Recurring bill
payments? Recurring rewards.

1. 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 
   
   
2. For SimplyCash Card from American Express: You can earn 2% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $15,000 in purchases posted to your account on this category (equal to $300 cash back) annually. Once the maximum is reached, you will no longer earn 2% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 1.25% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.
   
   
3.  For SimplyCash Preferred Card: You can earn 4% cash back for eligible purchases at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada, and (ii) at stand-alone grocery stores in Canada, up to a maximum of $30,000 in purchases posted to your account on this category (equal to $1,200 cash back) annually. Once the maximum is reached, you will no longer earn 4% regardless of credits, returns and adjustments subsequently posted to your account. After that, you will then earn 2% on eligible purchases. Calculation resets to zero each year on the Cardmembership anniversary date. Purchases at merchants where gas and grocery are not their primary business (including superstores, wholesale clubs, alcohol retailers and general merchandise retailers) do not qualify for these categories.
   
   
4. For American Express Aeroplan Card: You can earn Aeroplan® points (“points”) for eligible consumer purchases at American Express retail merchants as follows: Earn 2 points for every $1 of eligible purchases made directly with Air Canada®. Earn 1.5 points for every $1 of eligible purchases at restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, and delivery of food in Canada as a primary business, but not including groceries. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. 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. 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 Aeroplan points
   Learn more at aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html
   
   
5. For American Express Aeroplan Reserve Card: You can earn Aeroplan® points (“points”) for eligible consumer purchases at American Express retail merchants as follows: Earn 3 points for every $1 of eligible purchases made directly with Air Canada®. Earn 2 points for every $1 at restaurant, quick service restaurant, coffee shop, and drinking establishments in Canada, and delivery of food in Canada as a primary business, but not including groceries. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. Earn rate of 1.25 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. 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 Aeroplan points.
   Learn more at aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html
   
   
6. For American Express Aeroplan Business Reserve Card: You can earn Aeroplan® points (“points”) for eligible business purchases at American Express retail merchants as follows: Earn 3 points for every $1 of eligible purchases made directly with Air Canada®. Earn 2 points for every $1 of eligible hotel or car rental purchases. Eligible Air Canada purchases means only those purchases made directly with Air Canada as the merchant, including Air Canada Vacations packages purchased directly from Air Canada. Air Canada purchases using your card at another merchant or service provider that sells Air Canada goods or services would not be an eligible Air Canada purchase, such as purchasing (i) Air Canada tickets from an online website other than Air Canada, through a travel agent including American Express Travel Services, or as part of a vacation package from another merchant, (ii) Air Canada gift cards, (iii) Air Canada Maple Leaf Club memberships or (iv) if you make a purchase through Air Canada with another merchant such as a hotel or car rental booking on the aircanada.com website. Eligible hotel and car rental purchases are purchases at American Express merchants whose primary business is hotel and lodging or car rental as categorized on American Express Systems. Eligible purchases are bookings made directly with the car rental or hotel as the merchant and paid for with your Card. Purchases made through American Express Travel Services are also eligible. Purchases made through Air Canada, Air Canada Vacations, travel agencies (other than American Express Travel Services), tour operators, and online travel sites are not eligible. Earn rate of 1.25 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. 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 Aeroplan points.Learn more at aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html.
   
   
7. For Marriott Bonvoy American Express Card: Points on your Marriott Bonvoy Account will not expire as long as there are qualifying activities on the Account. Points will expire if your Account does not have a qualifying activity for 24 consecutive months. The annual fee does not count toward a qualifying activity. Subject to the terms and conditions of the Marriott Bonvoy program. Visit https://help.marriott.com/s/article/Article-22242 for details.
   Account must be in good standing. You will earn five (5) Marriott Bonvoy points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Marriott Bonvoy American Express Card when charged directly with participating Marriott Bonvoy properties, standalone Marriott Bonvoy retail establishments, and Marriott branded online stores (including online purchases of Marriott Bonvoy gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are typically assigned codes and categorized based on what they sell. Earn rate of two (2) points 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. Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for points.
   
