American Express Gold Rewards Card
Last updated:
$150/year
Earn 40,000 MR points
Earn 40,000 Membership Rewards points when you spend $3,000 in the first 3 months.
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Key Details
Annual Fee
$150
Network
amex
Credit Required
good, excellent
Reward Type
travel, points
Rewards Earn Rates
1x
Groceries
2x
Gas
1x
Dining
2x
Travel
1x
Everything Else
Highlights
- 2x points on travel and gas
- 1x on everything else
- Transfer to Aeroplan, Marriott, Hilton
- Strong travel insurance
Pros & Cons
Pros
- + Flexible Membership Rewards points
- + 2x on travel, gas, and select partners
- + Transfer to airline/hotel partners
- + Solid travel insurance package
Cons
- – $150/year annual fee
- – Amex acceptance limitations
- – Lower earn than Cobalt for dining/groceries
Who Is This Card For?
The American Express Gold Rewards Card is best suited for Canadians who prioritize travel, points, flexible-rewards spending. At $150/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
Extended Warranty
Purchase Protection
90 days
Insurance Coverage Details
Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
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Pros
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Cons
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.