Amazon’s Shop with Points: Is It a Good Deal?

Do you want a cash back credit card with no annual fee that earns travel points? Here’s an option for you: American Express^® Green Card.

By signing up for the American Express^® Green Card, you can earn 10,000 Membership Rewards Welcome Bonus Points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. This is a $100 value for travel or any purchase on the Card.

You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning:

• 10,000 Aeroplan points
• 10,000 Avios points
• 10,000 Flying Blue Miles
• 12,000 Marriott Bonvoy points

That’s a nice welcome bonus for a credit card with no annual fee.

You’ll also have access to online promotional offers to earn points or rebates on your purchases with this no annual fee credit card.

Like all American Express Canada Cards, there is no minimum income requirement.

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt^® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

• 15,000 Aeroplan points
• 15,000 Avios points
• 15,000 Flying Blue Miles
• 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt^® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

• 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
• 3X points on eligible streaming subscriptions in Canada.
• 2X points on eligible gas, public transit and ride sharing purchases in Canada.
• 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
• 1X point per dollar on everything else, with no category restrictions.
• Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
• No minimum income requirement, as with every American Express Canada card.
• Additional cards at no extra cost: the first and every other supplementary card is $0.
• The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
• Front Of The Line^® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
• A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

• Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
• Restaurants and bars: sit-down meals, takeout and drinks.
• Home food delivery.
• Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt^® Card, you earn between 1 and 5 points per dollar:

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt^® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

• Emergency medical: up to $5,000,000 for the first 15 days of a trip.
• Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
• Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
• Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
• Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
• Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt^® Card fees

• Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
• Additional cards: $0.
• Purchase interest rate: 21.99%.
• Cash advance interest rate: 21.99%.
• Foreign transaction fee: 2.5%.
• Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.

Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of $600 toward travel or any purchase charged to the Card:

• 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).

You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 60,000 Aeroplan points
• 60,000 Avios
• 60,000 Flying Blue Miles
• 72,000 Marriott Bonvoy points

With this Card, you get many benefits like:

• $100 annual travel credit
• Priority Pass membership and 4 complimentary Plaza Premium visits per year
• $50 NEXUS credit

You earn 2 points per dollar for travel purchases, and at:

• gas stations
• grocery stores
• drugstores

And 1 point per dollar everywhere else.

Like all American Express Canada Cards, there is no minimum income requirement.

Terms of the offer

• Unlock special experiences with the newly designed metal Platinum Card
• New Platinum^® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards^® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card^® Travel Service
• Take full advantage of the American Express Global Lounge Collection^™ which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion^® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts^®, Radisson Hotel Group Hotels and Resorts, Hertz^® and Avis^®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges

  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

The Platinum Card^® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards^® points:

• 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
• 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get:

• 2 points per $1 on eligible dining and delivery purchases in Canada
• 2 points per dollar on eligible travel purchases charged to the Card
• 1 point per $1 on all other purchases charged to the Card

You can use your Membership Rewards^® points in many ways:

• Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
• Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
• Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
• Redeem points for statement credits towards other purchases (1,000 points = $10)
• And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards^® points to a partner loyalty program, you could earn up to:

• 100,000 Aeroplan points
• 100,000 Avios
• 100,000 Flying Blue Miles
• 120,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

• $200 Annual Travel Credit
• An annual meal credit of $200
• A $100 statement credit for NEXUS membership
• Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
• Hilton Honors Gold status
• Marriott Bonvoy Gold Elite status
• Access to the Fine Hotels + Resorts program

Last but not least, The Platinum Card^® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

• 80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
• 40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

• Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
• Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
• And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 120,000 Aeroplan points
• 120,000 Avios
• 120,000 Flying Blue Miles
• 144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

• Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
• $200 Annual travel credit
• $100 Card Statement Credit for Nexus
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold Elite status
• Access to the Fine Hotels and Resorts program
• Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card^® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Earn a welcome bonus of up to 70,000 Membership Rewards^® points with the American Express^® Business Gold Rewards Card^®

• 50,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.
• 20,000 additional points after spending $30,000 on your Card in your first 12 months of Cardmembership.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.

With this Card, you earn 1 Membership Rewards point per dollar on your purchases.

You can then use your points in many ways:

• Statement credit for travel purchases
• Statement credit for all purchases
• Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.).
• Book your flight with American Express Travel at a special rate

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

• 70,000 points Aeroplan
• 70,000 Avios
• 70,000 Flying Blue Miles
• 84,000 Marriott Bonvoy points

Alternatively, 70,000 Membership Rewards points can also represent a value of $700 for travel or for any purchase charged to the Card.

Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.

Finally, you are covered with reliable insurance for your travels and purchases.

Like all American Express Canada Cards, there is no minimum income requirement.

