merchant’s returns policy.

If you use a Corporate Card to make a purchase (whether alone or in conjunction with MR Points), you agree that you are using the Corporate Card in accordance with your company’s policy. In the event that a returned item results in a credit to your Corporate Card, it is your sole responsibility to resolve this with your company and you agree to hold American Express harmless in respect of any loss you may incur.

We reserve the right to restrict your use of SafeKey Pay with Points at any time in our sole discretion, including when we suspect misuse or fraud.

American Express Membership Rewards Terms and Conditions apply and are available at membershiprewards.ca or at www.americanexpress.ca/corporateMRterms for Corporate Membership Rewards Program Owners.

If you have questions regarding your MR Points or your MR Points Account, please contact American Express at the number listed on the back of your Card.