[American Express] Existing Customers – Amex Cobalt – Upgrade to Gold and earn up to 90,000 – YMMV

Upgrade and earn up to $900 in value.2

Great news! You’re pre-approved to upgrade to the American Express® Gold Rewards Card.**

From June 12 – August 18, 2025

Upgrade and earn up to

90,000

Welcome Bonus points.1

Annual fee: $250

Call the number on the back of your current Card
to upgrade now.

Here’s how to earn your Welcome Bonus:

Earn

70,000

Membership Rewards® points

when you spend $3,000 on your Gold Card in the first 3 months of Cardmembership.1

Plus

20,000

Membership Rewards points

when you make a purchase between 15 and 17 months of Cardmembership.1

That’s $900 in value

towards an extraordinary adventure!2

Terms and Conditions
*Other offers may be available for this Card on americanexpress.ca and other select channels where spend requirements or Welcome Bonus amounts may differ.

**The pre‑approved offer is extended to you on the basis of your credit history and other financial information that is known to us, including your income. American Express reserves the right to withdraw or change this offer and decline your application if since being selected for this offer, we become aware of any unfavourable information, any adverse change in your financial position, credit score, eligibility criteria or any adverse change in your account status with us. Your account(s) must be in good standing. This pre‑approved offer is valid for 14 days from the date you were sent this offer. This offer is only valid to the person whom it is addressed and is not transferable.

Pre-approval is not a guarantee of approval. Final approval for this Card is subject to successful completion of a credit assessment, and identity verification checks. If you upgrade within 14 days from the date of this email but after the limited time offer has ended for this Card, you will be pre-approved to upgrade for the Gold Card offer available at that time.

1. Welcome Bonus – Account must be in good standing. To qualify for the 70,000 bonus Membership Rewards points, you must have at least $3,000 in net purchases posted to your account in your first 3 months of Cardmembership. Please allow up to 24 hours after upgrading for eligible spend to qualify for the Welcome Bonus. Please allow up to eight weeks for the Welcome Bonus to be awarded. Membership Rewards points will be earned by the Basic Cardmember on the amount of purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Offer subject to change at any time.

Fifteen‑Month Bonus – To qualify for the additional 20,000 points, one (1) purchase of at least $1.00 must be charged to your Card between 15 and 17 months of Cardmembership and subsequently posted to your account. For example, if you completed your 12th month of Cardmembership on July 1, 2026, you would have to make a purchase between September 1, 2026 and no later than December 1, 2026 to be eligible for the 20,000 bonus points. Please allow up to eight weeks after earning your Membership Rewards points for your Membership Rewards account to be updated. Membership Rewards points will be earned by the Basic Cardmember on the amount of purchases, less credits and adjustments. Interest charges, annual fees, other fees and cash equivalent transactions are not purchases and do not qualify for Membership Rewards points. Offers are subject to change at any time.

Current or former Cardmembers with this Card are not eligible for this offer. If we determine you have engaged in any abuse related to the offer and/or program and/or you are not eligible for the offer, we reserve the right to forgo issuing the Welcome Bonus, deduct it from your account, and/or cancel your Card account(s) and you will not be eligible for a fee refund. Abuse can include but is not limited to, applying for multiple Cards to earn points, applying for or transferring to a new Cobalt Card after upgrading, canceling or downgrading your Card within 14 months of acquiring it, or canceling or returning purchases you made to earn points. Please refer to the Membership Rewards Terms & Conditions (americanexpress.com/en-ca/rewards/membership-rewards/terms) for other examples of abuse related to the program and for further detail on the consequences of abuse in relation to the program.

