American Express Personal Gold

The Amex Personal Gold card earns Membership Rewards points on all purchases and is available to individuals in Canada.

This card has an annual $100 travel credit, a $50 NEXUS credit, and four complimentary Plaza Premium airport lounge passes per year.

Earning Rewards

The Amex Gold card earns Membership Rewards (MR) points for all purchases made on the card:

  • 3 Membership Rewards points for every dollar spent on American Express Travel Online purchases.
  • 2 Membership Rewards points for every dollar spent on gas, at grocery stores, and drugstore purchases in Canada.
  • 2 Membership Rewards points for every dollar spent on eligible travel purchases including air, water, rail, or road transport, lodging, and tour operator sales.
  • 1 Membership Rewards point for every dollar spent on all other eligible purchases.

Redeeming Rewards

The best use for Membership Rewards is to transfer them to a variety of airline and hotel partners for your next redemption:

  • Transferrable at 1:1 ratio: Aeroplan Points, British Airways Avios, Hilton Honors
  • Transferrable at 1:0.75 ratio: Alitalia MilleMiglia, Cathay Pacific Asia Miles, Delta Skymiles, Eithad Guest, Flying Blue
  • Transferrable at 1:1.2 ratio: Marriott Bonvoy

You can also redeem Membership Rewards points for statement credit however this is not often a great way to get the most value out of your points.

Benefits

Amex Gold cardholders receive a $100 travel credit upon approval, and every anniversary year thereafter. This credit can be applied towards a single travel booking made through Amex Travel. This travel credit can also be turned into cash through the refundable hotel trick, where you make a fully-refundable hotel booking and then cancel once you receive the travel credit on your statement. You will receive the refund for the hotel and the travel credit will remain on your statement.

Cardholders are eligible to receive a $50 statement credit towards membership in the NEXUS program. This credit is available upon approval, and every four years thereafter. This credit will cover the entire cost of the NEXUS application fee, making it a no-brainer to apply for the program.

Cardholders are eligible to receive four complimentary visits to Plaza Premium lounges each calendar year. These complimentary visits can be applied towards airport lounge access for both the cardholder and their guests. The cardholder will need to present their American Express Gold credit card in order to redeem their free lounge visits.

American Express Gold cardholders receive 10% off Hertz rental car bookings and the additional driver fee is waived when booking through the following link. Cardholders will also receive a one-car-class upgrade for rentals of 5+ days where possible.

Insurance Coverage

The American Express Gold credit card offers eleven types of insurance coverage:

  • Emergency medical insurance
  • Trip cancellation coverage
  • Trip interruption coverage
  • Travel emergency insurance
  • Travel accident coverage
  • Rental car theft and damage insurance
  • Lost or stolen baggage coverage
  • Baggage delay and flight delay insurance
  • Hotel burglary insurance
  • Purchase protection
  • Buyers assurance protection

Refer to the American Express Personal Gold insurance certificate for additional details, including terms and conditions for eligibility.

Other Membership Rewards Cards You Might Consider

Credit Card Welcome Bonus Net Value
American Express Personal Platinum 90,000 Membership Rewards $1,281 Apply
American Express Cobalt 30,000 Membership Rewards $504 Apply
American Express Green 10,000 Membership Rewards $220 Apply

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