Discover the top American Express credit cards available in Canada, offering exceptional rewards, travel benefits, and exclusive perks. Whether you seek cashback, travel points, or premium services, our comprehensive guide will help you choose the perfect card for your financial needs.
Below are American Express Canada’s best credit card offers:
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
The Platinum Card is the best high-end card in Canada for travelers.
With this welcome offer, you can earn up to 140,000 Membership Rewards points:
With this Card, you get :
You can use your Membership Rewards points in many ways:
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 :
With this card, you also have advantages for your travels:
Finally, the Platinum Cardᴹᴰ stands out for the many insurances it offers: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out of province or country), lost or stolen luggage, flight delay and misdirected luggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
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.
Or you can transfer them into 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:
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.
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express® Gold Rewards Card. That’s a $600 value for travel or any purchase on the Card.
You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).
With this Card, you get many benefits like:
You earn 2 points per dollar for travel purchases, and at:
And 1 point per dollar everywhere else.
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 by spending $1,500 in the first 3 months after joining.
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 2 points per dollar on all other purchases.
Finally, this Card comes with comprehensive insurance: baggage delay, lost or stolen baggage, $500,000 travel accident, flight delay, hotel or motel burglary, rental car theft and damage, Purchase Security, Purchase Protection.
With this welcome offer for the American Express®* Aeroplan® Reserve Card, you can earn up to 85,000 Aeroplan points. Here’s how:
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.
With this welcome offer for the Aeroplan American Express Card, you can earn up to 40,000 Aeroplan points. Here’s how:
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.
The SimplyCash® Preferred Card from American Express is the only credit card in Canada to earn 2% cash back on all purchases. In addition, you get :
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 statement credit after making a purchase in the 13th month.
The SimplyCash® Preferred Card from American Express Card is especially popular with those who have significant purchases to make: home improvement, furniture or appliance purchases since it offers 2% cash back at all stores.
This Card is stands out by the many insurances it offers : rental car theft and damage, $100,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Do you want a cash back credit card with no annual fee that earns travel points? Here is an option for you: the 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 obtaining..:
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.
Do you want a cash back credit card with no annual fee and a great earning rate for everyday purchases? Here’s an option for you: the SimplyCash® Card from American Express.
With this no-annual-fee credit card, you earn:
And with this welcome offer, you can earn 5% cash back on all purchases (up to $2,000 in purchases) for the first 3 months (up to $100 in Statement credit).
You benefit from several types of insurance : $100,000 travel accident, Purchase Protection, Purchase Security.
With the American Express Essential™ Credit Card, you can enjoy a low interest rate of 12.99% if you decide to carry a balance and make your minimum monthly payments on time. It is one of the best low-interest-rate credit cards in Canada.
In addition, this low-interest credit card allows you to take advantage of the American Express installment plan (Plan It) to pay a portion of your statement balance in monthly installments.
With the American Express Essential™ Credit Card, you benefit from $100,000 in travel accident insurance, an additional year of Purchase Protection and a 90-day Purchase Security Guarantee.
Finally, as an American Express Essential™ Credit Card holder, you can take advantage of exclusive American Express offers for statement credit on selected purchases and American Express online travel services.
Earn up to 150,000 points with this welcome offer for Business Platinum Card® from American Express:
150,000 points have a minimum value of $1,500 for a Statement credit, and much more if you transfer your points to a partner.
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:
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.
Finally, the Business Platinum Cardᴹᴰ from American Express stands out for the many insurances it offers: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out of province or country), lost or stolen luggage, flight delay and misdirected luggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Earn up to 40,000 Membership Rewards points with this limited-time welcome offer for the American Express Gold Rewards Card for small businesses:
With this Card, you earn 1 Membership Rewards point per dollar on your purchases.
You can then use your points in many ways:
Alternatively, 40,000 Membership Rewards points can be redeemed for $400 worth of travel or any other Card purchase.
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.
With this welcome offer for the American Express® Aeroplan®* Business Reserve Card, you can earn up to 90,000 Aeroplan points.
Here’s how:
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 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.
The Marriott Bonvoy® Business American Express®* Card is the best credit card for travelling self-employed professionals and small business owners.
With this welcome offer, you can earn 60,000 Marriott Bonvoy points by spending $5,000 in the first 3 months after joining.
