American Express Membership Rewards (Can)

Amex provides a variety of cards that offer MR points. It's important to note that these cards usually offer WB only once throughout your lifetime. Additionally, keep in mind that you can only have up to four (4) credit cards at a time. If you're interested in earning referral bonuses, you can refer to the Multiplayer Mode guide for more information.

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You are unable to transfer MR points between different users. However, you can link points from various cards to accumulate in the same MR account, making it easier for redemption purposes. This can be done through chat or phone. It's important to note that when linking MR accounts, the MSR counter will be reset.

You can use MR points to get discounts on your card purchases. Every 1,000 points can be redeemed for $10 towards eligible purchases. You can also use points for Amazon or PayPal purchases, with 1,000 points equal to $7.

If you prefer to use your points for travel, Amex has the Fixed Points Travel Program. You can redeem points at a fixed rate based on your destination, up to a certain maximum price for the ticket.

For the Platinum and Gold cards, there's a trick called the refundable hotel trick to convert travel credits into cash. You can book a refundable travel reservation on the Amex Travel website and receive a credit on your account. Then, you can cancel the booking and get a statement credit instead.

You can convert your MR points into airline and hotel loyalty programs at specific ratios. Each conversion requires a minimum of 1,000 points. It's important to make sure that the account names in your MR account match with those in the airline or hotel loyalty account.

Airline partners

• Air Canada Aeroplan 1:1

• Air France-KLM Flying Blue 1:0.75

• Cathay Pacific Asia Miles 1:0.75

• British Airways Executive Club 1:1

• Delta SkyMiles 1:0.75

• Etihad Guest 1:0.75

Hotel partners

• Hilton Honors 1:1

• Marriott Bonvoy 5:6

International transfer

Furthermore, you have the option to transfer your MR points to another MR account in a different country. This can be helpful if you want to access different transfer partners. However, please note that there may be foreign exchange rates involved or a conversion ratio of 1:1, depending on which option is less favorable.

MR points will not expire if you have a card that earns MR points. However, if you close your account, your points will be automatically lost, unless you link them to another active card.

I have previously held X card, am I able to get the WB again?

• Officially, Amex WB is usually offered only once in a lifetime. However, some reports suggest that the lifetime counter may reset after 7 years. There might also be a chance of getting the WB again before the 7-year mark. YMMV. There is no value in asking for DP.

I closed/received WB for X card Y years ago, how likely will I get the WB again?

• It's not possible to predict with certainty. The closer you are to reaching 7 years since receiving the WB, the higher the chances of getting it again. However, the likelihood is not something that can be measured or quantified. YMMV. There is no value in asking for DP.

I am a supplemental user on my partner's X card, will I get the WB if I apply as the primary cardholder?

• Being a supplemental user on someone else's card does not impact your eligibility for your own WB. It is assessed separately.

I previously held the Scotiabank Platinum/Gold American Express Card, am I eligible for the WB on the American Express Platinum/Gold Card?

• The Scotiabank Amex cards are issued by Scotiabank and are not directly related to the Amex Bank-issued cards like the American Express Platinum/Gold Card. Although they both use the Amex payment network, they are separate entities and the previous card does not affect your eligibility for the WB on the Amex Bank-issued cards.

I currently hold the Scotiabank X Amex Card(s), does that affect my 4 credit card limit?

• The restriction of holding only 4 credit cards at a time applies specifically to credit cards issued by Amex Bank and does not include all cards that use the Amex payment network. So, your Scotiabank Amex cards would not count towards the limit imposed by Amex Bank.