American Express^® AIR MILES^®* Credit Card

Please ensure to only have one American Express application browser tab open while completing an online application. Having multiple tabs open may cause an error with your submission.

BEFORE YOU BEGIN

PRODUCT INFORMATION

Annual Interest Rate
Preferred Rate for Purchases: 20.99% effective from the day account is opened.
Preferred Rate for Funds Advances: 21.99% effective from the day account is opened.

Interest rate will increase to the Standard Rate of 23.99% for the next 12 billing periods if in any 12 month period you have 2 separate Missed Payments.
Interest rates will increase to the Basic Rate of 26.99% for the next 12 billing periods if in any 12 month period you have 3 or more separate Missed Payments
“Missed Payment” means we did not receive the minimum monthly payment by the payment due date.
Interest-free Grace Period
21 days on new purchases from the Closing Date on your statement if we receive payment in full by the payment due date and if we do not, up to 25 days for new purchases on your next statement. For residents of Quebec, the interest-free grace period applies to all purchase balances each month, if we receive payment in full by the payment due date. There is no interest-free grace period for funds advances, Amex cheques and balance transfers, if offered.
Minimum Payment
The Minimum Payment is the lesser of (1) or (2), calculated as follows:
(1) the total of: (a) any previously billed minimum payment that remains unpaid on the Closing Date of the statement + (b) if applicable, installment amounts (including installment fees) charged on the billing statement PLUS
(for non-Quebec residents): (c) $10 + (d) Interest, Overlimit fees and Dishonoured Payment fees; or
(for Quebec residents): (c) 5% of the remaining balance owing that month OR
(2) the entire new balance of the billing statement.
Foreign Currency Conversion
Charges in a currency other than Canadian dollars will be converted into Canadian dollars on the date we process the charge.� If the charge is not in U.S. dollars, it will first be converted to U.S. dollars and then into Canadian dollars. If the charge is in U.S. dollars, it will be converted directly into Canadian dollars.� Unless required by law or used by custom, conversion rates are based on interbank rates selected from customary industry sources on the business day prior to the processing date, increased by a single conversion commission of 2.5% of each charge. Any conversion commission charged on the original charge will not be returned on a refund.
Annual Fees
$0
Other Fees
Charged on the day the transaction occurs except as noted:

Funds Advance: $2.75 each.

Dishonoured Payment: $25 each.

Statement Reprint: $3 per statement.

Reward Miles Reinstatement: $10 for each reinstatement through Online Services or $15 for each reinstatement through other service channels (plus applicable taxes).

Overlimit: $29 when you exceed your credit limit and at the end of each subsequent billing period if you remain overlimit (except for Quebec residents)

Balance Transfer/Amex Cheque: up to 3% of the amount of each balance transfer and Amex cheque, if offered, unless reduced for a specific offer.

Installment Program: A monthly fee of up to 1.2%, calculated on each balance moved to the installment program and charged each month while the balance to which it relates, or a portion of such balance, remains in the installment program.
Credit Balance Inactivity: If your account (i) has been inactive (meaning no charges or payments) for 12 consecutive billing periods and (ii) has a credit balance, your account is subject to a fee equal to the lesser of $10 or your credit balance amount. We reserve the right to waive this fee.

Print the Information Box above

APPLICATION REQUIREMENTS

Before we can consider your application, please ensure you can say yes to the following:

You are a Canadian resident and have a Canadian credit file
You are of the age of majority in your province or territory of residence

PRIVACY

By accessing this application online, you consent to our collection, use and disclosure of your personal information to initiate and administer your application and account, and to authorize third parties to provide us personal information for these purposes.

You will need to agree to the Terms & Conditions & Privacy at the end of this application which includes a Privacy Notice. For more information on the Privacy Notice and our privacy policies, please read our Privacy Code and Online Privacy Statement. This information includes details such as:

What information we collect such as information to identify you and background information;
How we collect information about you such as information you provide us, the products and services you use, from others with your consent (e.g. credit bureaus), and from the pages you view on our website;
The purposes for which we collect, use and disclose your information (e.g. to send relevant offers to you);
Your consent rights and choices, for example to not receive marketing; and
Additional examples to help you better understand how we collect, use, disclose and safeguard your personal information.

GET STARTED

CONTINUE WITH MY APPLICATION

BEFORE YOU BEGIN

PRODUCT INFORMATION

Annual Interest Rate
Preferred Rate for Purchases: 20.99% effective from the day account is opened.
Preferred Rate for Funds Advances: 21.99% effective from the day account is opened.

