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American Express · creditCA
Last updated
Is the Amex Gold Rewards (CA) worth keeping when the fee hits?
Welcome offer — Offer varies — typically a large MR points bonus after a spend threshold Estimated by source
Portal caveat — Amex Travel averages ~10.32% above booking direct; portal redemptions are worth less than the headline rate.
Apply on American Express's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 2× | Gas, groceries & drugstores (Canada) Inferred by source |
|---|---|
| 2× | Eligible travel (flights, hotels, car rentals, cruises) Inferred by source |
| 1× | Everything else Inferred by source |
Amex Membership Rewards (Canada) points transfer to these loyalty programs. Canadian MR partner list differs from the US program. Mostly 1:1. Inferred by source
| Airlines (11) | |
|---|---|
| Hotels (3) |
Recent transfer changes
| Annual travel credit | $100/yr · annual Inferred by source |
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| Plaza Premium | 6 lounges· CardholderInferred by source
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| Priority Pass | Priority Pass membership fee waived; each visit charged at the prevailing fee · Per-visit fee Inferred by sourceWe don't track individual locations for this network yet. |
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| Trip cancellation | Trip cancellation / interruption insurance Inferred by source |
|---|---|
| Baggage | Lost/damaged baggage insurance Inferred by source |
Using Amex Gold Rewards (CA) at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | $3.50 per funds advance in Canada (about 1% abroad) Estimated by source |
|---|---|
| Cash advance APR | 21.99% funds advance rate, interest from day one (no grace period) Estimated by source |
| Foreign ATM | Cash advance plus the 2.5% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The American Express® Gold Rewards Card (Canada) has a CA$250 annual fee.
Using its non-spend-gated credits fully, the American Express® Gold Rewards Card (Canada) returns about CA$100 in value against its CA$250 annual fee — a net of −CA$150 per year. It only makes sense if you value its perks beyond the listed credits.
The American Express® Gold Rewards Card (Canada) earns 2x on gas, groceries & drugstores (canada), 2x on eligible travel (flights, hotels, car rentals, cruises), 1x on everything else.
Yes. The American Express® Gold Rewards Card (Canada) grants access to Priority Pass, Plaza Premium.
Yes — the American Express® Gold Rewards Card (Canada) charges a 2.5% foreign transaction fee.
Offer varies — typically a large MR points bonus after a spend threshold. Welcome offers change frequently — confirm the current one on the issuer's page before applying.