Scotiabank Gold American Express® CardScotiabank Gold American Express® Card•Earn up to 50,000 bonus Scene+ points + no annual fee in your first year†
FR
FR
FRBest offers

34 Restaurants with Free Birthday Gifts

  • Gourmet
  • Grocery
9 min read
Editorial integrity
34 Restaurants with Free Birthday Gifts
Share

Key takeaways: Many restaurants in Quebec offer a free meal, dessert, or drink on your birthday. In most cases, you simply need to be a member of the restaurant’s loyalty program or newsletter and then present a piece of identification. Eligible periods are often limited to the day itself (sometimes a few days before or after). Consult the list below for up-to-date offers.

See also: our list of the 55 best discounts for seniors.

A Nice Birthday Gift at the Restaurant

Many establishments offer you this opportunity to reward your loyalty and celebrate your birthday.

Here is our selection of restaurants in Quebec and Canada that offer a free meal or something special for this wonderful occasion.

  • Don’t forget an identity card showing your date of birth, as some retailers may require proof.
  • Check the eligible periods carefully, as most are limited to the birthday itself, sometimes a few days before or after.

Please note that these promotions may end, change, or be modified at any time.

Credit Cards for Restaurants

What do you do to maximize your restaurant spending? Here are credit cards that give 5 points per dollar, redeemable for other rewards:

Then, use these points to reduce your credit card balance, get gift cards, or treat yourself to a nice vacation. Of course, make sure to pay your credit card balance at the end of each month. Otherwise, the savings will go up in smoke.

Our credit card selection
Credit cardAnnual feeWelcome offer
MBNA Rewards World Elite® Mastercard®
Apply Now
Annual fee$120Welcome offer
Up to 30,000 points
Apply Now
American Express Cobalt® Card
Apply Now
Annual fee$191.88Welcome offer
Up to 15,000 points
Apply Now
ExclusiveNational Bank World Elite® Mastercard®
Apply Now
Annual fee$150 $0Welcome offer
No welcome offerEnds Nov 4, 2026
Apply Now
SponsoredScotiabank Gold American Express® Card
Apply Now
Annual fee$120Welcome offer
Up to 50,000 pointsEnds Nov 1, 2026
Apply Now

Do you have children? Also check out our article on 14 free or discounted restaurants for kids.

Discounts, Meals, and Birthday Gifts

Here’s an overview of the offers, followed by details by category with links to each program.

RestaurantGiftProgramMain Condition
3 AmigosServesBirthday ClubWith purchase of a meal, registration 30 days prior
Baskin RobbinsBuy one, get one free cone + cake discountClub 31Minimum applicable to the cake
Boston PizzaDessert + individual pizzaMy BPIn-restaurant
Boulangerie AngePieLoyaltyRecent purchase required
Casa GrecqueExclusive offerClub CasaDetails in-restaurant
ChatimeBeveragesChatime RewardsConditions apply
Chocolats FavorisSmall dipped cone—On the day, ID required
Cinnabon16 oz cold brewCinnabon Rewards—
Dame TartineCocktail/coffee (5 people or less) or 50% off the dish (6+)—Based on group size
DQ (Dairy Queen)Buy one, get one free BlizzardBlizzard Fan ClubCanada except Quebec
East Side Mario’sServesNewsletter + Scene+—
Harvey’sPieBurger Boss Club—
Jugo JuiceLarge smoothieJugo Juice Rewards—
La Belle et la BoeufMeal (up to $29)Birthday ClubGroup of 6 or more
La Cage$10 to $15 discountClub CageAll month, via the app
Marble SlabSurprise in the appMarble MailRegistration 7 days prior
Menchies$ 5.00Smileage—
Nando’sBirthday treatPERi-PerksVerified account
New York FriesRegular friesFry Society$50 in purchases during the year
PaciniDiscount equal to age on the dish—Dining room, ID required
KFCExclusive offerKFC VIP (app)—
Pizza HutAwardHut RewardsBirthday month
Pizzéria No.900OfferPizza Club (newsletter)—
QuesadaFree rewardQlub Quesada—
QuiznosBuy one, get one free sandwichLoyalty—
Red LobsterServesFresh Catch NewsWith purchase of items
ShakerMeal + dessertMention when bookingGroup of 6+, everyone must order a main dish
StarbucksDrink or food itemStarbucks RewardsRegistration 7 days prior
SubwayItem based on tierStar RewardsPro / Captain / All-Star
Sushi Shop500 pointsSushi Shop LoyaltyCompleted profile, same day
Thaï Express$10 offThaï Express Rewards$20 minimum purchase
The KegServesNewsletterWith purchase of a main dish
Tim HortonsBeveragesTims Rewards1 transaction during the year
ValentineSteamed hot dogPrivilege Club—

