Best American Express Credit Cards in Canada – July 2025

American Express^®* Aeroplan^® Reserve Card

With this welcome offer for the American Express® Aeroplan®* Reserve Card, you can earn up to 130,000 Aeroplan points. Here’s how:

• Earn 60,000 points after you spend $7,500 on your Card in your first 3 months of Cardmembership
  
• Plus, earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Cardmembership
  
• You can also earn 30,000 points when you make a purchase between 15 and– 17 months of Cardmembership

Take advantage of this exceptional offer before August 18, 2025!

With this Amex Aeroplan Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2x the points on Dining and Food Delivery purchases in Canada. Everywhere else, you will earn 1.25X the points.

With this Amex Aeroplan Premium Card, you receive many Air Canada travel benefits, such as access to Maple Leaf Lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling. It’s the best Amex Aeroplan Card for frequent Air Canada flyers.

With this American Express Aeroplan Card, enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotiabank Gold American Express^® Card

The Scotiabank Gold American Express® Card only requires a minimum income of $12,000, making it accessible to the greatest number of people.

Until October 31, 2025, you can get up to 50 000 Scene+ points in bonuses, distributed as follows:

• 20,000 Scene+ points with $2,000 in net purchases in the first 3 months
• 30,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $500 for travel (including Airbnb). Plus, the card is free for the first year!

With the Scotiabank Gold American Express® Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

• Grocery stores
• Restaurants
• Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The American Express Gold Card from Scotiabank also offers no foreign currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits such as the Avant-première program.

American Express Cobalt^® Card

The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.

The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.

You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

• 15,000 Aeroplan points
• 15,000 Avios points
• 11,250 Flying Blue Miles
• 18,000 Marriott Bonvoy points

With the American Express Cobalt® Card, you can earn between 1 and 5 points per dollar:

This is a 1 to 5% return on all these purchases.

For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express Platinum Card^®

The Platinum Card® is the best Premium Card in Canada for travellers.

With this welcome offer, you can earn up to 180,000 Membership Rewards points:

• 100,000 points when you charge $10,000 in net purchases to your Card in the first 3 months after signing up;
• 50,000 additional points after a total of $50,000 in net purchases during the first 12 months;
• 30,000 points if you make a purchase between 15 to 17 months after signing up.

This exceptional offer ends on August 18, 2025, so don’t miss out!

With this Card, you get:

• 2 points per dollar for dining purchases
• 2 points per dollar on travel purchases
• 1 point per dollar for other purchases

You can use your Membership Rewards points in many ways:

• Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta Skymiles, etc.
• Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
• Redeem points for statement credits towards other purchases (1,000 points = $10)
• And more!

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 180,000 Aeroplan points
• 180,000 Avios
• 135,000 Flying Blue Miles
• 216,000 Marriott Bonvoy points

With this card, you also have advantages for your travels:

• $200 Annual Travel Credit
• $200 Annual Dining Credit
• $100 NEXUS Card Statement Credit
• Complimentary & unlimited access for you and one additional traveller to over 1,400 airport lounges in more than 130 countries
• Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
• Marriott Bonvoy Gold Elite status
• Access to the Fine Hotels and Resorts program

Last but not least, the Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Gold Rewards Card

Earn up to 110,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s $1,100 worth of travel or any purchase charged to the Card:

• 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year);
• 30,000 additional points after you have charged a total of $20,000 to your Card in your first 12 months of membership;
• 20,000 additional Membership Rewards points when you make a purchase between the 15th and 17th month of membership.

Offer ends August 18, 2025.

You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 110,000 points Aeroplan
• 110,000 Avios
• 82,500 Flying Blue Miles
• 132,000 Marriott Bonvoy points

With this Card, you get many benefits like:

• $100 annual travel credit
• Priority Pass membership and 4 complimentary Plaza Premium visits per year
• $50 NEXUS credit

You earn 2 points per dollar for travel purchases, and at:

• gas stations
• grocery stores
• drugstores

And 1 point per dollar everywhere else.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Green Card

Do you want a cash back credit card with no annual fee that earns travel points? Here’s an option for you: American Express® Green Card.

By signing up for the American Express® Green Card, you can earn 10,000 Membership Rewards Welcome Bonus Points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. This is a $100 value for travel or any purchase on the Card.

You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning:

• 10,000 Aeroplan points
• 10,000 Avios points
• 7,500 Flying Blue Miles
• 12,000 Marriott Bonvoy points

That’s a nice welcome bonus for a credit card with no annual fee.

You’ll also have access to online promotional offers to earn points or rebates on your purchases with this no annual fee credit card.

Like all American Express Canada Cards, there is no minimum income requirement.

Marriott Bonvoy^® American Express^®* Card

The Marriott Bonvoy® American Express®* Card is the best credit card for free hotel nights.

With this welcome offer, you can earn up to 110,000 Marriott Bonvoy points:

• Earn 65,000 points after you spend $3,000 on your Card in your first 3 months of Cardmembership.
• Earn an additional 30,000 points after you spend a total of $20,000 on your card in your first 12 months of Cardmembership.
• Plus, earn 15,000 points when you make a purchase between 15 and 17 months of Cardmembership.

Take advantage of this exceptional offer before August 18, 2025!

It’s a card we recommend you keep, because each year at renewal, you’ll get an annual one-night free certificate worth 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy status.

