American Express Gold Rewards Card® Review

Item: American Express Gold Rewards Card®
Rating: 4.3
Author: Sara Skodak

The American Express Gold Rewards Card is perfect for people who like to take trips a few times a year, and those who want to take advantage of some luxurious travel perks along the way.

Mar 18, 2026 3:42 PM

Written By

Sara Skodak

Lead Writer

The Bottom Line

The American Express Gold Rewards Card is a great choice for average everyday spenders who also like to partake in some premium travel benefits on their yearly trips. While you could tack on more perks at a higher annual cost, the premium travel benefits for this card are extremely promising relative to its annual fee.

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American Express Gold Rewards Card®

4.3

Finly Rating

APPLY NOW

on American Express' website

Welcome Bonus

Earn up to 60,000 Membership Rewards® points

Rewards Rate

1x - 2x

Points

Annual Fee

$250

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Get your free credit score

Card Details

Rewards

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combined
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Plaza Premium
4 Free complimentary visits
Complimentary Hotel Benefits
Hotels booked American Express Travel
Status lift
Hertz Gold Plus Rewards® loyalty program
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

^**Terms and conditions apply. 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. American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.

Welcome Bonus Details

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 Details

Interest Rates

Purchase APR

21.99%*

Cash Advance APR

21.99%*

^* 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.

Fees

Annual Fee

$250

Additional Cards

1st free, $50 thereafter

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

American Express Membership Rewards

Pros & Cons

Pros

Flexible rewards
Travel perks
Comprehensive insurance
Multiple redemption options
Instant decision. No credit impact.

Cons

High annual fee
Foreign transaction fees
Limited senior travel insurance
Limited acceptance

Our Detailed Review

How You Earn Rewards With The American Express Gold Rewards Card

Here’s how you can earn rewards with the American Express Gold Rewards Card:

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

As you can see, this card offers standard points on popular high-spend categories like gas and groceries, plus similar rates on travel expenses. Ultimately, the focus of this credit is not the rewards program, but the perks.

Redeeming Your Rewards With The American Express Gold Rewards Card

Now that we’ve covered how you earn rewards with the American Express Gold Rewards Card, let’s go over how you can redeem those rewards.

Here are the top redemption categories for your American Express Membership Rewards through this card, ranked from best to least value:

Transfer to Airline Partners: for when you choose to transfer your points to a partnered airline to purchase plane tickets.
Fixed Point Travel Program: when you use a fixed amount of points to cover the base ticket cost of eligible flights (applicable up to the maximum base ticket price).
Transfer to Hotel Partners: refers to transfers made to hotel partners like Marriott Bonvoy for hotel bookings.
Statements Credits: for when you want to turn your points into cash towards your credit card statement balance.
Gift Cards: when points become the perfect present, used to purchase eligible gift cards.
Amazon: when you redeem your points towards Amazon.ca purchases.
Merchandise: using your points to purchase everyday items.

Since the top three redemption categories refer to airline partner transfers, a fixed point travel program, and transfers to hotel partners, it's safe to say that this card is its most valuable when used towards upcoming trips.

Benefits and Perks

11 Benefits of The American Express Gold Rewards Card

Here are some of the standout perks of the American Express Gold Rewards Card:

✅ Pre-Approval Without Impact

With American Express' personal cards, you can see if you will be approved before you apply, without impacting your credit score. To make this decision, Amex runs a soft credit check instead of a hard credit check.

Most lenders perform a hard credit check when you apply for a new card, which can temporarily impact your credit score. A soft credit check, however, does not affect your credit score.

Instant decisions are only available for personal card applications and the soft credit check process is not available for applications done by phone.

✅ A Beneficial Welcome Bonus

More than beneficial, this welcome bonus is one of the biggest you’ll see for average spenders. Offering extra American Express Membership Reward points on every monthly billing period when you spend $1000 in purchases in the first year.

✅ No Income Requirements

Like many American Express cards, the American Express Gold Rewards Card comes with no income requirements. This makes the card more accessible to multiple applicants, as long as they meet the credit score recommendation and are able to front the annual fee.

