GOLD GETTERS EXPECT MORE. THIS CARD DELIVERS.

* This charge Card has both ​Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account. If you are an existing Cardmember, please refer to your statement for more details on Annual Interest rates for Flexible payment option & Due in full balances​.

1. Value in CAD. Estimated total annual value of $220 based on $100 annual Dell Credit (up to $50 per 6-month period) + $120 Instacart Credits (up to $120 within a 12-month period).
2. Dell Offer: Available to eligible Basic Cardmembers with the following Card:
   American Express^® Business Gold Rewards Card
   Must register an eligible Card within Amex Offers by logging in to your americanexpress.ca account or through the Amex App. Review the full offer terms and conditions below.
   
   When you click on the applicable link you will be redirected to the merchant website.
   
   

   The registered Card account must be in good standing. Must first register your Card to the offer and use same Card to make qualifying purchase(s) every 6 months from 05/07/2023 to 31/12/2026. Date format is DD/MM/YYYY. Your ability to earn a statement credit will reset every 6 months. The first 6-month period runs from 05/07/2023 until 31/12/2023. Subsequent 6-month periods will start on the first day of every January and July until the offer ends on 31/12/2026. A purchase made during the offer period prior to registration of your eligible Card for this offer is not a qualifying purchase. Your registration of an eligible American Express Card for this offer extends only to qualifying purchases on that Card.
    

   For every 6-month period, each time you make a qualifying purchase online at www.dell.com/en-ca you can get a statement credit equal to the amount of the purchase transaction after taxes and applicable fees, charged to your registered Card during that 6-month period and subsequently posted to your account, up to a maximum of $50 (CAD) in statement credit/s. If the maximum of $50 (CAD) in statement credits per 6-month period is exceeded, purchases that exceed the $50 (CAD) maximum will not qualify for a statement credit. This will result in a statement credit being issued for an amount less than the purchase. Purchases made with supplementary cards are not qualifying purchases.
    

   Purchases made by the last day of each 6-month period (December 31 or June 30) but charged to the registered Card after those dates may not count towards eligible spend for that 6-month period (for example, if a purchase is made on or before December 31 but charged by the merchant on the shipping or delivery date and that date occurs after December 31 or if there is a time difference). If this occurs, that purchase will count towards eligible spend for the next 6-month period. Purchases charged to the registered Card by the merchant after the offer period ends will not qualify for the offer (for example, if a purchase is made while the offer is available but charged by the merchant on the shipping or delivery date and that date occurs after 31/12/2026).
    

   Offer valid online only at www.dell.com/en-ca. Purchases must be made on the Canadian version of the merchant’s website, paid in Canadian dollars, and shipped within Canada to be eligible. Excludes Dell Technologies partner portal, Dell Advantage program, repairs, refurbished products, Dell Financial Services, Dell for Home, Dell Partner Direct, Dell Premier, and authorized retailers. Purchases of gift cards are excluded. Offer is non-transferable.
    

   Statement credit will be applied to your registered Card account within 90 days after the end of each 6-month period, provided that American Express receives information from the merchant about your qualifying purchase(s). American Express may not receive information about your qualifying purchase from the merchant until all items from your qualifying purchase have been provided/shipped by the merchant. Statement credit may be reversed if qualifying purchase(s) is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. Unless expressly stated otherwise in the offer, the following transactions are not qualifying purchases for this offer: purchasing a merchant’s goods through a third party, such as through concession stores in department stores, payment account or service of a third party, a card reader attached to a mobile phone, online aggregators that sell goods of other merchants or if the merchant category is otherwise not identified. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic/Primary Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.
    

   In the event that you replace your registered Card through Amex Bank of Canada or other participating American Express card issuer (as applicable) during the offer period, your participation in this offer will end and you will need to re-register for this offer. 
    

   American Express reserves the right to vary any eligibility criteria or the Terms prior to you registering for the offer. If you have not yet registered your Card for the offer and you have multiple American Express cards, your eligibility may change so that the offer only applies to the card that has the higher spend.
    

