Reward Type: Travel Rewards

Welcome offer: Get up to $1,600 in value including up to 100,000 points, Mastercard Travel Pass Program & 4 Complimentary Lounge Passes, NEXUS Statement Credit and the annual fee waived in the first year for both the primary cardholder and authorized users.*

Additionally, enjoy a 0% introductory interest rate on balance transfers for 12 months as well as a 2% balance transfer fee.*

• 5x the points for every $1 spent on eligible travel purchases,*
• 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments,*
• 1 point for every $1 spent everywhere else.*
• Free membership to the Mastercard Travel Pass app provided by DragonPass*, with 4 complimentary passes per year*
• Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
• Extended Warranty*
• Purchase Protection*
• BMO Ascend World Elite Total Travel and Medical Protection:
  Get Collision Damage Waiver benefits on rental cars, 21 days of Out-of-Province/Out-of-Country Emergency Medical coverage of up to $5 million, and more.*

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Card features

• Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

• New American Express^® Aeroplan^®* Cardmembers can earn up to 45,000 Aeroplan points:
  • Earn 35,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 6 months.
  • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in the 13th month.
  • You could earn up to $1,550 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $900 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,550 or more in value within your first 13 months. Terms and usage assumptions apply.

Card features

• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
• Get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• Amex Experiences^TM opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Up to $500 in value^†, including up to 20,000 Aeroplan points^† could be yours and receive an annual fee rebate for the first year^†. Conditions Apply. Conditions Apply.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn an additional 10,000 Aeroplan points when you spend $1,500 within 90 days of Account opening^†
• Get an annual fee rebate for the first year^†

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

• Earn 1 point^† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
• Earn 1 point^† for every $1.50 spent on all other eligible purchases† made with your Card
• Earn points twice^† when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
• Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.

Up to $3,000 in value^† including up to 85,000 Aeroplan points^† and additional travel benefits could be yours. Conditions Apply.

• Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card^†
• Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening^†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Additional Travel Benefits :

• Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)^†.
• Share first free checked bags with up to 8 travel companions^† and get unlimited access to Maple Leaf Lounges^† including complimentary access for one guest.
• Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.^†
• Earn 2 points^† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
• Earn 1.5 points^† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases
• Earn 1.25 points^† for every $1 spent on all other purchases made with your Card
• Earn points twice^† when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply. Conditions Apply.
• Get an annual round-trip companion pass starting at $99 (plus taxes, fees and surcharges).^†
• Complimentary Visa Infinite Concierge^†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Global Airport Lounge Access^†: Receive a complimentary membership to the Visa Airport Companion^† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Visa Infinite Luxury Hotel Collection^†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Enjoy your eUpgrades longer^† : Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use newly issued eUpgrade credits, for a total of 24 months from issuance.

Earn up to $370 in value^†, including up to 50,000 TD Rewards Points^† and receive an annual fee rebate for the first year†. Conditions apply.

• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card^†.
• 35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening^†.
• Get an annual fee rebate for the first year^†

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

• Earn 6 TD Rewards Points^† for every $1 you spend when you book travel through Expedia® For TD^†.
• Earn 4.5 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†.
• Earn 3 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
• Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card^†.
• Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions Apply.

Earn 15,152 TD Rewards Points^† (a value of $50 on Amazon.ca^†) when you spend $500 within 90 days of Account opening^†. Conditions Apply.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

• 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^†
• Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions Apply.

Earn up to 90,000 Welcome Bonus Aeroplan®* points.

• Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months as a new American Express Aeroplan^®* Business Reserve Cardmember.
• Plus, earn 25,000 Aeroplan points^® when you spend $3,500 in month 13.

Earn Aeroplan points that you can redeem in a variety of ways.

• You can earn up to $5,600 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,800 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $2,825 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $5,600 or more in value within your first 13 months. Terms and usage assumptions apply.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.

Make the most out of a full suite of business management tools that give you more control over your business - anytime and anywhere.

• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.

Unlock business travel possibilities to make every work trip one to look forward to.

• Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class
• Enjoy access to select Air Canada Maple Leaf Lounges^™ for you and a guest, and Air Canada Café^™; in North America, with a same day ticket on a departing Air Canada or Star Alliance^®* flight
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services
• Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite^™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade
• Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club

Earn a welcome bonus of up to 70,000 Membership Rewards® points in your first year.

• Earn 50,000 Membership Rewards^® points after spending $7,500 in purchases within the first three months of Cardmembership.
• Plus, earn an additional 20,000 points after spending $30,000 on your Card in your first 12 months of Cardmembership.
• That’s up to $700 in statement credits to reinvest in your business.

Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more. That could add up to $400 in value every year

Earn points that you can redeem in a variety of ways.

• Earn 1 Membership Rewards^® point for every dollar in purchases charged to the Card and get the most out of your business expenses.
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan^®* and Avios.

Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere

• Take advantage of purchasing power that grows with your business with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option
• This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 21.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option Rate will be 29.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.

Access comprehensive insurance coverage for your travel needs.

• Access Travel Emergency Assistance, and up to $100,000 Travel Accident Insurance when you fully charge your tickets to your Business Gold Rewards Card.
• Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Gold Rewards Card.
• Save money when travelling with complimentary Car Rental Theft and Damage Insurance

Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Gold Rewards Card.

• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection^® Plan
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance^® Protection Plan

Access to coverage for mobile devices purchased for business use.

• Access Mobile Device Insurance of up to $1,000 in the event of theft, loss or accidental damage, anywhere in the world, when you fully charge or finance the purchase price of an eligible mobile device on your Business Gold Rewards Card.