To apply for the American Express Gold Card in Canada, you can follow these steps:

1. Visit the American Express Canada website: Go to the American Express Canada website and find the American Express Gold Rewards Card.
2. Click on “Apply Now”: Once you’ve found the card, click on the “Apply Now” button. Apply Now button on American Express Canada website
3. Complete the Application Form: The application form will ask for your personal information, including your name, address, date of birth, Social Insurance Number (SIN), and employment information. American Express Gold Card application form
4. Provide Financial Information: You’ll also need to provide information about your income and expenses, including your annual income and monthly housing costs.  
5. Review and Submit: Once you’ve completed the form, review all the information and make sure it’s accurate. Then, submit your application.
6. Wait for a Decision: After you submit your application, American Express will review it and make a decision. You may receive a decision within a few minutes or it may take a few days.
7. If Approved, Activate Your Card: If your application is approved, you’ll need to activate your card. You can usually do this online or by calling American Express.  

Card Score and Conclusion

Let’s evaluate the card based on several criteria:

• Rewards: 2/10 – The rewards are weak compared to competitors.
• Insurance: 4/10 – Lacks comprehensive coverage, especially for the price.
• Perks: 9/10 – Travel perks are strong, especially for frequent travelers.

Overall, the Amex Gold Card scores a 5/10, placing it in the D tier. While the signup bonus is attractive, the card’s main draw is its travel perks. If you don’t travel frequently, the card’s value diminishes significantly. It seems more of a status symbol, a “poor man’s platinum card,” rather than a practical financial tool.

Final Thoughts

The American Express Gold Card is a mixed bag. It offers a compelling signup bonus and decent travel perks but falls short in rewards and insurance coverage. It’s best suited for those who can fully utilize its travel benefits. Otherwise, it may just serve as a flashy metal card to show off.

For those considering the card, the best strategy might be to leverage the signup bonus and travel perks in the first year and then reassess its value before renewing. As always, consider your spending habits and travel frequency to determine if this card aligns with your financial needs.

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