With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties and 2 points per dollar on all other purchases.

Last but not least, this Card comes with a wide range of insurances : baggage delay, baggage loss or theft, $500,000 travel accident, flight delay, hotel/motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Aeroplan^®* Card

With this welcome offer for the Aeroplan American Express Card, you can earn up to 40,000 Aeroplan points. Here’s how:

• Earn 30,000 Aeroplan points after charging $3,000 to your Card in the first 3 months.
• Plus, earn an additional 10,000 Aeroplan Points when you spend $1,000 in the 13th month.

With this Card, you earn 2X the points on purchases made directly with Air Canada and Air Canada Vacations.

And 1.5x the points on Dining and Food Delivery purchases in Canada. Anywhere else, you will earn 1X the points.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

SimplyCash^® Preferred Card from American Express

SimplyCash® Preferred Card from American Express is the only credit card in Canada offering 2% cash back on all purchases. In addition, you get :

• 4% cash back on gas purchases
• 4% cash back on grocery purchases

With this welcome offer, you can earn 10% cash back on all purchases (up to $2,000) for the first 3 months, or up to $200. Plus, receive a $50 credit on your account after making a purchase in the 13th month.

SimplyCash® Preferred Card from American Express is particularly appreciated by those with major purchases to make: renovations, furniture or appliance purchases, since it offers 2% in all stores.

This Card is distinguished by the many insurances it offers : rental car theft and damage, $100,000 travel accident, emergency medical expenses (out of province or country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotiabank Platinum American Express^® Card

For a limited time, by subscribing to Scotiabank Platinum American Express® Card, you can earn up to 80,000 points. That’s a value of $800 for trips including Airbnb.

With Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all your purchases. You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). And you can also use them for other rewards in the Scene+ program, such as cash back.

What’s more, with this card you pay no fees for foreign currency transactions, and you get 10 free accesses to airport VIP lounges like Priority Pass and Premium Plaza.

And you get excellent insurance for your travels or purchases, concierge service, and exclusive American Express Offers (American Express Invites Program).

Scotiabank American Express^® Card

Scotiabank American Express® Card is one of the best no-annual-fee credit cards in Canada.

For a limited time, you can earn up to 7,500 points in the first three months, which represents a value of $75 for travel (including Airbnb) :

• 2,500 Scene+ points after $250 spent in the first three months
• 5,000 Scene+ points after spending $1,000 in the first three months

With Scotiabank American Express® Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you get 2 points per dollar for:

• Grocery stores
• Restaurants
• Entertainment centers
• Gas stations
• local transportation
• streaming services

And 1 point per dollar of purchase for all other purchases.

These points can be used against any travel purchase (air tickets, hotels, all-inclusives and even Airbnb) or with Scene+ partners for cash back.

Business Platinum Card^® from American Express

Earn up to 200,000 points with this welcome offer for the Business Platinum Card from American Express :

• 110,000 Membership Rewards points after charging $15,000 in net purchases to your Card in the first 3 months of signing up
• 60,000 Membership Rewards points after you have charged a total of $90,000 to your Card in the first 12 months of membership
• 30,000 additional points if you make a purchase between the 15th and 17th month following sign up

You can use your Membership Rewards points in many ways:

• Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
• Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
• Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
• And more!

200,000 points have a minimum value of $2,000 for a Statement credit, and much more if you transfer your points to partners.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

• 200,000 Aeroplan points
• 200,000 Avios
• 150,000 Flying Blue Miles
• 240,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

• Complimentary & unlimited access for you and one additional traveller to over 1,400 airport lounges in more than 130 countries.
• $200 Annual travel credit
• $100 Card Statement Credit for Nexus
• Marriott Bonvoy Gold Elite status
• Hilton Honors Gold Elite status
• Access to the Fine Hotels and Resorts program
• Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Aeroplan^®* Business Reserve Card

With this welcome offer for American Express® Aeroplan®* Business Reserve Card, you can earn up to 140,000 Aeroplan points.

Here’s how:

• Earn 65,000 points after you spend $10,500 on your Card in your first 3 months of Cardmembership
• Earn an additional 45,000 points after you spend a total of $75,000 on your Card in your first 12 months of Cardmembership.
• Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership.

Take advantage of this exceptional offer before August 18, 2025!

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

American Express^® Business Gold Rewards Card^®

Earn up to 100,000 Membership Rewards points* with the best welcome offer of the year for the American Express Business Gold Rewards Card:

• 40,000 Membership Rewards points after $7,500 in purchases in the first 3 months
• 40,000 additional Membership Rewards points after a total of $30,000 in purchases during the first 12 months
• 20,000 bonus points if you make a purchase between the 15th and 17th month

The offer ends on August 18, 2025, so don’t miss out!

With this Card, you earn 1 Membership Rewards point per dollar on your purchases.

You can then use your points in many ways:

• Statement credit for travel purchases
• Statement credit for all purchases
• Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.).
• Book your flight with American Express Travel at a special rate

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

• 100,000 Aeroplan points
• 100,000 Avios
• 75,000 Flying Blue Miles
• 120,000 Marriott Bonvoy points

Alternatively, 100,000 Membership Rewards points can be redeemed for $1,000 worth of statement credit.

Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.

Finally, you are covered with reliable insurance for your travels and purchases.

Like all American Express Canada Cards, there is no minimum income requirement.