The next level of travel? Gold gets you there.

Earn More Points with Gold

With your current Card, you receive 1x points on everyday purchases and 1 additional point on Amex Travel Online. When you upgrade to the Gold Card, you can earn even more points:

Insurance Benefits with Gold

With the Gold Rewards Card, you’ll receive additional benefits, including:

*Upgrade subject to approval. Current account must be in good standing. The preferred rate for purchases is 20.99% 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 28.99%. 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 50,000 Bonus Membership Rewards^® points, you must have at least $3,000 in net purchases posted to your account in your first 3 months of Cardmembership. 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.

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. Account must be in good standing. An additional Card is a Supplementary Card. No annual fee for one Supplementary Gold Rewards Card. Each Supplementary Card added thereafter $50 annually. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 Supplementary Cards per account.

5. You can earn 2 Membership Rewards points ('points') for every $1 in eligible consumer purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, (ii) at stand-alone drugstores in Canada, (iii) at stand-alone grocery stores in Canada, and (iv) for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales but not including local and commuter transportation. Purchases at merchants where gas, grocery, pharmacy and travel sales are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for the earn rate in this category. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of 1 point for every $1 applies if the merchant code is not in an eligible category, the purchase is made using an electronic wallet or is not made directly from the provider of the good or service, e.g. through a third party or by using a mobile device (e.g. smart phone) with an attached card reader. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Your new earn rate will apply to purchases and returns upon conversion of your account to this American Express Gold Rewards Card. All deductions for returns, credits and adjustments will be calculated at the earn rate in effect at the time of the return, credit or adjustment. This means that the amount of membership points deducted from your balance may be different from the amount originally earned.

6. Basic Cardmembers can earn one additional bonus Membership Rewards point for every dollar charged to your American Express Gold Rewards 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.

7. $100 CAD Annual Travel Credit - The $100 CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at americanexpress.ca/travel. Travel booking must be charged to your American Express^® Gold Rewards Card. Account must be in good standing. If you choose to use the Annual Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one (1) Annual Travel Credit each year based on Card membership anniversary date, towards a single travel booking of $100 or more, and will appear on your billing statement as “$100 Annual Travel Credit”. Unused Annual Travel Credits expire and can not be used in future years. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

8. Effective October 18, 2021, American Express^® Gold Rewards Cardmembers are eligible to receive a $50 CAD statement credit every four (4) years for the application or renewal fee for the NEXUS program when charged to an eligible Card. Only one statement credit per account per four (4) year period may be issued, regardless of whether the NEXUS fee is charged on the Basic or Supplementary Card. American Express will not provide a statement credit for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. For existing Cardmembers as of October 18, 2021, the first four (4) year period runs from October 18, 2021 until October 17, 2025. For new Cardmembers after October 18, 2021, the first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. In either case, each subsequent four (4) year period follows the period that immediately preceded it. American Express has no control over the application and/or approval process for the NEXUS program and does not have access to any information provided to the government by the Cardmember or by the government to the Cardmember. American Express has no liability regarding the NEXUS program. American Express and the Canada Border Services Agency (CBSA) are separate and independent legal entities, neither of which is endorsing the other. The NEXUS program is run by CBSA and the U.S. Customs and Border Patrol independently (without administration by American Express). For additional information on the NEXUS program, please visit www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html. The NEXUS program is subject to change, and American Express has no control over those changes.
Please allow up to 8 weeks after the qualifying NEXUS transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible NEXUS purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Cardmembers are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.
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9. Priority PassTM - These Terms and Conditions govern Basic American Express Gold Rewards Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. All lounge visits are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. This fee applies to the Cardmember and his/her guests. Some lounges do not admit guests. By enrolling in Priority Pass, you agree that you will be responsible for all visit costs and that American Express Gold Rewards Card will be automatically charged after you have signed for the visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enrolled, American Express Gold Rewards Cardmembers whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact Card Services using the number on the back of your American Express Gold Rewards Card. Please note, Supplementary American Express Gold Rewards Cardmembers are not eligible for membership. Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, login to your account at www.prioritypass.com.

10. Basic American Express^® Gold Rewards Cardmembers are eligible for four (4) complimentary visits per calendar year to Canadian Plaza Premium Lounges. Cardmembers can apply complimentary visits towards accompanying guest visits. After your four (4) complimentary visits have been used, you may visit for a usage fee at the prevailing rate, which is subject to change without prior notice. To access a lounge, American Express Gold Rewards Cardmembers must show a valid, unexpired eligible American Express Gold Rewards Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the American Express Gold Rewards Cardmember/guest(s). Maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. Supplementary Gold Rewards Cardmembers are not eligible for complimentary access. Supplementary Gold Rewards Cardmembers are not eligible for complimentary access, unless accompanying a Basic Gold Rewards Cardmember as one of their guests. For a complete listing of Canadian lounge locations, please visit plazapremiumlounge.com.

11. 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.

12. 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.

13. 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.

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

†:All insurance coverage is subject to the 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.