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

• 20,000 TD Rewards Points for the first purchase made with your card^†
• 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
• A Birthday Bonus of up to 10,000 TD Rewards Points^†

Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

With the TD First Class Travel^® Visa Infinite* Card, you earn:

• 8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
• 6 TD Rewards Points^† per dollar on your grocery, dining and public transit purchases
• 4 TD Rewards Points^† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
• 2 TD Rewards Points^† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year^†.

With the TD Rewards Visa* Card, you can earn TD Rewards points on your everyday purchases, such as groceries, dining out, bill payments, public transit, streaming services, or travel bookings.

You can earn 15,152 TD Rewards points^†, a value of $50 on Amazon.ca^†, when you spend $500 within 90 days of account opening^†.

• Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia^® For TD^†
• Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases^†
• Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media^†
• Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card^†

Your card also allows you to redeem your TD Rewards points for a wide variety of rewards, including through Expedia^MD for TD, at Starbucks^®, and on Amazon.ca with the Amazon Shop with Points program. Conditions Apply.

• Mobile Device Insurance of up to $1,000 if you lose or damage your phone^†
• No blackout dates^†, no seat restrictions^†, and your TD Rewards points never expire^† as long as your account remains open and in good standing.
• Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks^® locations. Conditions Apply.

Terms of the offer

• Limited Time Offer - Apply by December 1, 2019 to get an Annual Fee Rebate¹ for the Primary Cardholder for the first year and earn up to 70,000 TD Rewards Points (a travel value of $350 when you book travel purchases through ExpediaForTD.com!²) as follows:
  • Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your card¹.
  • + Earn 2X TD Rewards Points on all Purchases in the first three months up to a total of 45,000 TD Rewards Points¹.
  • + Earn 10,000 TD Rewards Points when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
• This offer is not available for residents of Quebec. For Quebec residents, please click here. 
• Book your trip through Expedia For TD³ or any other travel provider – the choice is yours!
• Choose Expedia For TD to maximize the number of TD Rewards Points you can earn on your travel purchases.
• No blackouts⁴or seat restrictions⁴ under the TD Rewards Program
• A suite of travel insurance
• Earn 3 TD Rewards Points for every $1 in grocery purchases³ and regularly recurring bill payments⁴
• Earn⁵ 5 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com
• Earn 2 TD Rewards Points for every $1 you spend on all other purchases⁶

  Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.    

Fees / Rates / Eligibility

   

Disclaimer

'1 Must apply by December 1, 2019. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 45,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 10 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases"), grocery purchases ("Grocery Purchases") and regularly recurring bill payments ("Pre-Authorized Payments") and earn 4 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 5 TD Rewards Points for every $1 on Online Travel Purchases, earn 3 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, and Pre-authorized Payments, and earn 2 TD Rewards points ("Standard Rebate") for every $1 on all Other Purchases. To receive the additional 10,000 TD Rewards Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Rewards Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. 2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. Maximum of 3 Authorized User Cards on the Account. 3 Earn 3 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for Grocery Purchases, then any further Grocery Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Grocery Rebate: The Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Grocery Rebate, the Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery" category. Some merchants may (i) sell groceries or grocery items; or (ii) have separate merchants located on their premises that also sell groceries or grocery items; but may not be classified with a grocery MCC and such Purchases will not earn the Grocery Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 4 Earn 3 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 5 Earn 5 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 3 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. All trade-marks are the property of their respective owners. * Trademark of Visa International Service Association and used under license. ^®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:

• 15,000 TD Rewards points for the first purchase made with your card^†
• 35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening^†

This TD travel rewards credit card requires no minimum income.

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

• 20,000 TD Rewards Points for the first purchase made with your card^†
• 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
• A Birthday Bonus of up to 10,000 TD Rewards Points^†

Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

With the TD First Class Travel^® Visa Infinite* Card, you earn:

• 8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
• 6 TD Rewards Points^† per dollar on your grocery, dining and public transit purchases
• 4 TD Rewards Points^† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
• 2 TD Rewards Points^† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year^†.

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

American Express Cobalt^® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

• 15,000 Aeroplan points
• 15,000 Avios points
• 15,000 Flying Blue Miles
• 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt^® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

• 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
• 3X points on eligible streaming subscriptions in Canada.
• 2X points on eligible gas, public transit and ride sharing purchases in Canada.
• 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
• 1X point per dollar on everything else, with no category restrictions.
• Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
• No minimum income requirement, as with every American Express Canada card.
• Additional cards at no extra cost: the first and every other supplementary card is $0.
• The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
• Front Of The Line^® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
• A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

• Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
• Restaurants and bars: sit-down meals, takeout and drinks.
• Home food delivery.
• Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

With the American Express Cobalt^® Card, you earn between 1 and 5 points per dollar:

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt^® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

• Emergency medical: up to $5,000,000 for the first 15 days of a trip.
• Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
• Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
• Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
• Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
• Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt^® Card fees

• Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
• Additional cards: $0.
• Purchase interest rate: 21.99%.
• Cash advance interest rate: 21.99%.
• Foreign transaction fee: 2.5%.
• Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.