The card and the perks
- An Amex is the only card that comes with a concierge and an attitude.
- Why the centurion? Someone has to guard the annual fee.
- My Amex earns points and loses friends at restaurants with "cash only" signs.
- A gold card is a silver card that went to business school.
- The black card is heavy, which is the point.
At the counter
- I presented my Amex. The cashier pointed at the "cash only" sign. We had a moment.
- Why does Amex cost more to accept? Because it can.
- My Amex's favourite phrase is "member since," which is a humble brag in four words.
- An Amex doesn't have a limit, it has "a conversation."
- The statement arrives, the points arrive later, the regret arrives in between.
Save thousands
Save thousands by refinancing your vehicle anywhere in Canada.
Free to apply, no obligation, and no credit check to pre-qualify.
Frequently asked questions
Yes, all family-friendly.
A well-managed Amex builds credit like any card. On-time payments and low utilization matter most.
Yes, if you have vehicle equity, an auto refinance can replace high-rate card debt with a lower-rate loan.