   
8. For Marriott Bonvoy Business American Express Card: Points on your Marriott Bonvoy Account will not expire as long as there are qualifying activities on the Account. Points will expire if your Account does not have a qualifying activity for 24 consecutive months. The annual fee does not count toward a qualifying activity. Subject to the terms and conditions of the Marriott Bonvoy program. Visit https://help.marriott.com/s/article/Article-22242 for details.
   Account must be in good standing. You will earn five (5) Marriott Bonvoy points from American Express for every $1 of eligible purchases (less credits and returns) charged on your Marriott Bonvoy Business American Express Card when charged directly with participating Marriott Bonvoy properties, standalone Marriott Bonvoy retail establishments, and Marriott Bonvoy online stores (including online purchases of Marriott Bonvoy gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You can earn three (3) points for every $1 in eligible purchases charged on your Marriott Bonvoy Business American Express Card at American Express retail merchants as follows: (i) at stand-alone automobile gasoline stations in Canada; (ii) restaurants, quick service restaurants, coffee shops and drinking establishments in Canada; and (iii) for travel services or travel bookings including air, water, rail and road transport, but not including local and commuter transportation. Purchases at merchants where travel sales are not their primary business (including 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 two (2) points 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. Points will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, balance transfers, Amex cheques, annual fees (if applicable), other fees, and charges for travelers cheques and foreign currencies are not purchases and do not qualify for points.
   
   
9. For American Express Cobalt Card: 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 $2,500 in net purchases posted to your account monthly 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 on the 1st of each month. 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.
   
   
10. For American Express Gold Rewards Card: 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.
    
    
11. For The Platinum Card: You can earn Membership Rewards points (“points”) for eligible consumer purchases at American Express retail merchants as follows: 2 points for every $1 at or for restaurants, quick service restaurants, coffee shops, drinking establishments, and delivery of food in Canada as a primary business, but not including groceries; and 2 points for every $1 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 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. 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.
    
    
12. For American Express Green Card: You can earn Membership Rewards points for eligible consumer purchases at American Express retail merchants as follows: 1 point for every $1 in eligible purchases charged to your Card. Provided your account is in good standing, points can be earned on eligible purchases less returns and other credits. Interest charges, fees, and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
    
    
13. For Business Platinum Card from American Express: 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, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points.
    
    
14. For American Express Business Edge Card: You can earn Membership Rewards points for eligible purchases at American Express retail merchants as follows: Earn 10 points for every $1 at or for (i) office supply retailers whose primary business is the sale of office supplies in Canada, (ii) electronic goods retailers whose primary business is the sale of electronics in Canada, (iii) stand-alone automobile gasoline stations in Canada, (iv) local commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services, (v) restaurant, quick service restaurant, coffee shop and drinking establishments in Canada, and (vi) delivery of food in Canada as a primary business, but not including groceries, up to a combined maximum of 10,000 Membership Rewards points in the first six (6) months of Cardmembership. Once the maximum is reached or after first 6 months of Cardmembership, whichever comes first, you will no longer earn at 10 points for every $1 regardless of any deductions of points for credits, returns and adjustments. Rather, you will continue to earn at the standard 3 points for every $1 up to a maximum of 75,000 Membership Rewards points earned on net purchases posted to your account annually on these categories. Once the maximum is reached, you will no longer earn at 3 points for every $1 regardless of any deductions of points for credits, returns and adjustments. Earn 1 point for every $1 thereafter. 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. Provided your account is in good standing, points can be earned on eligible 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.
    
    
15. For American Express Business Gold Rewards Card: Account must be in good standing. Membership Rewards points (points) earned by the Basic Cardmember on all 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. A minimum purchase of $0.50 is required to earn points. Earn one (1) point for every $1.00 in eligible purchases charged to your card.
    
    
16. At participating American Express contactless merchants. Retailer contactless limits may apply. Please check before paying. 
    
    
17. Rewards not available on all Cards. Rewards vary by Card product. Conditions apply. 
    
    
18. We will guarantee protection against fraudulent payments on your Card, provided you have taken reasonable care to protect your account details, PIN and any device on which you have added your account information, and notify us immediately, and you have complied with your Card Terms and Conditions.

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