Interest rate will increase to the Standard Rate of 23.99% for the next 12 billing periods if in any 12 month period you have 2 separate Missed Payments.
Interest rates will increase to the Basic Rate of 26.99% for the next 12 billing periods if in any 12 month period you have 3 or more separate Missed Payments
“Missed Payment” means we did not receive the minimum monthly payment by the payment due date.
Interest-free Grace Period
21 days on new purchases from the Closing Date on your statement if we receive payment in full by the payment due date and if we do not, up to 25 days for new purchases on your next statement. For residents of Quebec, the interest-free grace period applies to all purchase balances each month, if we receive payment in full by the payment due date. There is no interest-free grace period for funds advances, Amex cheques and balance transfers, if offered.
Minimum Payment
The Minimum Payment is the lesser of (1) or (2), calculated as follows:
(1) the total of: (a) any previously billed minimum payment that remains unpaid on the Closing Date of the statement + (b) if applicable, installment amounts (including installment fees) charged on the billing statement PLUS
(for non-Quebec residents): (c) $10 + (d) Interest, Overlimit fees and Dishonoured Payment fees; or
(for Quebec residents): (c) 5% of the remaining balance owing that month OR
(2) the entire new balance of the billing statement.
Foreign Currency Conversion
Charges in a currency other than Canadian dollars will be converted into Canadian dollars on the date we process the charge.� If the charge is not in U.S. dollars, it will first be converted to U.S. dollars and then into Canadian dollars. If the charge is in U.S. dollars, it will be converted directly into Canadian dollars.� Unless required by law or used by custom, conversion rates are based on interbank rates selected from customary industry sources on the business day prior to the processing date, increased by a single conversion commission of 2.5% of each charge. Any conversion commission charged on the original charge will not be returned on a refund.
Annual Fees
$0
Other Fees
Charged on the day the transaction occurs except as noted:

Funds Advance: $2.75 each.

Dishonoured Payment: $25 each.

Statement Reprint: $3 per statement.

Reward Miles Reinstatement: $10 for each reinstatement through Online Services or $15 for each reinstatement through other service channels (plus applicable taxes).

Overlimit: $29 when you exceed your credit limit and at the end of each subsequent billing period if you remain overlimit (except for Quebec residents)

Balance Transfer/Amex Cheque: up to 3% of the amount of each balance transfer and Amex cheque, if offered, unless reduced for a specific offer.

Installment Program: A monthly fee of up to 1.2%, calculated on each balance moved to the installment program and charged each month while the balance to which it relates, or a portion of such balance, remains in the installment program.
Credit Balance Inactivity: If your account (i) has been inactive (meaning no charges or payments) for 12 consecutive billing periods and (ii) has a credit balance, your account is subject to a fee equal to the lesser of $10 or your credit balance amount. We reserve the right to waive this fee.

REQUIREMENTS & PRIVACY

Make sure to first read and scroll to the end of Product Information above for interest rates, fees and disclosures.
You must be the age of majority and a Canadian resident with a Canadian credit file.
By accessing this application online, you consent to our collection, use and disclosure of your personal information to initiate and administer your application and account, and to authorize third parties to provide us personal information for these purposes.You will need to agree to the Terms & Conditions & Privacy at the end of this application. For more information on the Privacy Notice and our privacy policies, please read our Privacy Code and Online Privacy Statement. This information includes details such as:

What information we collect such as information to identify you and background information;
How we collect information about you such as information you provide us, the products and services you use, from others with your consent (e.g. credit bureaus), and from the pages you view on our website;
The purposes for which we collect, use and disclose your information (e.g. to send relevant offers to you);
Your consent rights and choices, for example to not receive marketing; and
Additional examples to help you better understand how we collect, use, disclose and safeguard your personal information.

AGREE & BEGIN

Are you sure you want to cancel this Card application?

Are you sure you want to delete the supplementary card?

This session will expire shortly.

Are you still there?

For security reasons this session will expire in seconds due to inactivity. Please acknowledge you are still present and are in progress of completing the application.

If no action is taken, you will be timed out of this session and will no longer be able to access this Card application.

Special Note:

If you have provided an email address and you have selected the “Save and Continue” option, you will receive a link shortly and will be able to retrieve this Card application.

Are you sure you wish to leave your application?

An email has already been sent with links to all documents

An email has been sent with links to all documents

American Express® AIR MILES®* Credit Card

BEFORE YOU BEGIN

PRODUCT INFORMATION

APPLICATION REQUIREMENTS

PRIVACY

BEFORE YOU BEGIN

PRODUCT INFORMATION

REQUIREMENTS & PRIVACY

APPLY FOR THIS CARD LATER.

American Express® AIR MILES®* Credit Card

American Express^® AIR MILES^®* Credit Card

American Express^® AIR MILES^®* Credit Card