   This offer is a benefit available to Basic Business Gold Rewards Card Members only. If you switch to a new Card product that is not eligible for this offer, enrolment will be removed from your Card account. If a Card you hold is ineligible, you will not be able to see the benefit, nor will you be able to register your Card. If you are no longer eligible for this offer due to a change in account status, including but not limited to fraudulent flags, suspension or cancellation, it will be removed from your Account.
    

   For full terms that apply to registering your Card in the program, see Program Terms.

3. Instacart Offer: Available to eligible Basic Cardmembers with the following Card:
   American Express^® Gold Rewards Card
   American Express^® Business Gold Rewards Card
   Must register an eligible Card within Amex Offers by logging in to your americanexpress.ca account or through the Amex App. Review the full offer terms and conditions below.
   
   When you click on the applicable link, you will be redirected to the merchant website.
   
   The registered Card account must be in good standing. Must first register your Card to the offer and use the same Card to make qualifying purchase(s) each month from 06/01/2025 to 31/12/2027. Date format is DD/MM/YYYY. Your ability to redeem will reset on the first day of each month, and end on the last day of the same month until 31/12/2027. A purchase made during the offer period prior to registration of your eligible Card for this offer is not a qualifying purchase. Your registration of an eligible American Express Card for this offer extends only to qualifying purchases on that Card during the offer period.
   
   To be eligible for a $10 (CAD) statement credit, a qualifying purchase of at least $10 (CAD) in a single transaction, after taxes and applicable fees, must be charged to your registered Card on the Instacart mobile application in Canada or online at www.instacart.ca by the last day of each month during the offer period and subsequently posted to your account. Purchases made during a monthly period but charged to the registered Card after the end of that monthly period may not count towards eligible spend for that month (for example, if a purchase is made during the monthly period but charged by the merchant on the shipping or delivery date and that date occurs after the monthly period ends, or if there is a time difference). If this occurs, that purchase will count towards eligible spend for the next monthly period. Purchases charged to the registered Card by the merchant after the offer period ends will not qualify for the offer (for example, if a purchase is made in the last month the offer is available but charged by the merchant on the delivery date or after a free trial, and that date occurs after the offer ends)
   
   Offer valid only for purchases made online through the Canadian version of the merchant’s website (www.instacart.ca) or through the Instacart mobile application in Canada. Purchases must be made in Canadian dollars and shipped within Canada to be eligible. Each qualifying purchase must be made with a single retailer. Excludes purchases of gift cards, prescriptions, alcohol purchases, and orders placed or shipped internationally. Not valid on Instacart Fresh Funds, Instacart Ads, Instacart Health, and any other Instacart program (existing or new) as determined by Instacart in its sole discretion. See Instacart website for delivery availability in your area. Offer is non-transferable. You can earn a maximum of $10 (CAD) in statement credit/s per registered Card per month for the duration of the offer period.
   
   Statement credit will be applied to your registered Card account within 150 days of your purchase, provided that American Express receives information from the merchant about your qualifying purchase(s). American Express may not receive information about your qualifying purchase from the merchant until all items from your qualifying purchase have been provided/shipped by the merchant. Statement credit will be reversed if qualifying purchase(s) is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. Unless expressly stated otherwise in the offer, the following transactions are not qualifying purchases for this offer: purchasing a merchant’s goods through a third party, such as through concession stores in department stores, payment account or service of a third party, a card reader attached to a mobile phone, online aggregators that sell goods of other merchants or if the merchant category is otherwise not identified. A statement credit does not constitute a payment and does not satisfy the requirement to pay the minimum due on a credit card. The Basic/Primary Cardmember must continue to make separate payments of at least the minimum due in accordance with the Cardmember agreement and account statement applicable to their registered Card account.
   
   While we hope to provide you with this offer on the terms set out here, we reserve the right to change or cancel this offer at any time
   
   If you switch to a new Card product that is not eligible for this benefit, enrolment will be removed from your Card account. If you are no longer eligible for this benefit, due to a change in account status including but not limited to fraudulent flags, suspension, or cancellation, it will be removed from your account.
   
