Terms and Conditions

  1. As a Charge Card, the balance must always be paid in full each month in which no interest charges will apply. The interest free grace period is 28, 29, 30 or 31 days from the closing date of the current statement to the closing date of the next statement depending on the number of days in the calendar month in which the closing date occurs. The number of interest free days varies based on a variety of factors, including when charges are posted to your account, whether your account is in good standing, and the closing date of your statement.
  2. No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including your credit record, account history and personal resources. Proof of resources and security may be required.
  3. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. You must redeem a minimum of 1,000 points per redemption. Redemption rates may vary by Eligible Card. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. If an otherwise Eligible Purchase participates in the American Express Installment Program, only the amount billed each month will be counted as an Eligible Purchase. 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. For full Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-888-721-1046.
  4. You must charge your purchase to an eligible American Express Card enrolled in the Canadian Membership Rewards program. Your American Express Card account(s) must be in good standing. You must have available the minimum number of Membership Rewards points indicated to redeem for this purchase. Your American Express Card account will be charged for that day’s purchase. If you qualify, American Express will debit Membership Rewards points from your program account and issue a credit for the corresponding dollar amount to the Card account charged for your ticket purchase. Credits may not appear during the same billing period as the charge for your ticket purchase. If the points redeemed do not cover the entire amount of the charge for your ticket purchase, the charge for the balance of the purchase will remain on your Card account. Ticket purchases failing to qualify for Membership Rewards point redemption will remain charged to your American Express Card account and are subject to the venue’s and Ticketmaster’s no refund/no exchange policy. Permitted returns of Ticketmaster tickets that result in a credit on your Card account will not automatically result in a credit to your Membership Rewards account. In order to receive a Membership Rewards credit, please call the number on the back of your Card. If you use an eligible American Express Credit Card, please note that a Membership Rewards redemption credit to your Card account is not considered a payment. You must still make a separate payment in accordance with your Cardmember Agreement. If you use a Corporate Card to make a purchase (whether alone or in conjunction with Membership Rewards (“MR”) or Corporate MR points), you agree that you are using the Corporate Card in accordance with your company’s policy.
  5. Membership Rewards points can be redeemed for gift cards, certificates and other merchandise. The gift card or certificate is subject to the Terms and Conditions indicated on the reward. For full Membership Rewards Terms & Conditions, visit membershiprewards.ca or call 1-800-668-2639. Corporate Cardmembers, please call 1-800-716-6661.
  6. In order to redeem points for any travel booking, the Membership Rewards Program account must be active and the Card must be in good standing. Bookings are also subject to American Express Travel Terms and Conditions. To view these please visit americanexpress.ca/termsandconditions.
  7. Points transfer ratios vary by participant and transfers can take up to 5 days. Other terms apply. Visit membershiprewards.ca for details. For full Membership Rewards Program Terms and Conditions, visit membershiprewards.ca or call 1-888-721-1046.

®: Used by Amex Bank of Canada under license from American Express.