
You don’t need a minimum income to apply for the American Express® Gold Rewards Card. However, this does not prevent it from having many benefits:
Welcome offer
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express® Gold Rewards Card.
You earn 5,000 Membership Rewards points for every $1,000 in net purchases you charge to your Card each month.
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.
Earning points
Avec la Carte Or avec primes American ExpressMD, vous pouvez obtenir entre 1 et 3 points par dollar:
Catégorie | Points par dollar |
Amex Voyages: Hôtels et Location de voiture | 3 |
Voyages | 2 |
Épicerie | 2 |
Station-service | 2 |
Pharmacie | 2 |
Autres | 1 |
And don’t forget: grocery stores, gas stations and drug stores are great places to buy gift cards!
So, when you buy gift cards (SAQ, Amazon, Home Depot, etc.) in these stores with your American Express® Gold Rewards Card, you earn 2 points per dollar.
Redeeming points
There are many ways to use your Membership Rewards Points:
Transfer points to other programs
This is one of the best uses of Membership Rewards Points. You can transfer points to:
To hotel partners
With every Membership Rewards Cards, you can transfer points to two hotel partners:
Here are the transfer ratio and duration:
Programme | Points-Privilèges | Points obtenus | Délai |
Hilton Honors | 1 000 | 1 000 | 5 jours |
Marriott Bonvoy | 1 000 | 1 200 | 5 jours |

To airline partners
American Express Canada has six airline partners.
Here are all of them, with the transfer ratio and duration:
Programme | Points-Privilèges | Miles obtenus | Délai |
Aéroplan | 1 000 | 1 000 | 30 minutes |
British Airways Executive Club | 1 000 | 1 000 | 3 à 5 jours |
Delta Skymiles | 1 000 | 750 | 30 minutes |
Air France KLM Flying Blue | 1 000 | 750 | 5 jours |
Asia Miles | 1 000 | 750 | 3 à 5 jours |
Etihad Guest | 1 000 | 750 | 3 à 5 jours |
So when you sign up for the American Express® Gold Rewards Card, you will receive a welcome bonus of up to 60,000 Membership Rewards points, which is 60,000 points with Aeroplan, Avios, Skymiles, etc.

Redeem for flights
With American Express Membership Rewards, you can redeem your points to book flights with two travel programs:
American Express Fixed Points Travel Program
American Express’ fixed point travel program is a fare schedule for some economy class flights:

And on some business class flights:

To book this type of flight, you will have to go to the American Express Travel portal.
Let’s take the example of a round trip flight between Montreal and New York.

In this example, the flight costs $462.87.
Here, with the Fixed Travel Program, you can use 15,000 Membership Rewards points and pay $162.87 in taxes.
So you save $300 with 15,000 Membership Rewards points.
So 1,000 Membership Rewards points = $20.
American Express Flexible Points Travel Program
With the soft-spot travel allows you to redeem Membership Rewards points to pay for your ticket in whole or in partincluding taxes, fees and carrier surcharges, in a ratio that entitles you to a $10 account credit for every 1,000 points.
Let’s take the same round trip between Montreal and New York with the Flexible Points option.

In this example, the flight costs $462.87.
Here, with the flexible point travel program, it is possible to redeem 46,287 membership rewards to cover the full ticket.
To compare with fixed points, you save $150 with15,000 Membership Rewards points.
So 1,000 Membership Rewards points = $10.

Statement credit for travels
American Express membership rewards can be applied to the account for any travel purchase charged on the card.

Here, 1,000 Membership Rewards points = $10.

For all current purchases
American Express membership rewards can be applied to the account for any current purchase charged on the card.
Here, 1,000 Membership Rewards points = $10.
Annual Fee Statement credit
A little-known option: redeem your Membership Rewards Points as a statement credit for your Card Annual Fee.
For example, when you renew the American Express® Gold Rewards Card, you could use 25,000 Membership Rewards points to pay the $250 Annual Fee.
Here, 1,000 Membership Rewards points = $10.
Gift cards
You can redeem your Membership Rewards Points on American Express’ online store. The first option is gift cards. There are dozens of them.

For example, an Air Canada gift card:

You could use 13,000 Membership Rewards points to get a $100 gift card.
Here, 1,000 Membership Rewards points = $7.70
For products
The second option on the American Express store is for products. Hundreds of them exist.

