American Express^® Gold Rewards Card

Earn points

• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada³
• Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more³
• Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel at americanexpress.ca/travel⁴
• Earn 1 point  for every $1 in Card purchases everywhere else³
• Eligible Basic Cardmembers can refer friends and could earn up to a maximum annual referral bonus of 112,500 points on approved referrals¹⁴

Redeem points

Use Points for Purchases¹²
From gas, to groceries and to travel, you can redeem your points for a statement credit towards eligible purchases charged to your Card! Just log into Online Services or the American Express^® App, select an eligible purchase you want to redeem points for, and wait for the statement credit to appear on your account. See how easy it is to use points for purchases on the app at amex.ca/apptutorials.

Use points for the Flexible Points Travel Program⁸
Use your points to pay for new travel purchases (including taxes, surcharges and fees) when you book through American Express Travel at americanexpress.ca/travel (1,000 Membership Rewards points = $10 travel credit).

Air Canada^®* Pay with Points⁴²
A minimum of 10 points is required to redeem using Pay with Points. You can choose to use for the total, or part of your purchase, and have the remaining balance charged to your American Express Card.⁴²

Transfer Points¹³
You can transfer points 1:1 to several frequent flyer and other loyalty programs.

Use a fixed number of points for eligible flights¹⁵
The Fixed Points Travel Program takes the guesswork – and frustration – out of planning, with fixed points amounts for eligible flights, regardless of when you travel‎.

Shop merchandise⁶
Shop great brands for all your household, electronic and style needs, plus so much more. You can redeem points for a wide range of merchandise, either for great gifts, or a reward for yourself.

Shop gift cards⁵
Use your points to redeem for a variety of gift cards such as American Express Prepaid Cards¹⁶, Fairmont Hotels & Resorts¹⁷, The Home Depot¹⁸, Hudson’s Bay¹⁹, Esso and Mobil²⁰ and more.

Amazon Shop with Points⁷
Use as few or as many points you want, up to your total number of available points. You can choose to use points for the total, or part of your order, and have the remaining balance charged to your linked American Express account.

$100 Annual Travel Credit

You have access to a $100 CAD Annual Travel Credit, compliments of your American Express^® Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.²⁹

Priority Pass - Worldwide Airport Lounge Access

Your American Express^® Gold Rewards Card gives you access to more than 1,200 airport lounges around the globe. That means an oasis of comfort before your flight – regardless of your choice of airline or cabin class. Enrollment is required and entry fees apply.³⁸

Plaza Premium Lounge Visits

Gold Rewards Cardmembers can enjoy peace amidst the chaos with four (4) complimentary visits per calendar year for access to Plaza Premium Lounges³⁹ across Canada, regardless of airline or cabin class. Entry fees apply once complimentary visits have been used.³⁹

$50 NEXUS◊ Card Statement Credit

Receive a $50 CAD statement credit when a NEXUS^◊ application or renewal fee is charged to your American Express^® Gold Rewards Card.⁴⁰

The Hotel Collection⁹

When going away means staying closer to home.

For a stylish escape and signature rewards in locations near and far, book The Hotel Collection with American Express Travel. Stay at hotels that have their own persona.

Stay two or more consecutive nights at participating properties and receive the following benefits:

• Up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
• A one-category room upgrade at check-in, when available
• 12pm check-in, when available
• Late check-out, when available

Hertz Car Rental Benefit¹⁰

Enroll into the Hertz Gold Plus Rewards® loyalty program and take advantage of your special Hertz privileges on select vehicles at participating Hertz locations, including:

• One car class upgrade (subject to availability) on rentals of 5 or more consecutive days¹⁰
• Fee-waived for one additional driver¹⁰

Exclusive offers on American Express Travel Online¹¹

• Access to deals on select hotel and car rental bookings
• Take advantage of offers that earn you statement credits on eligible purchases

Due to the global pandemic and travel restrictions, certain trip cancellation/interruption and other travel coverages on your Card may be restricted or unavailable. For more information, please visit: https://www.rsagroup.ca/amexcovid19.

Out of Province/Country Emergency Medical Insurance^21†

Can provide coverage of up to a maximum of $5,000,000 for eligible emergency medical expenses incurred by an insured person under age 65 while travelling outside your Canadian province or territory of residence for the first 15 consecutive days of a covered trip.

Trip Cancellation Insurance^21†

You can be reimbursed for the non-refundable and non-transferable portion of your travel arrangements when charged to your American Express^® Gold Rewards Card before your departure date should you cancel your trip for a covered reason. You can be covered for up to $1,500 per insured person, per trip, up to a maximum of $3,000 for all insured persons combined. 

Trip Interruption Insurance^21†

When you charge your travel arrangements to your American Express^® Gold Rewards Card, this insurance can cover the non-refundable and non-transferable unused portion of your travel arrangements purchased before your departure date, should your trip be interrupted or delayed for a covered reason. You can be covered for up to $1,500 per insured person, per trip, up to a maximum of $6,000 for all insured persons combined.