✅ Comprehensive Travel Insurance

Another aspect of this card that makes it travel-friendly is its extensive insurance. The card features 11 types of coverage, and most categories lean toward travel situations, with valuable inclusions like trip interruption, trip cancellation, and car rental damage and theft protections.

Everyday spenders will also appreciate the standard purchase protection and extended warranty insurance.

✅ Plaza Premium Complimentary Visits

Some premium credit cards offer airport lounge perks. These perks typically include a specific airport lounge pass, or a pass with complimentary visits (meaning you don't have to pay for lounge entry when applicable). While the American Express Gold Rewards Card boasts the airport lounge Priority Pass, this perk only offers the pass and doesn’t include any complimentary visits. That’s where the airport lounge Plaza Premium access comes in, offering 4 free complimentary visits, so you can kickback before takeoff at no extra cost.

✅ The Annual Travel Credit

Each year, use this card’s travel credit towards an eligible trip booked through American Express Travel Online. Applicable towards flights, hotels, vacation bundles, and car services.

✅ The Nexus Program Rebate

Another notable perk is this card’s Nexus Program Rebate, where you’ll receive a $50 statement credit when you charge a Nexus application or renewal expense to your American Express Gold Rewards Card. This credit comes along every 4 years, starting from the initial card anniversary date until the day before the fourth card anniversary date.

✅ The Hertz Gold Plus Rewards Loyalty Program

What’s more, when you enrol in the Hertz Gold Plus Rewards loyalty program, you’ll get special privileges on select standard vehicles at participating locations. These privileges might include one car class update on rentals of 5 or more consecutive days (depending on availability), and a waived fee for one additional driver if that driver is included on the rental agreement.

✅ Complimentary Hotel Benefits

This exclusive perk provides complimentary hotel benefits when you book your room through American Express Travel. Available at participating hotels in The Hotel Collection, when you stay two or more nights at an eligible property, you'll earn:

A hotel credit to put towards amenities like dining, spa, and other facilities when charged to your room.
A one-category room upgrade upon checking in, depending on availability.
Late check-in, when available.
Late check-out, when available.

✅ A Custom Metal Card

There’s something so luxurious about a metal credit card, especially when it’s customizable. That’s right – with the American Express Gold Rewards Card, you can choose to have your card plated in a stainless steel gold or rose gold finish.

✅ Flexible Airline Point Redemptions

What’s particularly nice about this card’s airline partner redemptions, is that you’re not locked into one participating airline, giving you the flexibility to switch things up each time you fly.

Participating partners include:

Air Canada Aeroplan
Air France KLM Flying Blue
British Airways Executive Club
Cathay Pacific
Delta SkyMiles
Ethiad Guest

Drawbacks and Considerations

2 Downsides of The American Express Gold Rewards Card

There are only a couple of downsides to the American Express Gold Rewards Card. Nevertheless, the drawbacks are as follows:

❌ Low American Express Acceptance

Compared to other networks like Visa and Mastercard, American Express cards have a lower global acceptance rate, particularly in places within Europe.

❌ The Annual Fee

Some applicants won’t be impressed by the American Express Gold Rewards Card’s annual fee, and we understand that. However, it’s worth mentioning that cardholders that take advantage of the card’s perks and rewards can offset this cost in overall annual value. It's also a more affordable alternative to other premium cards, with good benefits relative to its annual fee.

Compare to Similar Cards

To highlight both the American Express Gold Rewards Card’s benefits and shortcomings, we’re going to compare it against other travel credit cards on the Canadian market.

