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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.
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 $30,000 in net purchases posted to your account annually 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 each year on the Cardmembership anniversary date. 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, (ii) travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, (iii) 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.
Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your American Express 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.
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. For Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-800-668-2639. Corporate Cardmembers, please call 1-800-716-6661.

Delivery Information: Orders will be processed within 2 business days. If the value of the Gift Card, Prepaid Card or Certificate is less than $200, it will be delivered by Canada Post which could take up to one week for delivery. If the reward value is greater than $200 but less than $500, it will be delivered by Priority Post within 3-5 business days. If the reward value is $500 or more, it will be delivered by Priority Post within 3-5 business days and will require a signature upon delivery. If you are not available at home at the time of delivery, directions to the nearest postal location will be left at your door. Rewards that are not in stock may take additional time to deliver.
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 - Please 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.
Amazon Shop with Points - By participating in Amazon.ca’s Shop with Points program using American Express Membership Rewards ('MR Points'), you agree to these Service Terms as well as Amazon.ca’s Terms of Use (including 'Frequently Asked Questions'). Please review them carefully, together with Amazon.ca’s Privacy Notice, to understand Amazon.ca’s practices.

To use your MR Points to purchase eligible items at Amazon.ca, your eligible Membership Rewards program account ('MR Points Account') must be linked to your Amazon.ca account through the enrollment process. We reserve the right to restrict your use of Shop with Points or to un-enroll your MR Points Account by de-linking it from your Amazon.ca account at any time in our sole discretion, including when we suspect misuse or fraud.

You agree that Amazon.com.ca, Inc. and its affiliates (collectively, 'Amazon') may share information that you have provided to Amazon with Amex Bank of Canada and its affiliates (collectively, 'Amex'). Amex may share information with Amazon regarding your Membership Rewards points account for the sole purpose of managing and facilitating the Shop with Points program using membership rewards points. This information sharing allows us to link your Amazon.ca account to your MR Points Account and, once enrolled, Amex may provide Amazon with information about your MR Points Account, including your total MR Points balance. We may also share information that you have provided to Amazon with Amex so that Amex can perform its functions with respect to the Shop with Points program, including processing payments made with MR Points. Neither Amazon or Amex will use information provided to it by the other party in support of the Shop with Points program for any purpose other than as expressly set forth in this paragraph.

Certain items at Amazon.ca are not eligible for purchase using MR Points, and these items may change at any time. MR Points may not be used when making purchases with 1-Click. If you do not have enough MR Points to pay for your eligible purchase, you can pay for the remainder with the Amex credit or charge card linked to your MR Points Account, or an Amazon.ca Gift Certificate. Your MR Points balance will typically be reduced to reflect the amount of your purchase at the time of your order, but in some cases it may not reflect your use of MR Points for pending purchase transactions until the purchase has shipped or otherwise been fulfilled. It is your responsibility to ensure that you have enough MR Points in your MR Points Account at the time your MR Points are ultimately redeemed. If you don’t have enough MR points remaining in your MR Points account at the time they are to be redeemed, you will be required to authorize another payment method. Your Amex credit or charge card will not be charged automatically. MR Points may not currently be combined with other rewards programs to make eligible purchases using Shop with Points at Amazon.ca.

