TERMS AND CONDITIONS

* As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

1. Up to 30,000 Welcome Bonus Points: For current or former American Express Cobalt Cardmembers, we may approve your application, but you will not be eligible for the Membership Rewards points offers available in the first 12 months of Cardmembership. Offer subject to change. To qualify, you must have at least $500 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14th (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month’s billing period. If the Aug 15 to Sept 14 period was your 12th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Account must be in good standing. Please allow up to ten weeks for your bonus points 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.



Additional 10,000 Bonus Points: For current or former American Express Cobalt Cardmembers, we may approve your application, but you will not be eligible for the Additional Bonus Points. Offer valid for applications received by American Express through the link provided on this webpage. To qualify for the Additional Bonus Points you must have at least $3,000 in net purchases posted to your account in your first 3 months of Cardmembership. Account must be in good standing. Please allow up to ten weeks for your bonus points to be awarded.

2. 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 $30,000 in net purchases posted to your account annually 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 each year on the Cardmembership anniversary date. 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.

3. This offer is only available to new American Express® Gold Cardmembers. Some offers are only available for a limited time. Refer to offer communication for offer deadline, if applicable. Offer only valid for applications received online through the link provided in select communications from American Express, with the use of a specific promotion code. American Express reserves the right to accept applications after the applicable deadline date, but you will not be eligible for this offer.



Welcome Bonus: For current or former American Express® Gold Rewards Cardmembers, we may approve your application, but you will not be eligible for the welcome bonus. Offer subject to change. Account must be in good standing. To qualify for the 15,000 bonus Membership Rewards points, you must have at least $1,500 in net purchases posted to your account in your first 3 months of Card Membership. Please allow up to ten 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.



Up to 15,000 Additional Bonus Points: For current or former American Express Gold Rewards Cardmembers, we may approve your application, but you will not be eligible for the Membership Rewards points offers available in the first 6 months of Cardmembership. Offer subject to change. To qualify, you must have at least $1,000 in net purchases posted to your account by the last day of each billing period. Purchases made during a billing period but posted after the end of that billing period may not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next billing period. For example, if your monthly billing period is from Aug 15 to Sept 14, a purchase made on Sept 14th (transaction date) and posts on Sept 15th (posting date) may not count for eligible spend for that month. In this case, that purchase will count towards spend in the next month's billing period. If the Aug 15 to Sept 14 period was your 6th monthly billing period, then the purchase made on Sept 14 and posting on Sept 15 would not count toward this offer. Account must be in good standing. Please allow up to ten weeks for your bonus points to be awarded.



Annual Renewal Bonus: This offer is only available to new American Express® Gold Rewards Cardmembers. Offer subject to change without notice. Basic Cardmember is entitled to 2,500 Membership Rewards points each year based on Cardmembership anniversary date. Account must be in good standing. Please allow up to 10 weeks for the bonus to be awarded.