American Express Gold Rewards Card
Travel Rewards Premium / High-End Rewards

American Express Gold Rewards Card

American Express(Canada) American Express(Canada)
Welcome Bonus: Up to 60,000 Membership Rewards points
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Secure RateBuddy connection · Application completed on American Express(Canada)’s site
Annual Fee $250
Purchase APR 21.99%
Cash Advance 21.99%
Bonus Value $600

RateBuddy Verdict

The Good
  • The $100 Annual Travel Credit and $50 NEXUS credit help significantly offset the $250 annual fee.
  • Includes 4 complimentary visits per year to Plaza Premium Lounges across Canada.
  • Earns a strong 2X points on both travel purchases and everyday essentials like gas, groceries, and drugstores.
The Trade-offs
  • Carries a substantial $250 annual fee.
  • While it includes a Priority Pass membership, you still have to pay entry fees to access those specific lounges.

Rewards & Earnings

Groceries 2%
Dining 1%
Gas 2%
Travel 2%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: Earn 2X points on travel and everyday purchases (gas, grocery, drugstore in Canada); 1X points on everything else. Earn 1 additional point on Amex Travel Online bookings.

Welcome Bonus Details

Earn up to 60,000 Membership Rewards points ($600 value). Includes 4 complimentary Plaza Premium lounge visits.

Estimated Value: $600

Features & Benefits

Airport Lounge Access
4 free Plaza Premium visits & Priority Pass membership
Travel Medical Insurance
Up to $5,000,000 for 15 days (under 65)
Car Rental Collision/Loss Damage Waiver
Coverage for vehicles up to $85,000 MSRP
Metal Card
Available in Gold or Rose Gold metal finish
Trip Cancellation/Interruption Insurance
Trip Cancellation up to $1,500/person
Extended Warranty Insurance
Buyer's Assurance extends warranty 1 year
Purchase Security Insurance
Purchase Protection for 90 days
NEXUS Application Fee Rebate
$50 NEXUS statement credit
Flight Delay Insurance
Flight delay up to $500
Baggage Delay/Loss Insurance
Baggage delay up to $500
Hotel Status Benefits
The Hotel Collection benefits
Special Event Access (e.g., Front Of The Line)
Front Of The Line® access
Hotel/Motel Burglary Insurance
Hotel Burglary up to $500

Insurance Coverage

Comprehensive travel suite: Emergency Medical ($5M, 15 days), Trip Cancellation ($1.5k), Trip Interruption ($1.5k), Flight/Baggage Delay, Car Rental Theft/Damage, and Shopping protections.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR21.99%
Annual Fee$250
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Premium / High-End Rewards
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