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Choice Credit Card from American Express

Choice Card from American Express™

- Earn a Welcome Bonus of 1,500 Membership Rewards® points the first time you use the approved Card
- Earn 1 Point for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants. That's double the points compared to your Card purchases everywhere else
- Earn 1 Point for every $2 in Card purchases everywhere else
- Choose your 5 places from a list of select American Express merchants, including stores, restaurants, hotels and more
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply

4.5 / 5.0 (40 votes)

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Information - Rates - Fees

Intro APR:

2.99%*

Applied Towards:

Purchases

Intro Period:

12 months*

APR:

See terms*

Annual Fee:

$0*

Issuer:

Amex Bank of Canada

Card Network:

American Express

Card Category:

Consumer (Regular)

Card Type:

Instant Decision
Reward Card

Credit Needed:

Good*

Grace Period:

21 days*

Late Payment Fee:

N/A*

Over Limit Fee:

$29.00

Balance Transfers

Balance Transfer:

See terms

Transfer Fee (%):

3.00%

Minimum Fee:

$10.00

Cash Advances

APR on Cash Advances (%):

21.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Other Fees

Additional Fees

- Funds Advance: $2.75 each
- Dishonoured Payment: $25 each
- Monthly Paper Statement: $2 per statement
- Statement Reprint: $3 per statement
- Points Reinstatement: $20 for each reinstatement through Online Services or $30 for each reinstatement through other service channels (plus applicable taxes)
- Balance Transfer/Amex Cheque: up to 3% of the amount of each balance transfer and Amex cheque, if offered, unless reduced for a specific offer.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by CreditCardsLab Canada

The Choice Card from American Express offers cardholders with exclusive benefits without an annual fee and with free supplementary cards. There is also a Fraud Protection Guarantee that protects those cardholders who have protected their information from the consequences of fraudulent purchases.

This is a card that gives cardholders the opportunity to earn points in different ways. For instance, cardholders can choose from a list of American Express merchants to make purchases from and earn double points. All other purchases gain points as usual, but there is no limit to the number of points that can be used and there is no expiration date. If there are supplementary cards on the account, the opportunity to earn more points is there.

Once points are earned, they can be redeemed for shopping and dining, as well as entertainment experiences. Points can be redeemed for gift cards or directly for merchandise. They can also be redeemed for tickets to events. Whether or not redeeming points for tickets. The Front OF The Line Advance Ticket Access program allows for advance ticket purchases and Reserved Ticket Access allows for premium seats that American Express has reserved for their cardholders. Combined with 24/7 customer service, Emergency Card Replacement, and the ability to manage the account online, the full benefits can be realized.

Features

Most attractive:

- Bonus points
- No annual fee

Least attractive:

- Slightly High APR

Rewards & Benefits

Reward Types:

Other Rewards
Universal Rewards

Reward Unit:

Point

Rewards:

- 1,500 Membership Rewards® Bonus points
- 1 Point for every $1 in eligible Card purchases at your 5 places chosen from a list of select American Express merchants.
- 1 Point for every $2 in Card purchases everywhere else

Expiration:

None*

Yearly Limit:

None

Other Benefits:

- Fraud Protection Guarantee
*See Terms and Conditions for more benefits

Online Access:

Yes!

*The information provided for Choice Card from American Express™ is believed to be accurate at the time of evaluation (Aug 7, 2015). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.