Flight Delay Insurance^21†

You can receive up to $500 in coverage (aggregate maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses and sundry items purchased within 48 hours when delayed or denied boarding for 4 hours or more and no alternate transportation is made available when you fully charge your airline ticket to your American Express^® Gold Rewards Card.

Baggage Delay Insurance^21†

You can receive up to $500 in coverage (aggregate maximum with Flight Delay Insurance), for reasonable and necessary emergency purchases for essential clothing and sundry items purchased within four days of arrival at your destination when your checked-in baggage on your outbound trip is delayed for 6 or more hours when you fully charge your airline ticket to your American Express^® Gold Rewards Card.

Hotel Burglary Insurance^21†

You can receive up to $500 in coverage against the loss of most personal items (excluding cash) if your accommodation is burglarized when you fully charge your accommodations to your American Express^® Gold Rewards Card.

Lost or Stolen Baggage Insurance^21†

You can be covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined when you fully charge your airline tickets to your American Express^® Gold Rewards Card.

$500,000 Travel Accident Insurance^22†

You can be covered up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your American Express^® Gold Rewards Card.

Car Rental Theft and Damage Insurance^23†

You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your American Express® Gold Rewards Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency.

Travel Emergency Assistance²⁴

Can provide eligible Cardmembers with access to out-of-town worldwide emergency medical assistance services and legal referrals by telephone, 24/7/365.

†: 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.

Front Of The Line^® Amex Presale and Reserved Tickets^TM25

Get access to Front Of The Line^® Amex Presale Tickets^TM25 and Amex Reserved Tickets^TM25 to some of the most in-demand concerts, theatre productions, and special events often before the general public.

Onsite benefits with Amex Experiences^TM

Enjoy Cardmember benefits with Amex Experiences^TM25, like breezing through the front gate at Budweiser Stage²⁶ and sitting back and relaxing in the American Express Lounge.²⁷ Make your night out at a Mirvish Production with express concession service at the Amex Priority Line in the Royal Alexandra Theatre and exclusive Priority Bars in the Princess of Wales and CAA Ed Mirvish Theatres.²⁸

Buyer’s Assurance^® Protection Plan^30†

Your coverage can automatically extend the manufacturer’s original warranty up to one additional year when you fully charge eligible items to your American Express^® Gold Rewards Card.

Purchase Protection^® Plan^21†

You can be insured for eligible items charged to your American Express^® Gold Rewards Card for 90 days from the date of purchase in the event of accidental physical damage or theft for up to $1,000 per occurrence (for all purchased items combined).

†: 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.

24/7 Customer service

Your life doesn’t keep regular office hours, so neither do we. If you want to reach us, there is always someone local to speak with you about whatever you need, big or small. Wherever you are in the world, we're here for you 24/7.

Fraud Protection Guarantee³¹

Use your American Express^® Gold Rewards Card from American Express 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.

Emergency Card Replacement

If your Card or Additional Card gets lost or stolen, no worries. Simply call the number on the back of your Card and we’ll arrange to get you a replacement Card. If you are travelling, we’ll work with your itinerary to get a Card to you as soon as possible. Call 1-800-869-3016. Outside of Canada (please call collect) 905-474-0870. For Corporate Cardmembers, please call 1-800-716-6661, or for outside of Canada (please call collect) 905-474-9329.

American Express SafeKey^®

Shop even more confidently, with an extra layer of protection while shopping online at participating merchants.

Manage your account online

With Online Services from American Express, you can stay on top of your account. Check your balance, get Online-Only statements as soon as they are ready, opt-in for account alerts and more. Log in now. 

The American Express^® App

The American Express® App³² is the easier way to manage your Account from your mobile.

• Register offers to your eligible Card with one click so you get rewarded at the places you like to shop, dine, travel, and more³³
• Get quick access to your Account with Touch ID³⁴, Face ID³⁵ or Fingerprint Login for Android
• Manage your Account, including multiple Card Accounts, and pay your bill³⁶
• Receive notifications for payment reminders, balance updates or when your statement is ready
• Even activate your Card and create your Online Services Account

Amex Offers³⁷

Make everyday purchases more rewarding with offers for dining, shopping, and more that are tailored to you. New offers are always being added, so be sure to check regularly by logging in to Online Services or downloading the Amex App.

American Express Travel Online¹¹

Your American Express^® Gold Rewards Card can help take you places. With deals on select hotel and car rental bookings, plus offers that earn you statement credits on your eligible purchases, you can turn your future travel plans into travel realities.

Your American Express Card has borrowing features that provide payment flexibility. You can also take advantage of certain borrowing offers or options if you are eligible. To learn more about whether these options could be appropriate for you click here.