American Express® Gold Rewards Card
on American Express Canada's website
Pros & Cons
Pros
- +Welcome Bonus: 60,000 points
- +Airport lounge access
- +Purchase protection included
Cons
- –High annual fee ($250/yr)
- –Foreign Transaction Fee (2.5%)
Our Review
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of
- 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).
You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :
- 60,000 Aeroplan points
- 60,000 Avios
- 60,000 Flying Blue Miles
- 72,000 Marriott Bonvoy points
With this Card, you get many benefits like:
- $100 annual travel credit
- Priority Pass membership and 4 complimentary Plaza Premium visits per year
- $50 NEXUS credit
You earn 2 points per dollar for travel purchases, and at:
- gas stations
- grocery stores
- drugstores
And 1 point per dollar everywhere else.
Like all American Express Canada Cards, there is no minimum income requirement.
Rewards
All Spending
1x
Amex Membership Rewards pts per dollar
Pharmacy
2x
Gas
2x
Travel
2x
Groceries
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
43,200
Amex Membership Rewards/yr
Estimated Value
$734
After Fees
+$484
1st Year Value
$1,504
incl. welcome bonus
Annual rewards breakdown
- Earn 60,000 Amex Membership Rewards after $12,000 in purchases in 12 months
- $100 annual credit (year 2)
Travel Insurance
Travel Medical
Up to $5,000,000 / 15 days
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Flight Delay
Up to $500
Hotel Burglary
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $85,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance21.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Airport Lounge
4 visits/year
NEXUS Credit
—
Annual Statement Credit
$100/year
Terms & Conditions
Card Features
Earn up to 60,000 Membership Rewards® points:
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Card features
- Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
- Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
- The Card is now available in your choice of Gold or Rose Gold metal options
- Receive a C$50 statement credit when you charge your American Express Gold Rewards Card for NEXUS membership or renewal fees
- You have access to an annual $100 CAD 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
- As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
- Enjoy four (4) free visits per calendar year to Plaza Premium lounges in Canada. Entry fees apply once complimentary visits have been used
- Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
- Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
- When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
- Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
- A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
- Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Legal
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