Family Restaurants and Brasseries

  • 3 Amigos: The Birthday Club offers a free dessert with the purchase of a meal (registration at least 30 days before your birthday, 18 years and older).
  • Boston Pizza: With the My BP program, two rewards for your birthday—a free dessert and a free individual gourmet pizza in-restaurant.
  • Casa Grecque: Club Casa members receive a birthday offer. Details are reserved for members; inquire at the restaurant.
  • Dame Tartine: Two gift tiers. For a table of 5 people or less, the cocktail of the day or a free bowl of coffee for the birthday person; for 6 people or more, 50% off their main dish on their birthday.
  • East Side Mario’s: A free birthday dessert by signing up for the newsletter. Linked to the Scene+ program (1 point per $3 spent, 500 points = $5 off).
  • La Belle et la Boeuf: With the Birthday Club, a free main course (up to $29 before tax) for the birthday person, in a group of 6 people or more (valid a few days before or after, registration required).
  • La Cage Brasserie Sportive: Between $10 and $15 off as a Club Cage member (valid all month during your birthday, via the app).
  • Pacini: A percentage discount on the main dish equal to the birthday person’s age. For a child 12 years and under ordering a kids’ menu, it’s free.
  • Red Lobster: Their Fresh Catch News newsletter lets you get a free dessert with the purchase of items at the restaurant.
  • Shaker: a free meal and dessert for the person celebrating, for reservations of 6 people or more. All guests must order a main meal and the offer is valid one week before or after the birthday.
  • The Keg Steakhouse + Bar: By signing up for their newsletter, a free dessert with the purchase of a main course.

Fast Food and Counters

  • Harvey’s: The Burger Boss Club gives you a free pie on your birthday. Pull out your Scene+ card to earn 1 point per $3 spent (500 points = $5 off).
  • Nando’s: with the PERi-Perks program, a birthday treat for members (verified account; ID may be required).
  • New York Fries: If you’ve purchased $50 worth of food during the year, the NYF Fry Society gives you regular-size fries on your birthday.
  • KFC: The KFC mobile app and the KFC VIP program give access to exclusive offers, including a birthday offer.
  • Pizza Hut: A birthday reward with Hut Rewards, during your birthday month.
  • Pizzéria No.900: A birthday offer for Club Pizza members (newsletter subscription).
  • Quesada: With a subscription to the Qlub Quesada, a free birthday reward.
  • Quiznos: The loyalty program lets you buy a regular sandwich and get a second one free, as a birthday reward.
  • Subway: Thanks to the Star Rewards Program, a free item for your birthday based on your membership level. Pro members receive the cookie of their choice; Captain members, the 20 oz fountain drink and the cookie of their choice; All-Star members, the 6-inch sandwich of their choice.
  • Sushi Shop: the loyalty program gives 500 points on your birthday (completed profile required).
  • Thaï Express: with Thaï Express Rewards, $10 off around your birthday ($20 minimum purchase before tax).
  • Valentine: With a subscription to the Club privilèges Valentine, get a free steamed hot dog.

Cafés, Beverages and Smoothies

  • Chatime: With Chatime Rewards, enjoy a free drink on your birthday, subject to certain conditions.
  • Cinnabon: With Cinnabon Rewards, a 16 oz cold brew coffee for your birthday.
  • Jugo Juice: Bonus points and a free large Smoothie with the Jugo Juice Rewards program.
  • Starbucks: On your birthday, a free house drink OR a free food item. You must be a member of Starbucks Rewards.
  • Tim Hortons: Register your date of birth in your Tims Rewards profile and make at least one eligible transaction within the year to receive a free drink.

Ice Cream, Desserts and Bakery

  • Baskin Robbins: Club 31 gives you a scoop or soft-serve cone with a second one free, plus a discount on cake purchases (minimum amount applies).
  • Boulangerie Ange: Join their loyalty program to receive 1 free tart on your birthday (a purchase in previous months may be required).
  • Chocolats Favoris: On your actual birthday, a free small cone of dipped ice cream (upon presentation of ID).
  • DQ (Dairy Queen): Subscribe to the Blizzard Fan Club. On your birthday, buy one Blizzard and get the second one free (offer available in Canada, except Quebec).
  • Marble Slab Creamery: by subscribing to Marble Mail, a gourmet surprise appears in your rewards account in the app (registration 7 days before your birthday).
  • Menchies: With the Smileage program, a unique $5.00 reward on in-restaurant items.