Returns are subject to Amazon’s returns policy. If Amazon accepts a return for an item you purchased using only MR Points, those MR Points will be credited to your Points Account. If Amazon accepts a return for an item you purchased using MR Points and another payment method, Amazon may, in its sole discretion, credit the return to the other payment method before crediting MR Points to your MR Points Account. This is different from the order in which payment methods (MR points, Amex credit and charge card and stored value card) are applied at the time of purchase. See ordering section of the FAQ for details. If you no longer have an active MR points account or, if applicable, Amex credit or charge card, Amazon may process your return by providing you with an Amazon gift card. If you have questions regarding your Points or your Points Account, please contact American Express on the number listed on the back of your Card.
Membership Rewards points are accepted as payment for a wide range of travel options through American Express Travel Services. Membership Rewards points can be used to pay for new travel purchases, including taxes and surcharges. Membership Rewards points are not refundable. Membership Rewards points have no cash value. Travel selections are based on available space and are subject to terms and conditions of travel suppliers. For car rental companies and hotels that do not accept prepaid bookings, contact American Express Travel Services at 1-855-804-9600 for details about how you can use your Membership Rewards points. 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. When you redeem points for an eligible travel booking, the full cost of the flight, including taxes, fees and carrier surcharges will be charged to your card. Within 10 business days from the date of booking, you will receive a statement credit for the amount you redeemed. If your statement monthly cycle cut date falls between the date the transaction is recorded on your statement and the date the statement credit is processed, you will be responsible for paying your monthly statement in full. The statement credit will be applied against your next statement. If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable. Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
All references to you means the Basic Cardmember.
Referral Program Terms – Your account must be in good standing. If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. If this is a referral in the context of your business, you agree to only make recommendations to business contacts whom you know and have consented to receive this recommendation from you. You must not send recommendations to people you do not know. Whenever you reach out to a potential referral, you will only use content we provide. Any additional statements you make cannot be inconsistent with our content and must be truthful, accurate and not misleading. You should not publish or distribute your referral link in locations where the audience is likely to include individuals with whom you do not have a business, personal or family relationship or who may not be interested in the offer. You can only receive a maximum referral bonus of 75,000 Membership Rewards^® per calendar year for approved referrals, which includes eligible referral bonus amounts from both (i) special or limited time referral offers and (ii) regular referral offers in that same calendar year. Referral bonus for each approved referral and maximum annual referral bonus limit may change at any time and if you change card products. Should the referral bonus amount change during the calendar year, you may receive a partial bonus depending on the available maximum bonus amount. You are not eligible to receive this referral bonus offer if you have already reached your maximum annual referral bonus limit. The referral bonus will be awarded to you based on each eligible referral for which American Express receives an application that is subsequently approved, subject to all applicable terms and conditions. Your referral bonus will be awarded in the calendar year in which the eligible referral application is approved and not when the referral application is received. Due to the confidential nature of the approval process, you will not be notified when applications are approved or declined and any individual you have referred must agree to allow your account to be bonused upon approval or you will not receive the referral bonus. If our records indicate that any person you have referred has opted not to receive e-mails from us, your referral will not be sent and you will not receive the referral bonus offered as part of this program. Referral program varies by product and may be modified, suspended, cancelled or otherwise terminated without notice. Cannot be combined with any other offer. If the people that you refer have already applied for the product that you are referring without participating in this program, neither you nor they will be eligible for any referral bonus that may be offered as part of this program. Likewise, if the people you refer decide to apply for a Card through this referral program other than the one you have specifically recommended, the referral bonus for which you and they may be eligible will vary. You will only use the delivery methods we provide. By participating in the referral program, you are requesting that emails be sent on your behalf to individuals with whom you have a business, personal or family relationship. If you already have an American Express Card, you are prohibited from referring yourself for any American Express Card. Any violation or abuse of this referral program including, sending emails to individuals with whom you have no business, personal or family relationship, referring yourself, and efforts to bypass, manipulate, obscure or otherwise modify the delivery and accurate presentation of the referral link, sharing tools, content, disclosures, instructions or other materials we provide will be considered a breach of these Terms and make you ineligible for any referral bonus, reverse any referral bonus awarded, and result in your termination from the program and cancellation of your Card account. Your Card account's eligibility to participate in the referral program is based on your creditworthiness and other factors including your account history with American Express. Referral program participants should allow 8 to 10 weeks for the award of the referral bonus once program criteria have been met and must be enrolled in the corresponding loyalty program (if applicable) when the referral bonus is awarded. American Express reserves the right to limit, cancel, or revoke a referral or welcome bonus if it determines, in its sole discretion, you have violated these Terms. All products and services are subject to applicable Terms and Conditions.
Use Points for Purchases – You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 points per redemption. 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. All Eligible Purchases: 1,000 points = $10 statement credit.

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.
The Fixed Points Travel Program applies to return airfares offered through American Express Travel Services Canada or americanexpress.ca/travel. Card account must be in good standing. To be eligible and be presented with this redemption option, you must have sufficient Membership Rewards Points (“points”) at the time of booking. When booking for multiple travellers on the same itinerary, you must have enough points to cover all travellers.

Under the Fixed Points Travel Program, a fixed number of points covers the base ticket price of eligible flights up to the applicable maximum base ticket price. The flight grid includes the fixed number of points with the corresponding applicable maximum base ticket price required per category.

The base ticket price (often referred to by airlines as the base fare) excludes taxes, fees and carrier surcharges. You will be charged for these additional costs and any dollar amount that exceeds the applicable maximum base ticket price. If the base ticket price for an eligible flight is below the applicable maximum base ticket price, the difference:
(i) cannot be used to cover taxes, fees or carrier surcharges;
(ii) will not be credited to your Card account; and
(iii) will not be applied to cover additional costs associated with changes or cancellations.

The full cost of the flight, including taxes, fees and carrier surcharges will be charged to your Card upon booking. Within 5-10 business days from the date of booking, you will receive a statement credit for the base ticket price up to the applicable maximum base ticket price.

Example 1:
A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $250 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $350), then you will be required to redeem 20,000 points and will be charged $350; you will then receive a statement credit for $250 (the base ticket price).

