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- Earn an Annual Cash Rebate of up to 1%1
- No Annual Fee
- 9.90% on Purchases, including balance transfers, for the first six months of Card membership, provided you pay your minimum monthly payments on time2
- 18.99% regular rate on Purchases and Funds Advances2
- Up to $25,000 Credit Limit3
- $15,000 Minimum Personal Income to Apply
- Non Interest Charges: Funds Advance Fee: $2.75; Dishonoured Cheque Fee: $25.00; Statement Reprint Fee: $3.00 per request; Front Of The Line® Fee: $3.50 per ticket; Overlimit fee: $20.00 if you are over your credit limit at any time during a billing period.
- Transactions in Foreign Currencies: The conversion commission is 2.2%
This card product is currently not available
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1You must qualify annually to receive a rebate. Rebate is calculated on purchases only and is applied as a credit against your account in January. Cash back is not earned on balance transfers. Certain conditions and restrictions apply.
2All rates are expressed as annula rates. See Interest Rates and Fees for which rate applies to charges on your account and other details. Payments are applied to balance transfers after funds advances but before purchases. Please refer to your Cardmember Agreement for full details.
3The credit limit will depend on information received by American Express and will be sent out with the Card.
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Card Rewards |
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Up to 1% cash back annually*. Receive a rebate of up to 1% annually on virtually all your purchases. If you are eligible, your rebate will automatically appear as a credit on your January statement.
*You must qualify annually to receive a rebate. Rebate is calculated on purchases only and is applied as a credit against your account in January. Certain conditions and restrictions apply. |
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Low Interest Rate on Balance Transfers |
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For the first six months of Card membership, enjoy a low 9.90% rate on Purchases, including balance transfers, simply by making your minimum monthly payments on time. The regular rate of 18.99% always applies to purchases and funds advances and also applies to balance transfers when you do not qualify for the balance transfer rate during the first 6 months of Card membership.*
*All rates are expressed as annual rates. Please refer to Interest Rates and Fees for which rate applies to charges on your account and other details. Payments are applied to balance transfers after funds advances but before purchases. Please refer to your Cardmember Agreement for full details. |
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Option to Transfer a Balance |
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Transferring balances from higher interest bank or retail cards to your American Express Credit Card account is an easy way to save money and enjoy the convenience of one easy monthly payment.* To request a balance transfer call 1-800-575-2273.
*For holders of an American Express AIR MILES Credit Card, AIR MILES reward miles are not earned on balance transfers. For holders of an American Express Credit Card with Cash Back, balance transfer transactions are not included in the calculation of annual rebates on eligible accounts. |
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Online Services
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With secure online account access, you'll have better financial control than ever of your Card expenses. Want to see exactly how much you charged at the mall? Need to find out if your vacation charges have posted yet? You can do all of the above (and more), 24 hours-a-day, 7 days-a-week-online.
Register Now for Online Services Start taking greater control of your finances today. |
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Free Supplementary Cards |
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Share many of the advantages of Card membership with someone close to you (provided they have reached the age of majority).There is no annual fee for supplementary card. |
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You Can Get Cash Fast With a Funds Advance |
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If approved by us, you can access the cash you need at any of the more than 40,000 Interac®* automated banking machines across Canada, or at any of the automated banking machines around the world bearing the American Express logo. If approved by us your personal identification number (PIN) will be released to you by mail. Please note that only the Basic Cardmember is eligible for cash access.
®*Trademark of Interac Inc. Amex Bank of Canada authorized user of the Trade Mark.
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Make regular bill payments using your Card |
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Managing your finances is easier than ever when you use your American Express Card to pay your regular bills. Set up your American Express Card as your method of payment and pay your bills.It's easy to set up and helps to ensure that your bills are paid on time, every time*. To start making your life easier, click here to learn more about Regular Bill Payment.
* Providing you keep your account in good standing and provide up to date information with your merchant providers.
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Front Of The Line® Entertainment |
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Preferential ticket access to some of the most sought after theatre shows, concerts and sporting events across Canada. With Front of the Line, you have access to tickets* before they go on sale to the public, as well as access to a block of great seats* reserved exclusively for Cardmembers during the
public sale period.
Visit Front Of The Line Entertainment for upcoming events and subscribe to
** to get the hottest event listings sent directly to your inbox.
* $3.50 Front Of The Line service charge per ticket. All other regular service charges apply. Subject to availability. Tickets are for select performances across Canada.
