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The Best American Express Canada Credit Cards – August 2021

The Best AEROPLAN American Express credit cards

American Express® Aeroplan®* Card

With this welcome offer for the American Express® Aeroplan®* Card, you can earn up to 40,000 Aeroplan points and an Air Canada Buddy Pass.

Here’s how:

  • 10,000 Aeroplan points and a bonus Buddy Pass after $1,500 in Card purchases within the first 3 months
  • 2,500 Aeroplan Points per month, after $500 in Card purchases per month for the first 12 months or 30,000 Aeroplan Points

Remember, you can convert the Air Canada Buddy Pass into 30,000 Aeroplan Points if you wish. So you could earn up to 70,000 Aeroplan points with this welcome offer.

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.

American Express®* Aeroplan® Reserve Card

With this welcome offer for the American Express® Aeroplan®* Reserve Card, you can earn up to 90,000 Aeroplan points and an Air Canada Buddy Pass.

Here’s how:

  • 30,000 Aeroplan points and a bonus Buddy Pass after $3,000 in Card purchases within the first 3 months
  • 5,000 Aeroplan Points per month, after $1,000 in Card purchases per month for the first 12 months, or 60,000 Aeroplan Points

Remember, you can convert the Air Canada Buddy Pass into 30,000 Aeroplan Points if you wish. So you could earn up to 120,000 Aeroplan points with this welcome offer.

With this 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. Anywhere else, you will earn 1X the points.

With this Card, you’ll enjoy Air Canada Travel benefits like access to Air Canada Maple Leaf Lounges, 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.

Platinum Card®

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

With this welcome offer, you can earn up to 80,000 Membership Rewards points.

Here’s how:

  • 65,000 Membership Rewards points after $6,000 in Card purchases within the first 3 months
  • 15,000 Membership Rewards points if you make a purchase within 14 to 17 months of joining

With this card, you get:

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

You can use your Membership Rewards points in multiple ways:

  • Transfer points to frequent flyer programs (Aeroplan, British Airways Executive Club, Delta Skymiles, etc.)
  • Transfer 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!

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

  • $200 Annual Travel Credit
  • Unlimited access for you and an additional traveller to more than 1,200 airport lounges across 130 countries
  • Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels & Resorts program

Finally, the Platinum Card® comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

The Best American Express card with hotel points

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 50,000 Marriott Bonvoy points after $1,500 in Card purchases within the first 3 months.

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.

Finally, this Card has reliable insurance: Baggage delay, Lost or Stolen Baggage, $500,000 Travel Accident, Flight delay, Hotel or motel burglary, Car Rental Theft and Damage, Buyer’s Assurance® Protection Plan, Purchase Protection Guarantee.

The Best American Express Credit Card

American Express Cobalt™ Card

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

You can get a welcome bonus of up to 30,000 Membership Rewards points, that’s a $300 value. Considering the minimum spend requirement in the first 12 months, this is a $480 value in the first year!

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. Or, you can convert your points into Marriott Bonvoy or Hilton Honors points.

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

Category Points per dollar
Grocery 5
Food delivery 5
Restaurants and bars 5
Convenience stores 5
Gas station 2
Gas & Transit 2
Travel 2
Other 1

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

Besides, this Card provides premium insurance: Car Rental Theft and Damage Insurance, Baggage delay, Lost or Stolen Baggage, Flight delay, $250,000 Travel Accident, Hotel or motel burglary, Buyer’s Assurance® Protection Plan, Purchase Protection Guarantee.

The Best American Express credit card for cash back

SimplyCash™ Preferred from American Express

The SimplyCash™ Preferred from American Express is the only credit card in Canada offering 2% cash back on all purchases. And there’s no limit to how much cash back you can earn!

Besides, with this welcome offer, you earn 10% cashback in your first 4 months (up to $400 cash back).

This Card stands out for its premium insurance: Car Rental Theft and Damage, $100,000 travel accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

SimplyCash™ from American Express

Would you like a cashback credit card with no-annual-fee and a high earning rate on all your purchases? Here’s an option for you: the SimplyCash™ from American Express.

With this Card, you earn a 1.25% cashback on all purchases.

For the first 6 months, you can earn 4% cash back with the SimplyCash™ from American Express (up to $200 cash back).

And you’ll get insurance with it: $100,000 travel accident insurance, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

The best American Express AIR MILES credit cards

American Express® AIR MILES®* Reserve Credit Card

With this welcome offer for the American Express® AIR MILES®* Reserve Credit Card, you can earn 2,400 AIR MILES Bonus Miles.

With this Card, you earn 1 Mile for every $10 in Card purchases at AIR MILES Partners, as well as at all grocery stores, gas stations and drugstores. And 1 mile for every $15 in Card purchases everywhere else.

Besides, you automatically get the AIR MILES Onyx Elite status and once a year, when you redeem for a round-trip economy flight within the AIR MILES Reward Program, up to a maximum of 1,700 Miles, you can receive a Companion Flight for your companion to travel with you for the same itinerary.

Finally, you will receive four complimentary visits per year to more than 1,200 airport lounges around the globe.