Here’s a quick glance at all of the cards we’ll be comparing:

	American Express Gold Rewards Card®	Scotiabank Passport® Visa Infinite* Card	TD First Class Travel® Visa Infinite* Card	BMO VIPorter World Elite Mastercard®∗	American Express Platinum Card®
Welcome Bonus	Earn up to 60,000 Membership Rewards® points	Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points	Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.	Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*	Earn up to 100,000 Membership Rewards® points
Earn Rates	2x points per $1 spent on gas, groceries and drugstore purchases 2x points per $1 spent on travel (eligible flights, hotels, tours and more) 1x point per $1 spent on all other eligible purchases	Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more† Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)† Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases† Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†	Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^† Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^† Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^† Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.	Earn 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually) Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined) Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined) Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually) Earn 1 VIPorter point for every $1 spent everywhere else Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period.	2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery) 2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more) 1x point per $1 spent for all other purchases
Insurance Included	11 types Travel Medical Insurance (64 & under) 15 days Trip Cancellation $1,500 per person, $3,000 combined Trip Interruption $1,500 per person, $6,000 combined Flight Delay $500 Baggage Delay $500 Hotel Burglary Insurance $500 Lost or Stolen Baggage $500 Common Carrier Travel Accident Insurance $500,000 Car Rental Damage & Theft yes Purchase Protection 90 days Extended Warranty Up to 1 year	12 types Travel Medical Insurance (64 & under) $2M/insured up to 25 days Travel Medical Insurance (65 to 75) $2M/insured up to 3 days Trip Cancellation $1,500/person, $10,000/trip Trip Interruption $2,500/person, $10,000/trip Flight Delay $500/person after 4 hours Lost or Stolen Baggage $1,000 Baggage Delay $1,000 Common Carrier Travel Accident Insurance $500,000/insured, $1M combined Car Rental Damage & Theft $65,000 up to 48 days Hotel Burglary Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	13 types Travel Medical Insurance (64 & under)^† 21 days Travel Medical Insurance (65 to 75)^† 4 days Trip Cancellation^† $1,500 Trip Interruption^† $5,000 Flight Delay^† $500 Baggage Delay^† $1,000 Lost or Stolen Baggage^† $1,000 Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† yes Hotel Burglary Insurance^† $2,500 Purchase Protection^† 90 days Extended Warranty^† Up to 1 year Mobile Device Insurance^† $1,000	11 types Extended Warranty 1 year Purchase Protection 90 days Travel Medical Insurance (64 & under) Up to $5M per insured person, per trip, for 21 days per trip Common Carrier Travel Accident Insurance Up to $500,000 per insured person Trip Cancellation Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined) Trip Interruption $2,000 per insured person Flight Delay Up to a maximum of $500 per trip for all insured persons combined Baggage Delay Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items Lost or Stolen Baggage Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined Hotel Burglary Insurance Up to $1,000 per occurrence for all insured persons combined Car Rental Damage & Theft Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000	11 types Travel Medical Insurance (64 & under) 15 days Trip Cancellation $2,500 Trip Interruption $2,500 Flight Delay $1,000 Baggage Delay $1,000 Hotel Burglary Insurance $1000 Lost or Stolen Baggage $1,000 Common Carrier Travel Accident Insurance $500,000 Car Rental Damage & Theft Yes Purchase Protection 120 days Extended Warranty 1 year
Benefits	8 benefits Travel Credit $100 Nexus Program Rebate $50 statement credit every 4 years Airport Lounge - Priority Pass Pass only. No Complimentary visits! Airport Lounge - Plaza Premium 4 Free complimentary visits Complimentary Hotel Benefits Hotels booked American Express Travel Status lift Hertz Gold Plus Rewards® loyalty program American Express® Experiences Extra points Earn 2 points on Amex Travel Online purchases and extra points on American Express offers	5 benefits No Foreign Transaction Fees Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada Airport Lounge - Dragon Pass 6 Free complimentary visits Status lift Avis® Preferred Plus membership Concierge Services Visa Infinite Exclusive Benefits	8 benefits Visa Infinite Exclusive Benefits^† Concierge Services^† Golf Benefit^† Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S Extra points^† Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply. Annual Birthday Bonus^† Earn a Birthday Bonus of up to 10,000 TD Rewards Points Car Rental Discount^† 10% off base rate of Avis Rent A Car and Budget Rent A Car Travel Credit^† Get an annual TD Travel Credit of $100 when you book at Expedia For TD Airport Lounge - Dragon Pass^† Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program	8 benefits Airport Lounge - Dragon Pass Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.* Free first checked bag 1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same booking Companion Voucher A round-trip companion pass per year Priority Travel Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking Car Rental Discount Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool Hotel Booking Discount Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada* Mastercard On-Demand and Subscription Services Discount Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*	12 benefits Airport Lounge - American Express Global Lounge Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply Travel Credit $200 Dining Credit $200 at Select Restaurants Nexus Program Rebate $100 statement credit every 4 years Complimentary Hotel Benefits Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts Status lift Upgrade to Hilton Honors Gold Status Status lift Upgrade to Marriott BonvoyTM Gold Elite status Priority Travel At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park Concierge Services Trip and legal Assistance American Express® Experiences Extra points Earn 2 points on Amex Travel Online purchases and extra points on American Express offers
Annual Fee	$250	$150	$139 (First Year Rebated)	$199 (First Year Rebated)	$799
Income Requirements	N/A	$60,000 personal or $100,000 household	$60,000 personal or $100,000 household	$80,000 personal or $150,000 household	N/A
Apply Now	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW

American Express Gold Rewards Card vs Scotiabank Passport Visa Infinite Card

We just had to compare the Amex Gold Rewards Card to one of the best travel credit cards in Canada, the Scotiabank Passport Visa Infinite Card. For a lower annual fee, card holders can collect plenty of Scene+ points on groceries, dining, entertainment, transit, and Scene+ Travel. While this card provides more optimization opportunities, note that American Express Membership Rewards points are more valuable overall. That said, the Scotiabank Passport also provides better insurance coverage, including travel medical insurance for seniors. When it comes to perks, however, the Amex Gold Rewards comes out on top, but it lacks no foreign transaction fees and has fewer complimentary lounge visits. To qualify for the Scotiabank Passport Visa Infinite Card however, cardholders need to meet some annual income requirements.

Verdict: The Scotiabank Passport Visa Infinite Card is the better travel card for no foreign transaction fees and coverage, but the Amex Gold Rewards Card still has better point value and more perks overall.

American Express Gold Rewards Card vs TD First Class Travel Visa Infinite Card

The TD First Class Travel Visa Card, one of the best TD credit cards in Canada, also offers more optimization opportunities. Cardholders can collect tons of TD Rewards points on travel, groceries, dining, transit, streaming, recurring bill payments, and more. Still, American Express Membership Rewards points are more valuable than TD Rewards points. The insurance is also a bit more extensive, featuring valuable mobile device insurance and travel medical insurance for seniors. While both cards offer travel credits and extra point potential, overall, the TD First Class Travel Visa has more perks, including airport lounge access, concierge services, and an annual birthday bonus. The TD First Class Travel Visa is also more affordable, with a lower annual fee that's waived for the first year of membership. To qualify for this card, however, you need to meet some annual income requirements.

Verdict: The TD First Class Travel Visa Infinite Card is a solid travel option for a lower annual fee, but the Amex Gold Rewards card is still more valuable overall if you can afford the yearly cost.

American Express Gold Rewards Card vs BMO VIPorter World Elite Mastercard

Frequent Porter flyers will appreciate the BMO VIPorter World Elite Mastercard, one of the best BMO credit cards in Canada and top free checked bag credit cards in Canada. With this card, you can earn solid VIPorter points on Porter purchases, gas, transportation, groceries, dining, and hotel accommodations. American Express Membership Reward points are more flexible, but VIPorter points yield an impressive cent-per-point value if you intend on redeeming them solely towards Porter airline and partner flights. The BMO VIPorter World Elite Mastercard also boasts better coverage overall, plus more perks like an annual companion voucher, free first checked bags, and priority travel perks. While the card is more affordable, you'll need to meet high annual income requirements to qualify.

Verdict: The BMO VIPorter World Elite Mastercard is a premium travel credit card designed for loyal Porter and partner flyers. For more flexibility, stick with the Amex Gold Rewards Card.

American Express Gold Rewards Card vs American Express Platinum Card

Since the Amex Gold Rewards Card is notable for its perks, we had to compare it against one of the best perks credit cards in Canada, the American Express Platinum Card. In terms of optimization, this card keeps things simple, earning American Express Membership Rewards points on dining and travel. Both the coverage and perks on this card are superior, with travel benefits like unlimited airport lounge access, an annual dining and travel credit, plus priority travel perks. The catch? This ultra-premium travel card comes with one of the highest annual fees in Canada.