** The information you provide will only be used for the purpose of providing Front Of The Line e-Updates.
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24/7 Customer Service |
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If you have a question, comment or concern, simply call 1-800-668-2639 anytime and we'd be happy to help. For service outside of North America, please call collect at (905)474-9380. |
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Convenient Payment Options |
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Here are easy ways to pay your American Express Card bill:
- Internet Banking
- Telephone Banking
- Pre-Authorized Payment
You can also pay by mailing a cheque in the self-addressed envelope enclosed with your statement, in person at your local bank branch or at an automated banking machine.
Fees may apply and processing times may vary by the payment option you wish to use. Services may also vary by financial institution. Payments will be credited upon receipt by Amex Bank of Canada. |
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Emergency Card Replacement |
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In the event of a lost or stolen Card, call us and we will make arrangements to get a replacement Card to you. |
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American Express Travel Service Locations |
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American Express has over 2,200* Travel Service locations in over 140 Countries and Territories worldwide to offer assistance while you're travelling. In Canada, call 1-888-414-TRIP (8747) for the Travel Services location nearest you.
* Comprises Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and are subject to local laws and cash availability. In Canada, American Express Travel Services locations are independently owned and operated. |
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American Express Assured Reservations |
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Regardless of how late you arrive, your room will be waiting for you. Your room will be held until check-out time the day following your scheduled arrival or comparable accommodation will be provided at no charge. When making reservations at participating hotels or motels, request an American Express Assured Reservation and be sure to ask for a confirmation number. To cancel an Assured Reservation, call the hotel or motel before the time specified by the property to avoid being billed for the first night's stay. Be sure to obtain and keep your cancellation number. |
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Travel Accident Insurance †* |
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Automatic coverage of up to $100,000 worth of Accidental Death and Dismemberment insurance when you charge your common carrier (plane, train, ship or bus) tickets to your Card. Use the Card to book tickets for your spouse, dependant children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependant children (under 23) of Supplementary Cardmembers are also covered.
*Travel Accident Insurance is underwritten by AMEX Assurance Company, Head Office in Canada: Toronto, Ontario under Master Policy AX113.
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American Express Balance Payment Insurance †* |
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Ensures monthly payments are made to your account if you involuntarily lose your job or become disabled. Payments are based on the amount owing on your account at the time you became unemployed or disabled. Payments will continue until 24 consecutive payments are made or you return to work or are no longer disabled or the outstanding balance is paid, or the maximum of $10,000 has been paid. Should you die or become dismembered, this coverage would pay off the total outstanding balance of your account up to a maximum of $10,000. Once you enroll, a charge of $0.89 per $100 outstanding balance will be conveniently billed to your account for this coverage. You will also receive a Certificate of Insurance which will contain complete details of the coverage.
*Underwritten by American Bankers Life Assurance Company of Florida and by American Bankers Insurance Company of Florida. |
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AMEX® Global Assist® †* |
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AMEX® Global Assist® Travel Medical Insurance picks up where your provincial health care plan leaves off for your out-of-province hospital and medical expenses. Comprehensive travel medical protection including unlimited emergency excess hospital and medical insurance, 24-hour world-wide emergency assistance, plus much more. Cardmember must be under the age of 75 to enroll.
For more information or to enrol call Amex Global Assist at 1-866-292-5234.
*Global Assist Travel Medical Insurance is underwritten by RBC Travel Insurance Company. |
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AMEX® InfoAssist |
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Your credit cards and personal documents are precious. Protect them with the AMEX® InfoAssist service. It's like a virtual vault where you can record the numbers of your credit cards, bank cards, passports, birth certificates, licenses, health cards, insurance policies, and more. If your wallet is lost or stolen whether you are home or abroad, call an AMEX® InfoAssist representative immediately and he/she will notify your registered card issuers and ask them to block the cards from fraudulent use and request replacement cards wherever possible. For more information or to enroll call 1-800-263-9222.
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Automatic Flight Insurance †* |
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Once enrolled with Automatic Flight Insurance, receive up to $1,500,000 of Accidental Death and Dismemberment insurance every time you fly and charge your scheduled airline ticket to your enrolled Card account. You only pay the premium when you charge a scheduled airline ticket of a Covered Person to your enrolled account. If travelling with a Covered Person, charge tickets separately from your own and each will also be covered for the full benefit amount.
For more information or to enrol call American Express at 1-800-231-8989.
*Automatic Flight Insurance is underwritten by AMEX Assurance Company, Head Office in Canada: Toronto, Ontario under Master Policy AX114.
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