Pairs well with...

 
Annual Fee
$0
Extra Card Fee
$0
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Balance Transfer
1.99%
Transfer Term
6 months
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $100,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Other cards you might like

People interested in this card were also interested in...

Our Review

Amex cards might not be quite as well accepted as Mastercard and Visa, but they are known for their increased perks and rewards – even on no fee cards like this one. However, if you’re worried about Amex’s acceptance, you could always pair your American Express with a top no fee travel & rewards Visa or Mastercard.

With American Express AIR MILES, you earn rewards every time you use your card and enjoy an increased earning rate at a long list of AIR MILES partners.

You’ll also earn a welcome bonus* of up to 500 AIR MILES when you use your card for $500 worth of purchases in the first 3 months. When redeemed for AIR MILES Cash, that’s worth $52.50 as your favourite AIR MILES store.

Amex also offers you a rare opportunity to earn rewards for referring friends and family to the card. You can earn 500 miles for each person you refer using your own special link.

Besides having no annual fee, American Express Air Miles offers a promotional rate of 1.99% on balance transfers for the first 6 months. So you save on pre-existing interest rates and get out of debt even faster.

Shop and travel with some peace of mind, at no extra cost, because this card offers 3 different types of insurance:

  • Travel accident
  • Purchase protection
  • Extended warranty

Check out the "Insurance Coverage" tab above for details.

When this card may not be for you:

  • If you’d rather have a higher earn rate. AIR MILES have a high 17.2 cent value for flights, or more, but they are much slower to earn than most other rewards programs.
  • If you do most of your shopping on retailers that don’t accept an Amex card.
  • If insurance is important to you and you’re looking for a card that offers more.

Craving more acceptance than American Express can offer? Consider the .

While it has the same base earn rate of 1 mile for every $20 spent, with the BMO card you'll get twice that at select AIR MILES sponsors, including Shell and Sobeys.

Plus, the welcome bonus is over 50% higher – earn up to 800 miles when you spend $1,000 in 3 months.

It's a worthwhile alternative for earning extra AIR MILES thanks to Mastercard's wider acceptance.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.

Featured In

The Globe and Mail
thestar.com
Huddle.today
Morningstar