Choice Card from American Express™

The Choice Card from American Express comes with a variety of benefits and without an annual fee. This is a card that offers a Welcome Bonus of Membership Rewards points after the first card use. After this bonus, bonus points are earned for purchases made at a number of places that are chosen from American Express's list of merchants. This is double the points earned compared to purchases made everywhere else.

There is also an introductory interest rate that lasts for a specific period of time. After this period, the card rate changes to its regular rate on purchases. The rate for cash advances is higher and remains the same for the life of the card. If there is a person who needs to be designated as a supplementary cardholder, those cards are free.

When earning points on the card, there is no limit to how many points can be earned. The points also never expire, which means a cardholder can collect points as long as they want to before redeeming them. When choosing merchants to earn double points from, cardholders choose from a list of restaurants, stores, hotels, airlines, cruise lines, and even car rental companies. More points can even be added when adding supplementary cards to the account for free.

When wishing to redeem points, they can be redeemed for top brand merchandise, travel, show tickets, gift certificates, gift cards, and much more. There is so much available that the cardholder can treat themselves and also treat a friend or a family member.

Those that like shopping and dining experiences can experience them affordably by redeeming points. There are a number of $50 gift cards that can be chosen from for both stores and restaurants. Cardholders can also redeem directly for merchandise made by some of the top manufacturers. The list is always subject to change, but does include some of the most popular brands and products on the market today.

Cardholders can also use their points to create their own entertainment experiences. This is done by redeeming for movie tickets, concert tickets, time at the golf course, plays, sporting events, and so much more. If traveling to attend these events or traveling anywhere for any reason, there are travel benefits. TripFlex rewards allow you to redeem points after charging travel purchases to the card. It is even possible for taxes and fees to be covered by the points. If staying in a hotel, points can be transferred to specific hotel rewards programs so that cardholders can save even more. If driving, points can be redeemed for gas cards to save on fuel costs and a Plaza Premium Lounge Pass to take advantage of what the lounge has to offer.

If attending a concert or other event, qualifying events allow for Front Of The Line Advance Ticket Access, which is the ability to purchase tickets in advance. There is also a benefit called Reserved Ticket Access, which is the ability to buy tickets for very good seats from a block of seats already reserved by American Express for American Express cardholders.

Add all of this to the World Class Service and the card is one that cares for the entertainment, traveling, and shopping needs of cardholders. This World Class Service includes 24/7 customer service, Emergency Card Replacement, and the ability to manage the account online. When managing the account online, cardholders are able to check balances, pay the balance off, sign up for account alerts, and track transactions. Email updates can inform cardholders of discounts, merchant deals, events, and much more. Lastly, the Fraud Protection Guarantee protects cardholders against fraudulent purchases when they have taken measures to protect their information but it has been compromised anyway.

To be eligible for this card, applicants must be residents of Canada, the age of majority within the respective territory or province of residence, an income of at least $15,000 per year, and no bankruptcies within the past 7 years. If these qualifications are met, then the application can be conveniently completed online.

Disclaimer: This content is not provided or commissioned by American Express Canada. Opinions expressed here are author's alone, not those of AMEX Canada, and have not been reviewed, approved or otherwise endorsed by American Express Canada.

The review prepared by CreditCardsCo™ Canada