My tips for stacking birthday gifts

A free meal is great. Played right, a birthday can yield multiple gifts and points on top. Here’s how I do it.

  • Sign up two weeks before your birthday. Most programs send the coupon by email a few days before. Some require an active account: Tim Hortons requires at least one transaction in the past year.
  • Take advantage of the entire month, not just the day. Several programs (Harvey’s, La Cage, Hut Rewards) offer the gift throughout your birthday month. Check: same day or entire month—it changes your planning.
  • Stack with Scene+. East Side Mario’s and Harvey’s give the birthday gift AND accumulate Scene+ points (1 point per $3 spent, 500 points = $5). Pull out your Scene+ card along with the coupon.
  • Pay with a card that earns 5x at restaurants. On a group dinner, the bill adds up fast: the Cobalt Card returns 5 points per dollar (see the calculation below).
  • Gather guests when the offer requires it. Several gifts require a minimum number of diners: Shaker, La Belle et la Boeuf, and Dame Tartine require 6 people or more. Plan a group dinner to unlock the best offer.
  • Read the fine print before heading out. Some offers impose a minimum purchase (Pizzéria No.900, Baskin Robbins cake, Thaï Express at $20) or a buy-one-get-one (DQ, Quiznos). The « free » then comes with a condition.

Here’s what a card earning 5 points per dollar returns on a group birthday dinner:

ElementValue
Free main meal for birthday person~$25
Group bill paid with Cobalt ($250)1,250 points
Points value (5%)~$12.50
Total gain for the evening~$37.50

The birthday person’s free meal plus points earned on the group bill, at no extra cost.

To choose the card that earns the most at restaurants and on your other spending, check out our comparison of the best credit cards.

Conclusion

Finally, it’s not a restaurant, but the IGA newsletter gives 5% off on a purchase of $50 or more at the grocery store. You must enter your birthday on your IGA profile or on IGA.net.

Have fun, bring your ID card showing your date of birth, and read the fine print to take advantage of these offers.

American Express Cobalt® Card

American ExpressAmex Membership Rewards
Annual fee
$191.88
Our valuation
$255
Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

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:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

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.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Which Credit Card to Maximize Your Savings?

For recurring expenses (groceries, online purchases, restaurants), a cashback card makes a real difference. Use our credit card comparator to filter among the 200+ Canadian offers, or take a look at our top cashback cards, updated monthly. Our favourite for these expenses: the BMO eclipse Visa Infinite* Card which earns 5 points per dollar on groceries, restaurants, gas, and transit.

BMO eclipse Visa Infinite* Card

BMOBMO RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $120
No annual fee the first year
Our valuation
$589
Milesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 70,000 points
+ First Year Annual Fee Rebate
Apply Now

on BMO's website

citation 
John
Legal

*Terms and conditions apply

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.

It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.

With the BMO eclipse Visa Infinite* Card, you also get:

  • 5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
  • 1 BMO Rewards point for every dollar spent on all other purchases*
  • 10% more points when you add an authorized user to your account*
  • Mobile device insurance offering coverage up to $1,000*
  • The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
  • Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

Annual fee

Primary card$120
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGas & EV
  • 5xGroceries
  • 5xTransit
  • 1xAll spending

Value

1st Year Value$1,128
2nd Year Value$365

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days

How to Find Free Restaurants on Your Birthday?

Check with your favorite restaurants and sign up for their newsletter or loyalty program. You will receive a coupon, an email, or the announcement of your gift will appear in your profile in the mobile app.

Bring a valid ID card, as the business may ask for it as proof.

How to get discounts for your birthday ?

Most of the time, you just need to be a member of the restaurant’s loyalty program. Or, contact the restaurant directly to ask.

Is the free birthday meal really no strings attached?

Not always. Several offers require a minimum purchase, a second meal at regular price, or a minimum number of diners at the table. Others are limited to the day itself and require prior registration in the loyalty program. Read the conditions before heading out.

Our featured card

Featured

Marriott Bonvoy® American Express®* Card

American ExpressMarriott Bonvoy
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.