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Choice Card from American Express Review

Earn points whenever you shop and redeem them for flexible rewards with this fee-free credit card.

Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
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19.99%

Purchase Interest Rate

$0

Annual Fee

Details

Product NameChoice Card from American Express
RewardEarn 1 American Express Membership Point for every $1 you spend on purchases. Charge an eligible purchase to your card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
Welcome OfferEarn 10,000 Bonus Membership Rewards points when you charge $1,000 in purchases to your card within the first 3 months as a new Cardmember.
Purchase Interest Rate19.99%
Cash Advance Rate23.99%
Balance Transfer RateN/A
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More Info

The Choice Card from American Express is a fee-free credit card that lets you earn points whenever you make purchases. Earn 1 American Express Membership Point for every $1 you spend on purchases. Charge an eligible purchase to your card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit). The main downside of this card is that it comes with no additional benefits or insurance.

30-second take

  • Get this card if you want to earn points for every dollar you spend but you’d rather not pay an annual fee.
  • Choose something else if you want a higher return on rewards or you would prefer extra benefits such as travel insurance or purchase protection.
  • There are no minimum income requirements to apply for this card.

The basics

If you’re looking for a basic fee-free card that lets you earn points whenever you shop, you might be interested in the Choice Card from American Express.

  • No annual fee. You won’t have to pay an annual fee to maintain this card.
  • Earn points. Earn 1 American Express Membership Point for every $1 you spend on purchases. Charge an eligible purchase to your card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
  • Welcome bonus. Earn 10,000 Bonus Membership Rewards points when you charge $1,000 in purchases to your card within the first 3 months as a new Cardmember.
  • Flexible points. Redeem your points for flexible rewards such as travel, merchandise, statement credits or Amazon purchases.
  • Free additional cards. Order up to nine additional cards on your account for no extra fee.

The perks

  • Entertainment access. Get access to special offers for music, dining, entertainment and exclusive events offered by American Express.
  • Fraud protection. Relax knowing that you won’t have to pay for fraudulent purchases on your account with the Amex Fraud Protection Guarantee.
  • Emergency card replacement. Get a new card shipped out to your location whenever you report your credit card lost or stolen (even if you’re travelling overseas).
  • 24/7 customer service. Call the Amex customer service line at any time of day or night to report and resolve issues with your account.
  • Easy to qualify. You won’t need to meet annual income requirements or other eligibility criteria to qualify for this card.

What to watch out for

  • High interest. Interest rates range between 19.99% and 23.99% for any outstanding purchase balance you leave on your card.
  • No basic insurance. You won’t get purchase protection or extended warranty coverage with this card (which is unusual even for a fee-free card).
  • No travel insurance. This card doesn’t come with any form of travel medical, trip interruption or baggage insurance to cover you when you travel overseas.
  • No additional benefits. There are no supplementary benefits such as mobile device insurance, roadside assistance or car rental insurance included with this card.
  • Few airport perks. You won’t get additional airport perks such as priority boarding or airport lounge access with this card.

What should I know before I apply?

Eligibility requirements

To apply for a Choice Card from American Express, you’ll need to meet the following criteria:

  • Be a Canadian citizen or resident who is at least 18 years old (19 in some provinces)
  • Have a Canadian credit file or credit history

You will also need to provide the following documents and information:

  • Your name, residential status and contact information
  • Your Social Insurance Number and date of birth
  • Your email address and phone number

How to apply

  1. Click the green ‘Go to site’ button above to be securely redirected to the online application for the Choice Card from American Express.
  2. Click “Apply now” and complete the application, which includes providing your name, email address, Social Insurance Number and birth date.
  3. Review and submit your application or call the American Express toll-free hotline if you have questions.

Bottom line

The Choice Card from American Express is a basic credit card that lets you earn points when you make purchases. Rewards are flexible and you’ll also get access to a handful of exclusive perks that only American Express cardholders can take advantage of. The main downside of this card is that it offers no additional benefits or insurance.

Frequently asked questions about the Choice Card from American Express

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