This toaster costs $75 in stores.
Here, 1,000 Membership Rewards points = $5
Redeem your points on Amazon.ca
Another little-known option: redeem its membership rewards on Amazon.ca.

Here, 1,000 Membership Rewards points = $7.
For charitable donations
Finally, it is possible to donate your Membership Rewards Points.

Here, 1,000 Membership Rewards points = $10.
Many Promotional Offers during the year
Throughout the year, American Express runs promotional offers for American Express® Gold Rewards Cardmembers.
Voici trois exemples récents:
Promotion | Valeur |
2 000 points-privilèges après $75 d’achats en station-service |
20 $ |
Recevez $5 après $5 d’achats auprès des commerçants Shop Small |
25 $ |
Recevez 10 points / dollar sur Amazon.ca |
50 $ |
TOTAL | 95 $ |
Access to airport lounges
With the American Express® Gold Rewards Card, you get a complimentary membership to the Priority Pass airport lounges network (you’ll have to pay for each visit at a discounted rate).
In addition, you have 4 annual complimentary visits to Plaza Premium lounges in Canada (such as the National Bank Lounge, the Air France KLM Lounge at Montreal-Trudeau, etc.).

Gold Card Insurance
With the American Express® Gold Rewards Card, you get great insurance!
Car Rental Theft and Damage Insurance
Out-of-province or country emergency medical insurance (under 65)
Save when you travel with the flight and damage Insurance for rental cars included with your Card This insurance provides compensation for theft, loss and damage up to the market value of the rental car with a maximum MSRP of $85,000 depending on the year of the model.
To take advantage of this benefit, you simply need to refuse loss or damage protection or any other similar option offered by the rental company and bring the entire rental to your Card. This insurance is available at no extra cost and you do not have to pay the insurance charged by the car rental company (usually costing between $16 and $23 per day).
Can provide coverage of up to a maximum of $5,000,000 for eligible emergency medical expenses incurred by a person of under 65 years old while travelling outside his province or territory of residence in Canada for First 15 consecutive days of an insured trip.
Baggage delay insurance
Having booked your flight with your Card you can receive up to $500 (maximum in combination with Flight Delay Insurance) for any necessary and reasonable routine purchases of clothing and minor items deemed essential that you make in a four-day periodIf your luggage is not returned to you within the six hours after arrival at destination of your departure flight.
Lost or Stolen Baggage Insurance
If you carry the full amount of your airfare to your Card you are insured in case of loss or damage of your personal belongings, carry-on baggage or checked baggage while travelling up to $500 per trip for all insured people.
Flight delay insurance
Charge your airline tickets to your Card and get up to $500 (maximum in combination with Misdirected Baggage Insurance) for all necessary and reasonable expenses incurred within 48 hours at a hotel, motel or restaurant, or for small items, if your flight is delayed or you are denied boarding for four hours or more without providing alternative transportation.
$500,000 Travel Accident Insurance
Travel accident insurance gives you automatic coverage of up to 250,000 for accidental death and dismemberment for you, your spouse and your dependent children under age 23 when you travel on a common carrier (plane, train, boat or bus) and you charge the full price of all tickets to your Card. Supplementary card holders, their spouses and dependent children under the age of 23 are also covered.
Hotel or motel burglary insurance
Simply pay for your hotel or motel room with your card and you will receive coverage of up to $500 in case of loss of most personal belongings in the event of a burglary at your hotel or motel room.
Purchase Protection® Plan
Eligible items purchased on your card may be insured for a period of 90 days from the date of purchase against accidental property damage and theft up to a maximum of $1,000 per claim (all items purchased combined).
Buyer’s Assurance® Protection Plan
Your coverage can automatically extend the manufacturer’s initial warranty up to an additional year when you carry all eligible items to your Card.
Bottom line
The American Express® Gold Rewards Card is, in my opinion, the best flexible rewards Card to quickly earn transferable points.
It is accessible to almost everyone (no minimum income required), and you can quickly earn miles & points for a future trip!
You would like to apply for this Card while supporting milesopedia? Click here!
This article was not sponsored. The views and opinions expressed in this article are purely my own.
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