Does the American Express Gold Card have any restrictions ? Check out the explanation below !

When you think of cards with all-around benefits and flexible points, easy ways to redeem travel, healthy welcome deals, and generous hotel and insurance perks, American Express is often the one to remember most. Although it is still not as widely accepted as a competitor that bears the name Visa or Mastercard, the American Express Gold Rewards Card

When you think of cards with full benefits and flexible points, easy ways to redeem travel, healthy welcome deals, and generous hotel and insurance perks, American Express is often at the top. While still not as widely accepted as competitors bearing the name Visa or Mastercard, the American Express Gold Rewards Card still stands out as one of the most flexible points cards in Canada, featuring a high level of income suitable for frequent travelers looking to maximize their rewards.



Annual fee: $ 150

2 points per dollar reward spent on travel, gas, groceries and drugstore purchases; 1 point per dollar for everything else

Welcome offer : 25,000 points

Income requirements: None

Purchase interest rate : None (this is a credit card and you must pay off your balance in full every month)

Best features : Flexible travel redemption, competitive transfer options to partners such as Airplane and Marriott Bonvoy, hotel credits of up to $ 100

Who it's good for: Frequent flyers, smart points collectors

8 things to know about the AMEX Gold Rewards Card

1. Cards offer impressive points

The American Express Gold Award Card packs a punch with an impressive point score. You earn 2 Membership Rewards points for every $ 1 spent at gas stations, grocery stores, drug stores and qualifying travel purchases (flights, hotels, car rentals, and cruises). For everything else, you earn 1 Membership Reward point per $ 1. Additionally, if you book through the American Express travel portal, you earn an additional 1 Membership Reward point for every $ 1 charged to the card.

For new applicants, a hefty welcome bonus of 25,000 points is offered when you spend a minimum of $ 1,500 in the first three months you receive the card.

2. You can transfer your points to other loyalty programs

One of the biggest selling points of the American Express Gold Rewards Card is the flexibility to transfer to partner programs you may already like, including airline and hotel groups such as Airplane (Air Canada loyalty program), Marriott Bonvoy, British Airways Avios, and others.

Via the American Express website, you can browse half a dozen programs that allow you to redeem your points at competitive rates, allowing you to combine your point pool to access larger and premium rewards. For example, you can transfer 1: 1 points to Airplane, and get up to 20% more value on your points.

3. Flexible travel exchange options

Along with the wide variety of transfer options, the main benefit of this card is the flexibility you get when you redeem points for travel within the Amex Membership Rewards program itself. You can apply points for travel via the American Express Flexible Points Program, which allows you to find the best deals yourself, or you can redeem for travel through the Fixed Points Program that follows regional redemption charts.

AMEX's Flexible Points Program The Flexible Points Program is perfect for those looking to find deals on their own (either online, through a travel agent, or through Airbnb). Every 1,000 Membership Rewards points you redeem gives you a $ 10 credit on your statement, which you can use on eligible travel transactions; which includes flights on any airline to hotels and car rentals.

At a value of $ 0.01 per point, it's a solid choice for travelers looking to book trips according to their requirements, without being tied to specific airlines or blackout dates. The 25,000-point welcome bonus equals a $ 250 credit on eligible travel transactions.

AMEX Fixed Points Program When used strategically, the Fixed Points Program can offer you slightly better incentives. This option follows regional redemption charts, allowing you to book trips domestically and internationally at competitive redemption rates.

Depending on your destination and preferred seat class, you can strategically redeem fewer points for travel (up to $ 0.02 per point for some short-haul flights within the country). Note, however, that the Fixed Points Program only applies to the base fare, not taxes and fees - but you can cover those costs using the Flexible Points Program and avoid paying anything with cash.

4. Travel insurance

Travel insurance is the main reason for choosing the American Express Gold Gift Card. $ 5 million in travel medical emergency coverage is included for travel of up to 15 days, while rental car crash, loss and damage insurance will cover vehicles of up to $ 80,000. That's well above the standard $ 60,000 offered by similar cards. Plus, lost and delayed baggage insurance covers both checked and carry-on baggage in transit up to a maximum of $ 500 per trip.

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