   American Express or Instacart reserves the right to vary any eligibility criteria or the Terms prior to you registering for the offer. If you have not yet registered your Card for the offer and you have multiple American Express cards, your eligibility may change so that the offer only applies to the card that has the higher spend.
   
   In the event that you replace your registered Card through Amex Bank of Canada or other participating American Express card issuer (as applicable) during the offer period, your participation in this offer will end and you will need to re-register for this offer.
   
   For full terms that apply to registering your Card in the program, see Program Terms.
   
   INSTACART^®, the Instacart Carrot logo, the Instacart Partial Carrot logo, and the Instacart Carrot Top logo are trademarks of Maplebear Inc., d/b/a Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or post codes.
4. The interest grace period from the closing date of the current statement to the closing date of the next statement varies and will be 28, 29, 30, or 31 days depending on the number of days in the calendar month in which the current closing date occurs. Interest will not be charged on transactions and you will have an interest grace period of up to 31 days from the closing date on your statement if every month we receive payment in FULL by the next statement date after the transaction first appeared on your billing statement. Payment in FULL means payment of the total new balance shown on your statement which is made up of all charges to your account (including purchases, funds advances, fees and other charges) up to the closing date.
5. As a charge card, there is no pre-set spending limit. The Flexible Payment Option limit represents the maximum balance you are able to pay over time using the Flexible Payment Option feature available on your card.
6. Account must be in good standing. Membership Rewards points will be earned by the Basic Cardmember on the amount of all purchases, less credits and adjustments. Interest charges, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Membership Rewards points.
7. Account Alerts is a free service for American Express Cardmembers. However, your mobile phone service provider may apply fees for incoming text messages. Please contact your provider for further details.

1. The Hotel Collection - 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, Supplementary Canadian Platinum, Canadian Gold Rewards, Supplementary Canadian Gold Rewards, Canadian Cobalt, Supplementary Canadian Cobalt, Canadian Business Platinum, Supplementary Canadian Business Platinum, Canadian Business Gold Rewards, Supplementary 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 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 booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers traveling 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.

2. 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.

3. Subject to capacity. Admittance granted with an American Express Card. Beverages will be for purchase. Must be 19 years of age or older to have alcohol and must have a valid ID. Please drink responsibly.

4. Terms and conditions, rental location and rental vehicle exclusions apply. 10% discount available on the best prepaid and non-prepaid retail rates and it applies to time, mileage and all mandatory insurance and waivers included in the base rate (excludes Dream Collection, Supercars, Vans and other commercial vehicles). One car class upgrade is available on standard vehicles only, excluding Hertz Collections (Vans, and all Collection cars, Green/Fun/Prestige/Family/Dream/Supercar vehicles), on rentals of five consecutive days or more and is applicable in all participating destinations excluding Japan and is subject to availability. Standard Blackout dates apply – visit www.hertz.com/AmexBenefits for full terms and conditions. Fee will be waived for one (1) additional driver providing the additional driver is listed on the rental agreement and meets the required driving credentials for the country where the vehicle is rented. The following countries and/or Hertz locations are excluded from the list of Participating Destinations: India, Pakistan, Sri Lanka and Taiwan rental locations. Rentals within Japan are eligible for up to a 5% discount and one complimentary additional driver, but no vehicle upgrade will apply. Gold Plus Rewards® enrollment is required to enjoy all benefits. Hertz standard terms and conditions of rental apply. American Express reserves the right to instruct Hertz to cancel your membership if you cease to be an American Express Cardmember or your account is not in good standing. Hertz Benefit only valid if rental paid for using an eligible American Express Card and when the Gold Plus Rewards membership number is provided at time of booking. The promotional CDP #705500 for the Hertz American Express benefits must be included as part of the Cardmember’s Gold Plus Rewards membership. Rentals are subject to Hertz terms and conditions.

5. 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.

1. 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.
   
2. This product is administered by Belair Insurance Company Inc. 
   
3. This is not an insurance. Costs associated with any out-of-pocket expenses related to your Travel Emergency Assistance inquiry are your responsibility. Services will be provided as permitted under applicable law and must be authorized and arranged by AXA Assistance.
4. 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..
5. Fraud Protection Guarantee - 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 and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.

† 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.

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