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Gold Rewards Card
CANADA CREDIT CARD

Gold Rewards Card

American Express Canada · Annual fee CA$250 CAD · Membership Rewards Points · data refreshed October 3, 2026

Quick answer: The Gold Rewards Card carries a CA$250 annual fee and 15 catalogued benefits, 2 of them dollar credits worth CA$112.50 a year at face value; its best earning category is Groceries at 2x. Welcome offer: Earn up to 60,000 Membership Rewards points in your first year. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Groceries2x2.8%
Gas2x2.8%
Drugstores2x2.8%
Travel2x2.8%
Everything else1x1.4%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (2)

$100 Annual Travel Credit

CA$100/yr
AnnualResets on card anniversary

$100 annual travel credit applicable toward a single travel booking of $100 or more made through American Express Travel Online, including flights, hotels, car rentals, and vacation packages. Renews on card anniversary date.

$50 NEXUS Credit

CA$12.50/yr
Every 4 years

$50 CAD statement credit for NEXUS application or renewal fee when charged to the card. Available once every four years.

Status & Elite Perks (2)

Plaza Premium Lounge Access

CA$120/yr
AnnualResets January 1

Four complimentary visits per calendar year to Plaza Premium Lounges across Canada. After four complimentary visits, cardmember may continue to visit lounges at the prevailing usage fee. Supplementary cardmembers are not eligible unless accompanying the basic cardmember.

Priority Pass Select Membership

CA$99/yr
AnnualResets January 1

Complimentary Priority Pass Select membership with annual fee waived (valued at $99 USD). Individual lounge visits are subject to a usage fee at the prevailing rate. Enrollment required by calling Card Services at 1-800-668-AMEX.

Protections (10)

Travel Emergency Medical Insurance

CA$75/yr
Annual

Out-of-province/country emergency medical insurance providing up to $5,000,000 in coverage for the first 15 days of any trip, for cardholders under age 65. Coverage includes emergency medical treatment, hospitalization, and emergency evacuation.

Rental Car Insurance

CA$75/yr
Annual

Rental car collision and loss damage insurance for vehicles with an MSRP of up to $85,000, for rental periods up to 48 consecutive days. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.

Trip Cancellation Insurance

CA$50/yr
Annual

Trip cancellation insurance covering non-refundable and non-transferable portions of travel arrangements if you cancel for a covered reason, up to $1,500 per insured person per trip, to a maximum of $3,000 for all insured persons combined. Travel must be charged to the card.

Trip Interruption Insurance

CA$50/yr
Annual

Trip interruption insurance covering unused portions of travel arrangements when a trip is interrupted for a covered reason, up to $1,500 per insured person per trip, to a maximum of $6,000 for all insured persons combined. Travel must be charged to the card.

Flight Delay Insurance

CA$25/yr
Annual

Flight delay insurance providing up to $500 for reasonable expenses including meals, accommodations, and essential items when a flight is delayed 4 or more hours and no alternate transportation is available. Airline tickets must be charged to the card.

Baggage Insurance

CA$25/yr
Annual

Baggage insurance providing up to $500 for emergency purchases when checked baggage is delayed 6+ hours, or up to $500 for lost or damaged baggage during a trip where the common carrier fare was charged to the card.

Purchase Protection

CA$25/yr
Annual

Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence.

Extended Warranty

CA$25/yr
Annual

Extended warranty coverage that doubles the original manufacturer's warranty period. Coverage up to $10,000 per item and $25,000 per year in total claims. Items must be purchased entirely with the card.

Travel Accident Insurance

CA$10/yr
Annual

Travel accident insurance providing up to $250,000 in accidental death and dismemberment coverage when the full fare for a common carrier is charged to the card.

Hotel Burglary Insurance

CA$10/yr
Annual

Hotel/motel burglary insurance providing up to $500 per occurrence for loss of personal property due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.

Other (1)

Free Additional Gold Card

CA$50/yr
Annual

One free additional Gold Rewards Card for a family member or authorized user (a $50 annual value), helping you earn Membership Rewards points faster.

How to track it

Add the Gold Rewards Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other American Express Canada cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.