Reward earning
2 points per $1 on eligible travel and Canadian gas, groceries and drugstores
Current offer: Jusqu’à 60 000 points Membership Rewards Conditions apply.
- Frais annuels
- 250,00 $
- First-year bonus value
- 600 $
- Récompenses annuelles nettes
- 31 $
- Valeur la première année
- 631 $
Based on typical spending of $2,000/month, after the annual fee. See the breakdown
0 of 3 selected
Détails de la carte
Frais annuels
Main card: 250,00 $
Additional cards: 50,00 $
Interest rates
Purchases: 21,99 %
Cash advances: 21,99 %
Prime de bienvenue
Jusqu’à 60 000 points Membership Rewards
5,000 points for each monthly billing period with $1,000 in purchases during the first year. New Cardmembers only.
Annual income
No minimum published
Foreign transactions
Fee: À confirmer auprès de l’émetteur
Type de carte
American Express · Voyages
Récompenses
Program: Membership Rewards
Émetteur
American Express
L’approbation relève de l’émetteur.
How you earn rewards
- 2 points per $1 on eligible travel and Canadian gas, groceries and drugstores
- 1 point per $1 on other purchases
What is this card worth to you?
Estimated first-year value
631,00 $
net annual rewards + welcome bonus
- Récompenses annuelles nettes
- 31,00 $
- Prime de bienvenue
- 600,00 $
Rewards in a typical year, after the annual fee
One-time, if you meet the offer’s spending requirement
Annual rewards breakdown
| Rewards earned in a year | 281,00 $ |
|---|---|
| Frais annuels | − $250.00 |
| Récompenses annuelles nettes | 31,00 $ |
Frais annuelsA category-by-category split isn’t available for this card yet.
Use your own spending
Needs your input
Complete spending details. Complete spending details to calculate your rewards.
View illustrative rewards
Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.
Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.
- Illustrative annual rewards
- 281,40 $
- Frais annuels habituels
- 250,00 $
- Illustrative net ongoing value
- 31,00 $
Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation
Complete these assumptions to calculate your value:
- Confirm whether your spending mix is typical throughout one complete rewards year.
- Confirm whether this profile includes all purchases for this account, including additional cardholders.
- Enter monthly Confirmed eligible grocery purchases. This is part of your existing spending.
- Enter monthly Confirmed eligible gas purchases. This is part of your existing spending.
- Enter monthly Confirmed eligible drugstore purchases. This is part of your existing spending.
- Enter monthly Confirmed eligible travel purchases. This is part of your existing spending.
- Enter monthly Eligible Amex Travel hotel/car bookings, excluding Hotel Collection. This is part of your existing spending.
$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.
Calculation assumptions for this card
Annual estimate assumptions for American Express Gold Rewards
Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.
Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.
Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.
Monthly spending details
Review your monthly spending. Apply changes to update your profile across WalletReturn.
Earning rates, caps and redemption options
- First-year bonus
- 600,00 $
- Récompenses annuelles nettes
- 31,00 $
- Valeur la première année
- 631,00 $
Redemption methods
- Membership Rewards purchase statement credit1¢ per point
Fonctionnement
Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.
Official methodology (opens new tab)
| Spending category | Earning rate | Restrictions & Spending cap | Annual earning |
|---|---|---|---|
| grocery purchases | 2 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned Membership Rewards points: 6,000 pts Not included in the value |
| gas purchases | 2 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned Membership Rewards points: 1,800 pts Not included in the value |
| drugstore purchases | 2 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned Membership Rewards points: 480 pts Not included in the value |
| travel purchases | 2 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned Membership Rewards points: 0 pts Not included in the value |
| Amex Travel hotel/car bookings, excluding Hotel Collection | 3 pts per $1 | See rulesConfirm the earning rules in the full calculation ledger | Annual earned Membership Rewards points: 0 pts Not included in the value |
| Other & non-bonus-eligible purchases | 1 pt per $1 | Base rate on residual purchases; merchant bonus eligibility not assumed | Annual earned Membership Rewards points: 19,860 pts Not included in the value |
Full base-rate purchase details (10 categories)
| Residual purchases | Base rate | Annual purchases | Annual earning |
|---|---|---|---|
| groceries | 1 pts per $1 | 3 000,00 $ | 3,000 pts |
| dining | 1 pts per $1 | 2 400,00 $ | 2,400 pts |
| gas | 1 pts per $1 | 900,00 $ | 900 pts |
| transit | 1 pts per $1 | 960,00 $ | 960 pts |
| travel | 1 pts per $1 | 1 200,00 $ | 1,200 pts |
| recurring bills | 1 pts per $1 | 2 400,00 $ | 2,400 pts |
| entertainment | 1 pts per $1 | 1 200,00 $ | 1,200 pts |
| drugstore | 1 pts per $1 | 240,00 $ | 240 pts |
| online shopping | 1 pts per $1 | 3 600,00 $ | 3,600 pts |
| other | 1 pts per $1 | 3 960,00 $ | 3,960 pts |
Offre de bienvenue
Check the issuer for current offer terms. Year 1: Current welcome awards use monthly BILLING periods, not calendar months; last-period points can post eight weeks later. Exact billing-window eligibility and first-year credited-value timing require separate engine authority.Assumptions, restrictions & sources
Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.
Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.
Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.
Published earning schedule
- 2 points per $1 on eligible travel and Canadian gas, groceries and drugstores; 1 on other purchases.
Restrictions, caps & redemption
- First additional Gold Rewards card has no annual fee; subsequent additional cards are $50 each.
- Eligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced.
Regular annual fee: $250.00. The value ledger deducts applicable fees separately.