Verdict: If you can afford the hefty annual fee, the Amex Platinum Card is the better perks travel card. That said, the Amex Gold Rewards Card is more affordable and valuable on a yearly basis.

Frequently Asked Questions

If you plan to optimize your grocery, gas, drugstore and travel purchases, the American Express Gold Rewards card is absolutely worth the annual investment. Plus, you can also take advantage of travel-oriented perks, coverage, and redemption options to help fund your trips.

Without any income requirements and a recommended “good” credit score, the American Express Gold Rewards Card should be accessible to most applicants. However, keep in mind that there's a steep annual fee associated with this card, which will only be worth it if you take advantage of all the perks.

About the author

Sara Skodak

Lead Writer

Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...

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On this page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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American Express Gold Rewards Card®

4.3

FinlyWealth Rating

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Get personalized rewards estimates — see exactly how much you could earn.

American Express Gold Rewards Card® Points Calculator

*Terms and conditions apply.

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.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

APPLY NOW

on American Express' website

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American Express Gold Rewards Card®

Scotiabank Passport® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

BMO VIPorter World Elite Mastercard®∗

American Express Platinum Card®

Welcome Bonus

Earn up to 60,000 Membership Rewards® points

Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points

Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.

Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*

Earn up to 100,000 Membership Rewards® points

Earn Rates

2x points per $1 spent on gas, groceries and drugstore purchases
2x points per $1 spent on travel (eligible flights, hotels, tours and more)
1x point per $1 spent on all other eligible purchases

Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^†
Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^†
Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points
Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Earn 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually)
Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined)
Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined)
Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually)
Earn 1 VIPorter point for every $1 spent everywhere else
Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period.

2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
1x point per $1 spent for all other purchases

Insurance Included

11 types

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combined
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
yes
Purchase Protection
90 days
Extended Warranty
Up to 1 year

12 types

Travel Medical Insurance (64 & under)
$2M/insured up to 25 days
Travel Medical Insurance (65 to 75)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

13 types

Travel Medical Insurance (64 & under)^†
21 days
Travel Medical Insurance (65 to 75)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year
Mobile Device Insurance^†
$1,000

11 types

Extended Warranty
1 year
Purchase Protection
90 days
Travel Medical Insurance (64 & under)
Up to $5M per insured person, per trip, for 21 days per trip
Common Carrier Travel Accident Insurance
Up to $500,000 per insured person
Trip Cancellation
Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)
Trip Interruption
$2,000 per insured person
Flight Delay
Up to a maximum of $500 per trip for all insured persons combined
Baggage Delay
Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
Hotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combined
Car Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000

11 types

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Flight Delay
$1,000
Baggage Delay
$1,000
Hotel Burglary Insurance
$1000
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
Yes
Purchase Protection
120 days
Extended Warranty
1 year

Benefits

8 benefits

Travel Credit
$100
Nexus Program Rebate
$50 statement credit every 4 years
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Plaza Premium
4 Free complimentary visits
Complimentary Hotel Benefits
Hotels booked American Express Travel
Status lift
Hertz Gold Plus Rewards® loyalty program
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

5 benefits

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Status lift
Avis® Preferred Plus membership
Concierge Services
Visa Infinite Exclusive Benefits

8 benefits

Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Annual Birthday Bonus^†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Travel Credit^†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport Lounge - Dragon Pass^†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program

8 benefits

Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*
Free first checked bag
1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same booking
Companion Voucher
A round-trip companion pass per year
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
Car Rental Discount
Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*
Mastercard On-Demand and Subscription Services
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*

12 benefits

Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Travel Credit
$200
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 years
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Status lift
Upgrade to Hilton Honors Gold Status
Status lift
Upgrade to Marriott BonvoyTM Gold Elite status
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Concierge Services
Trip and legal Assistance
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Annual Fee

$250

$150

$139 (First Year Rebated)

$199 (First Year Rebated)

$799

Income Requirements

N/A

$60,000 personal or $100,000 household

$80,000 personal or $150,000 household

N/A

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Frequently Asked Questions

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