American Express® AIR MILES®* Platinum Credit Card

With the American Express® AIR MILES®* Platinum Credit Card, you can earn a welcome bonus of 2,000 AIR MILES Bonus Miles. That’s enough to redeem for $210 towards your purchases with AIR MILES Cash.

With this credit card, you can earn 1 Mile for every $5 in Card purchases in:

  • grocery stores
  • Gas stations
  • restaurants and bars
  • Transit

Besides, you get an annual travel credit.

The Best No-Fee Credit Card from American Express

Choice Card from American Express™

Would you like a travel rewards credit card with no annual fee? Here is an option for you: the Choice Card from American Express™.

By applying for the Choice Card from American Express™, you could earn a welcome bonus of 10,000 Membership Rewards points after $1,000 in Card purchases in the first three months. It’s a $100 value or 12,000 Marriott Bonvoy points.

With this no-fee Credit Card, you will also have access to online promotional offers to get points or rebates on your purchases.

The Best Small Business American Express credit cards

American Express® Aeroplan®* Business Reserve Card

With this welcome offer for the American Express® Aeroplan®* Business Reserve Card, you can earn up to 90,000 Aeroplan points and an Air Canada Buddy Pass.

Here’s how:

  • 30,000 Aeroplan points and a bonus Buddy Pass after $5,000 in Card purchases within the first 3 months
  • 5,000 Aeroplan Points per month, after $2,000 in Card purchases per month for the first 12 months, or 60,000 Aeroplan Points

Remember, you can convert the Air Canada Buddy Pass into 30,000 Aeroplan Points if you wish. So you could earn up to 120,000 Aeroplan points with this welcome offer.

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. Anywhere else, you will earn 1X the points.

With this Card, you’ll enjoy Air Canada Travel benefits like access to Air Canada Maple Leaf Lounges, 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.

Business Platinum Card® from American Express

With the Business Platinum Card® from American Express, you earn 1.25 Membership Rewards points for virtually every $1 in purchases.

With this exceptional welcome offer, you can earn 75,000 points when you charge $7,000 in purchases to your Card in your first 3 months of Cardmembership.

You can use your Membership Rewards points in multiple ways:

  • Transfer points to frequent flyer programs (Aeroplan, British Airways Executive Club, Delta Skymiles, etc.)
  • Transfer points to hotel programs (Hilton Honors, Marriott Bonvoy)
  • Redeem points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
  • And more!

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

  • Unlimited access for you and an additional traveller to more than 1,200 airport lounges across 130 countries
  • Marriott Bonvoy Gold Elite status
  • Access to the Fine Hotels & Resorts program

With this Card you can maximize your cash flow with up to 55 interest free days.

Finally, the Business Platinum Card® from American Express comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.

American Express Business Edge™ Card

The American Express Business Edge™ Card is a great credit card for small businesses in Canada. With a low annual fee of only $99, this American Express credit card offers up to 57,000 Membership Rewards points in the first year, a $570 value. Or 68,400 Marriott Bonvoy points!

Here are the details for the welcome bonus:

  • You earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months
  • You earn 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 points in a year.

With this Card, you can get 3x the points on purchases:

  • Office supplies (Staples, etc.)
  • Electronic (Apple, Dell, etc.)
  • Rides
  • Gas
  • Eats & Drinks

Besides, you can add up to 99 supplementary cards at no cost.

Marriott Bonvoy™ Business American Express® Card

The Marriott Bonvoy™ Business American Express® Card is the best credit card for sole-proprietor, professional and small business owners who travel.

For a limited time, you can earn up to 105,000 Marriott Bonvoy points!

Here’s how:

  • 65,000 Marriott Bonvoy points after $5,000 in Card purchases within the first 6 months
  • 5 points for every $1 in Card purchases on Gas, Dining and Travel, up to 25,000 Marriott Bonvoy points
  • 15,000 Marriott Bonvoy points when you make a purchase between 14 to 17 months of Cardmembership

It’s a Card we recommend keeping because each year at renewal, you get an Annual Free Night Award (for up to 35,000 points at hotels worldwide) and 15 Elite Night Credits per year, counting towards your Marriott Bonvoy Elite status.

With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties. And you can earn 3 points per dollar on:

  • Gas
  • Dining
  • Travel purchases

And 2 points per dollar on all other purchases.

American Express® Business Gold Rewards Card®

With the American Express® Business Gold Rewards Card®, you earn up to 2 Membership Rewards points per dollar on your purchases.

With this exceptional welcome offer, you can earn 50,000 points when you charge $5,000 in purchases to your Card in your first 3 months of Cardmembership.

With this Card you can earn:

  • 2 points per dollar on purchases from 3 suppliers you choose from a list (Petro-Canada, Plastiq, Best Buy, etc.)
  • 1 point per dollar on all other 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, Marriott Bonvoy, Hilton Honors, etc.).
  • Book your flight with American Express Travel at a special rate

Also, as a Cardmember, you benefit from many benefits 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 most American Express Cards, there is no minimum income requirement to apply for this Card.

All American Express cards

Frequent Asked Questions about credit cards

Here are frequently asked questions in the milesopedia community about credit cards in Canada.