Total annual estimated reward value: $281.40.
Year 1 estimate unavailable. Current welcome awards use monthly BILLING periods, not calendar months; last-period points can post eight weeks later. Exact billing-window eligibility and first-year credited-value timing require separate engine authority.
Membership Rewards eligible purchase statement credit: 1 cents per Membership Rewards points. Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.
Appendix2 consumer UsePointsforPurchases:1000points/CAD10, minimum1000points; eligible posted purchases within12months and active goodstanding account. Credit does not pay minimum payment, no cash withdrawal. Speculative airline transfer or flight-grid values excluded.
Issuer category definitions, earning limits and restrictions apply.
Insurance & benefits
- Travel medical: included
- Trip cancellation: included
- Trip interruption: included
- Flight delay: included
- Baggage: included
- Rental car: included
- Travel accident: not included
- Hotel burglary: included
- Mobile device: not included
- Protection des achats: included
- Garantie prolongée: included
9 insurance1 benefit
Emergency medical insurance15 days, up to $5,000,000
Up to $5,000,000 per insured person / trip
First 15 days; age 64 or younger, departure and return days included
Canadian residence and government health insurance required; travel outside home province. Pre-existing conditions must meet 90-day stability requirement. Contact assistance before treatment; eligible cardmember/spouse/dependent rules and exclusions apply.
Issuer terms (opens new tab)Not counted in this estimate
Trip cancellation insurance1 500 $
Up to $1500 per insured person / trip; maximum $3000 combined
Before departure for an insured cancellation event; certificate effective dates apply
Canadian resident eligible cardmember, spouse or dependent child; account active and in good standing. Covered causes, pre-existing-condition and other-insurance exclusions apply. Trip-payment requirements vary by coverage and must be confirmed in the linked certificate; claim documents and deadlines apply.
Issuer terms (opens new tab)Not counted in this estimate
Trip interruption / delay insurance1 500 $
Up to $1500 per insured person / trip; maximum $6,000 combined
Covered trip interruption or delay; certificate applies
Canadian resident eligible cardmember, spouse or dependent child; account active and in good standing. Covered causes, pre-existing-condition and other-insurance exclusions apply. Trip-payment requirements vary by coverage and must be confirmed in the linked certificate; claim documents and deadlines apply.
Issuer terms (opens new tab)Not counted in this estimate
Flight / baggage delay insurance500 $
Combined maximum $500 per occurrence for all insured persons
Flight delayed at least 4 hours; baggage at least 6 hours
Canadian resident eligible cardmember, spouse or dependent child; account active and in good standing. Covered causes, pre-existing-condition and other-insurance exclusions apply. Trip-payment requirements vary by coverage and must be confirmed in the linked certificate; claim documents and deadlines apply. No alternative transportation expenses; baggage delay on return home excluded.
Issuer terms (opens new tab)Not counted in this estimate
Hotel burglary insurance500 $
Maximum $500 per occurrence for all insured persons
While registered as accommodation guest; covered burglary
Canadian resident eligible cardmember, spouse or dependent child; account active and in good standing. Covered causes, pre-existing-condition and other-insurance exclusions apply. Trip-payment requirements vary by coverage and must be confirmed in the linked certificate; claim documents and deadlines apply. Evidence of break-in required; illegal activity and fraud excluded.
Issuer terms (opens new tab)Not counted in this estimate
Lost / stolen baggage insurance500 $
$500 per occurrence for all insured persons
Covered checked or carry-on baggage loss, damage or theft
Canadian resident eligible cardmember, spouse or dependent child; account active and in good standing. Covered causes, pre-existing-condition and other-insurance exclusions apply. Trip-payment requirements vary by coverage and must be confirmed in the linked certificate; claim documents and deadlines apply. Cash, negotiable items, important documents, fragile goods and listed exclusions excluded.
Issuer terms (opens new tab)Not counted in this estimate
Rental car theft / damage insurance85 000 $
Eligible vehicle MSRP up to $85,000; certificate determines insured loss
Maximum 48 consecutive days
Eligible rental vehicle and card-payment conditions required; decline rental-agency collision waiver where certificate requires. This is not third-party liability coverage. Vehicle exclusions and claim evidence apply.
Issuer terms (opens new tab)Not counted in this estimate
Garantie prolongée10 000 $
$10,000 per item; $25,000 per cardmember / policy year
Doubles manufacturer warranty; up to 1 additional year
Eligible new personal items and card-payment requirements; manufacturer warranty and exclusions apply. Repairs/replacement require insurer approval; account good standing and claim evidence required.
Issuer terms (opens new tab)Not counted in this estimate
Protection des achats1 000 $
$1,000 per cardmember / occurrence
90 days from purchase
Eligible new personal goods and card-payment requirements; theft/damage only as defined. Other insurance, exclusions and insurer repair approval apply; claim documents required.
Issuer terms (opens new tab)Not counted in this estimate
Garantie prolongée
Protection des achats$100 annual travel credit and airport lounge accessInclus
Issuer terms (opens new tab)Not counted in this estimate
Pros & cons
Pros
- Welcome bonus worth about $600
- 2 points per $1 on eligible travel and Canadian gas, groceries and drugstores
- 9 types of insurance included
- Earns Membership Rewards points
Cons
- $250 annual fee
- Bonus categories have spending caps
- Amex isn’t accepted everywhere
Sources & legal
Things to consider
- Amex acceptance varies by merchant.
- Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.
Last verified: October 10, 2026.
What’s not included
Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.
WalletReturn is an independent comparison site, not the card issuer. Values are estimates.
Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.
Verify the issuer’s current product terms before applying.
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