2. You can redeem Membership Rewards points for a statement credit towards an Eligible Purchase charged to an Eligible Card. All Eligible Purchases: 1,000 points = $10 statement credit. You must redeem a minimum of 1,000 points per redemption. Eligible Purchases include purchases made at American Express® merchants and charged to an Eligible Card. Funds advances, fees, balance transfers, Amex cheques and charges for travellers cheques are not Eligible Purchases. American Express may make changes to the types of purchases that are eligible for redemption with Use Points for Purchases at any time without notice. Eligible Cards are Consumer and Small Business Cards enrolled in the Membership Rewards program. Statement credits on your Card Account should not exceed the aggregate amount of the Eligible Purchase(s) on your Eligible Card. You can register for Online Services to view your Eligible Purchases and to redeem online. Only Eligible Purchases posted to your Card Account during the last 3 months, up to 150 most recent Eligible Purchases, will be displayed for redemption. If you wish to redeem points towards an Eligible Purchase within the last 12 months that is not displayed online, please contact us at the number listed on the back of your Card.

3. $100 CAD Annual Travel Credit – The $100 CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at americanexpress.ca/travel. Travel booking must be charged to your American Express Gold Rewards Card. Account must be in good standing. If you choose to use the Annual Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one (1) Annual Travel Credit each year based on Cardmembership anniversary date, towards a single travel booking of $100 or more, and will appear on your billing statement as “$100 Annual Travel Credit”. Unused Annual Travel Credits expire and cannot be used in future years. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

4. Valid at participating hotels for new bookings of at least two consecutive nights made through americanexpress.ca/travel or americanexpress.ca/THC. Payment must be made in full with an eligible American Express Card in the Canadian Gold Rewards Cardmember’s name at time of checkout. The Gold Rewards Cardmember must travel on the itinerary booked. (1) The Cardmember will receive the $100 USD credit as deduction from the final hotel bill when checking out of the hotel; $100 USD. Amenities vary by property and facilities available. To receive the credit, the eligible spend must be charged to your hotel room and the credit will be applied at check‑out. Eligible charges must be charged to the room and exclude charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restriction may also apply including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties – see hotel front desk for details. Credit must be used in conjunction with initial stay and cannot be carried over to another stay. Offer is not redeemable for cash and expires at check‑out. Credit is non‑exchangeable and non‑refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offer or programs unless indicated. Limit one credit per room, per stay. (2) A one category room upgrade is based on availability and eligibility at check‑in to the hotel. 12pm check‑in and late check‑out are based on availability and eligibility at check‑in to the hotel. Three‑room limit per Cardmember per stay. Back‑to‑back stays booked by a single Cardmember, Cardmembers staying in the same room or Cardmembers travelling in the same party within a 24‑hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Participating hotels and benefits subject to change.

5. American Express Gold Rewards Cardmembers are eligible to receive a $50 CAD statement credit every four (4) years for the application or renewal fee for the NEXUS program when charged to an eligible Card. Only one statement credit per account per four (4) year period may be issued, regardless of whether the NEXUS fee is charged on the Basic or Supplementary Card. American Express will not provide a statement credit for subsequent NEXUS application or renewal fees charged to the same eligible Card within the same four (4) year period even if the original application is rejected. The first four (4) year period runs from the initial Card anniversary date until the day before the fourth (4th) Card anniversary date. American Express has no control over the application and/or approval process for the NEXUS program and does not have access to any information provided to the government by the Cardmember or by the government to the Cardmember. American Express has no liability regarding the NEXUS program. American Express and the Canada Border Services Agency (CBSA) are separate and independent legal entities, neither of which is endorsing the other. The NEXUS program is run by CBSA and the U.S. Customs and Border Protection independently (without administration by American Express). For additional information on the NEXUS program, please visit cbsa-asfc.gc.ca/prog/nexus/term-eng.html. The NEXUS program is subject to change, and American Express has no control over those changes.

◊ Official mark and/or trademark of Her Majesty as Represented by the Minister of Public Safety and Emergency Preparedness, used under license.

TM, ®: Used by Amex Bank of Canada under license from American Express.

Sent from Amex Bank of Canada, P.O. Box 3204, Station “F”, Toronto, ON M1W 3W7. You can contact us or verify with us the authenticity of this e-mail by visiting