Annual fee, billed once a year, unlike the Cobalt which is billed monthly. 2 pts/$1 on eligible Canadian grocery, gas, drugstore and travel; 1 pt/$1 everywhere else, with no published cap on the 2x categories. American Express Travel Online bookings earn 1 additional point per $1 on top of the 2x. Where a merchant code does not match an eligible category the 1x base rate applies. Dining, transit, recurring and entertainment are not bonus categories.

Like the Cobalt, this is a monthly drip rather than a lump sum: 5,000 points for each of the first 12 billing periods in which at least $1,000 of net purchases post. The full 60,000 requires hitting $1,000 every month for a year ($12,000 total). Points that post after a period closes may not count for that period.

LOUNGE ACCESS IS COMMONLY MISREPORTED. The Priority Pass MEMBERSHIP is complimentary (the US$99 fee is waived) but every Priority Pass VISIT is charged at the prevailing rate. The only genuinely free visits are 4 per calendar year at Canadian Plaza Premium Lounges. Supplementary cardmembers do not get the Priority Pass membership at all. The $100 annual travel credit is usable only at time of booking, through American Express Travel Online, on a single booking of $100 or more. NEXUS credit is $50 once every four years. Foreign transaction fee is blank because Amex Canada does not publish one, so do not backfill 2.5%.