If you decide to change this booking reservation for a new eligible flight with a higher base ticket price (such as $275), then in addition to all other applicable charges, you will also be required to pay an additional $25 (the difference between $250 and $275) even though the new base ticket price is below the $300 maximum base ticket price.

Example 2:
A select route requires a redemption of 20,000 points and the maximum base ticket price is $300. If an eligible flight for this route has a base ticket price of $350 plus $100 in taxes, fees and carrier surcharges (total cost of flight amounts to $450), then you will be required to redeem 20,000 points and will be charged $450; you will then receive a statement credit for $300 (the maximum base ticket price).

You are responsible for any additional charges as a result of any changes or cancellations to your booking. Subject to an airline’s policy, a change or cancellation may result in a credit to your Card account and/or a credit with the respective airline. In neither case will the points you redeemed for this flight be returned to you. Flight availability and prices of flights are subject to availability and set by the airlines. Eligible routes are based on the International Air Transport Association airport code classification.

If the American Express Installment Program applies to you and you also redeem points for one or more transactions, the Installment Program will take precedence and the credit will apply to your account in the regular course. This could result in you having a credit balance on your account. If you want to reduce the credit balance, you can cancel any active installment plans you may have. See the Installment Program terms and conditions in your Cardmember Agreement for details, if applicable.

American Express can suspend or terminate the Fixed Points Travel Program at any time it deems necessary, and reserves the right to change these Terms and Conditions, including but not limited to the flight grid, at any time.

The Terms and Conditions of the American Express Membership Rewards Program will continue to apply.

Visit membershiprewards.ca to view the full Membership Rewards Program Terms and Conditions. In the event of a conflict, these Terms and Conditions prevail for the Fixed Points Travel Program.
Various offers will be available to Cobalt Cardmembers from time to time. These offers will be communicated by email and other select channels. Conditions apply and vary by offer.
Valid at participating hotels for new bookings of at least two consecutive nights made through americanexpress.ca/travel or americanexpress.ca/thc. Payment must be made in full with an eligible American Express Card in the Canadian Cobalt Cardmember’s name at time of checkout. The Cobalt Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the credit as deduction from the final hotel bill when checking out of the hotel; they will receive $1 for each eligible dollar spent up to $100 USD. Amenities vary by property and facilities available. Eligible 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. Three-room limit per Cardmember per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating hotels and benefits subject to change.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
Underwritten by Chubb Life Insurance Company of Canada ("Chubb Life"). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
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.
Access to the American Express^® Entrance is available to individuals upon the presentation of a valid American Express Card.
Subject to Lounge capacity.
Priority Line and Priority Bars – American Express^® Cardmembers may access the Priority Line and/or Bar during an event operating day and must pay with a valid, unexpired American Express^® Card. The Priority Line and/or Bar is serviced by Ed Mirvish Enterprises Limited staff and located at select bar areas within the Ed Mirvish, Princess of Wales and Royal Alexandra Theatres. Cardmembers and guests placing an order are required to comply with the theatre’s drink order limits. All theatre rules apply. Priority Line and/or Bar access is subject to change or cancellation at any time. You must be of local legal drinking age and must carry a valid government-issued identification to consume alcoholic beverages. Please drink responsibly.
Underwritten by Royal & Sun Alliance Insurance Company of Canada. Applies to eligible items fully charged to your Card worldwide, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.
Use the American Express Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details, PIN and any device on which you have added your account information. Notify us at once if your Card or eligible device is lost or stolen, or you suspect it is being used without your permission. For more information on the Fraud Protection Guarantee, refer to Fraud FAQs.
See details and Terms & Conditions on Amex.ca/App.
Eligible cards will vary by offer and are subject to change. Offers are subject to terms and conditions and full program terms.
Eligible on iPhone 5s and above with iOS 8 or higher.
Eligible on iPhone X and above with iOS 11 or higher.
Restrictions and limitations apply.
Eligible cards will vary by offer and are subject to change. Select Canadian American Express Cards issued by Amex Bank of Canada and cards issued by a licensed third party issuer (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. Subject to offer terms and conditions, and full program terms.
Various offers on prepaid hotel and car rental bookings will be available to American Express Cardmembers on American Express Travel Online from time to time. These offers will be communicated by email and other select channels. Conditions apply and vary by offer.
Point transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details.
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.

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

^†:All insurance coverage is subject to their terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully. If you are a Quebec resident, please read your Insurance Summary and Fact Sheet.

^‡:American Express Cobalt^® Card. Winner of Best Overall Credit Card, Best Rewards Credit Card, Best Grocery Credit Card, and Best Restaurant Credit Card in 2021, as voted by CreditCardGenius.ca. Learn more by visiting https://creditcardgenius.ca/best-credit-cards/.

At American Express, we’re committed to helping you find products that are appropriate for you. For more information, visit amex.ca/appropriate-products.

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