About American Express® Gold Rewards Card

An American Express® Gold Rewards Card is a credit card with reward-earning opportunities and extensive insurance coverage included. In addition, it provides access to exclusive offers with American Express.

American Express® Gold Rewards Card features

An American Express® Gold Rewards Card features a 20.99% interest rate on purchases and 21.99% on funds advances. 

The annual fee for this credit card is $250 for the primary cardholder, $0 for the first additional cardholder, and $50 for each subsequent additional cardholder.

For meeting the spending requirements with your American Express® Gold Rewards Card in the first three months, you can earn 40,000 Bonus Membership Rewards® points. 

For every $1 spent on gas, drugstore, grocery, or travel purchases, you will earn 2 Membership Rewards points. All other eligible purchases will bring you 1 Membership Rewards point for every $1 spent.

Hotel and car rental bookings made through the American Express Travel website will bring you 1 additional Membership Rewards point for every $1 spent.

You can also earn a bonus Membership Rewards points for referring a friend, up to a maximum annual bonus of 112,500 Membership Rewards points for approved referrals.

The redemption opportunities for your Membership Rewards® points are:

• Making a statement credit towards eligible purchases 

• Booking travels through American Express Travel Online

• Booking flights through AirCanada.com 

• Buying merchandise and gift cards through membershiprewards.ca

• Paying for Amazon.ca purchases

• Transferring points to other frequent flier or loyalty programs

Along with rewards, you can get the following travel benefits:

• A $100 CAD Annual Travel Credit to use at the time of travel booking through American Express Travel Online at americanexpress.ca/travel

• Priority PassTM providing access to airport lounges around the globe

• Four complimentary visits per year for access to Plaza Premium Lounges across Canada

• A $50 CAD NEXUS statement credit to apply toward an application or renewal fee 

• Up to $100 USD hotel credit to use on amenities and room upgrades

• Hertz Car Rental Benefits including one car class upgrade on at least 5-day rentals and a fee-waived for one additional driver

• American Express® Experiences providing access to presale and reserved tickets to a variety of events plus various onsite benefits

• American Express Travel Online deals and offers on select hotel and car rental bookings

• Amex Offers providing additional rewards for your everyday purchases

An American Express® Gold Rewards Card qualifies for The American Express® Installment Program or Plan It™. 

Insurance coverages included in an American Express® Gold Rewards Card are out-of-province or country emergency medical insurance, trip cancellation insurance, trip interruption insurance, flight delay insurance, baggage delay insurance, hotel burglary insurance, lost or stolen baggage insurance, travel accident insurance, car rental theft and damage insurance, Buyer’s Assurance® Protection Plan, and Purchase Protection® Plan.

An American Express® Gold Rewards Card is available in two colors — gold and rose gold.

Pros and cons

Here are the definite advantages of an American Express® Gold Rewards Card:

• Free issuance of the first additional card

• A variety of reward-earning and redemption opportunities 

• The referral program rewarding you for approved referrals

• Exclusive privileges from American Express

• Extensive insurance coverage 

• Eligibility for Plan It™ 

• 24/7 customer service 

• Credit card protection capabilities

Still, there are certain disadvantages to be aware of: 

• A $250 annual fee

• Limits on the maximum referral bonus you can receive for referring a friend 

• Minimum points per redemption requirements

• The lack of mobile device insurance

How to apply for an American Express® Gold Rewards Card

You can apply for an American Express® Gold Rewards Card online — hit the “Apply Now” button and fill out the form with the following details:

• Your first name

• Your middle name

• Your last name

• Your name on the card

• Your email

• Your date of birth

• Your postal code

• Your social insurance number (optional)

• Your phone number

• Your address

• Your personal annual income

• Your other household income

• Your employment status

• Your employer name

• Your work phone number

During the application, you will need to create a PIN and specify whether you want to receive Online-Only Statements, order supplementary cards, or add AMEX® Account Protector Ultimate.

Then, review your applicant information, agree to the terms and conditions, and click the “SUBMIT” button.