With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties. And you can earn 3 points per dollar for:
And 2 points per dollar on all other purchases.
Here are the awards received in the Milesopedia’s 2024 Credit Card Awards:
The American Express Platinum Card® is the best premium credit card in 2024 in Canada for these reasons:
The American Express® Aeroplan®* Reserve Card is the Best Credit Card For Frequent Flyers in 2024 in Canada for these reasons:
The American Express® Gold Rewards Card is the Best Credit Card For Drugstores in 2024 in Canada for these reasons:
The American Express Cobalt® Card is the best credit card for restaurants in 2024 in Canada for these reasons:
The American Express Green Card is the Best No-Fee Travel Credit Card in 2024 in Canada for these reasons:
The Marriott Bonvoy® American Express®* Card is the Best Hotel Credit Card in 2024 in Canada for these reasons:
The Business Platinum CardMD from American Express is the best credit card for businesses in 2024 in Canada for these reasons:
The American Express Cobalt® Card is the best American Express credit card in 2024 in Canada for these reasons:
American Express offers a wide range of credit and charge cards, from no-annual-fee cash-back cards to high-end travel cards with high annual fees.
To choose the right American Express credit card, consider your annual spending habits and ensure that the rewards and benefits offered are worth the annual fee. Also, check that the merchants where you regularly make your purchases accept the American Express card, as it’s not accepted everywhere.
To choose the best American Express card in Canada, it is essential to compare several criteria:
American Express credit cards offer various benefits depending on the type of card:
Choosing an American Express credit card in Canada can benefit those seeking generous rewards and exclusive benefits. This is the case, for example, with the American Express Platinum Card®.
Whether you’re a frequent traveller or simply looking to earn cash back on your daily purchases, there’s an Amex card to suit your needs. However, checking card acceptance is essential, as well as choosing the one that suits your spending habits and lifestyle.
American Express cards are accepted at many retailers in Canada, including major chains such as Walmart, Amazon, Metro, Best Buy and Tim Hortons. In addition, many Sobeys and IGA grocery stores have begun accepting American Express cards.
However, they are not accepted everywhere, such as at Costco and Loblaws. Before applying for a card, check to see if it’s accepted by the stores where you shop most often. See this article for more details on American Express card acceptance in Canada.
There are several no-annual-fee American Express cards in Canada, such as the SimplyCash® Card from American Express and the American Express® Green Card. These cards are ideal for those who wish to benefit from Amex advantages without paying annual fees.
Here are frequently asked questions in the milesopedia community about credit cards in Canada.
The best Amex credit card depends on the project you are pursuing. Milesopedia has a crush on the American Express Cobalt® Card, which is often recognized as the best American Express credit card offering bonus points.
With this credit card, you earn bonus points for everyday purchases like groceries, restaurants and travel.
The best American Express credit card with travel benefits is the American Express Platinum Card®. With this Card, you get many travel benefits: access to airport lounges, $200 annual credit, Elite Status with hotel brands, travel insurance, etc.
If you’d like to enjoy travel benefits with Air Canada, we recommend the American Express® Aeroplan®* Reserve Card.
The best American Express travel credit card with no annual fee is the American Express® Green Card. Actually, with the American Express® Green Card, you can transfer your points to a number of travel partners – Air Canada Aeroplan, British Airways Executive Club, Air France Flying Blue, Marriott Bonvoy, Hilton Honors, etc.
That makes the American Express® Green Card a good choice with no annual fee.
To find the best Amex credit card, you must first define your objective. What do you want to do with your points? Travel? Saving on groceries? Earning cash back? Get bonus points? First the goal, then the choice of the best credit card!
There are several no annual fee credit cards from American Express. The two best-known Amex no annual fee credit cards are:
You can keep these credit cards with no annual fee from year to year.
American Express does not require a minimum annual income to accept applications. However, as with any lending company, it looks for customers with a good credit score.
American Express partners with Transunion to check your credit report.
It’s always nice to apply through the Milesopedia affiliate links found on the site! Once you’ve found the best American Express credit card for you, the steps are easy to follow after clicking the Apply Now button.
You can get an American Express Business credit card by being a professional, self-employed or small business owner. Check out this article for more details on applying for the best American Express credit card for your business.
Among American Express business credit cards, we recommend the Business Platinum Card® from American Express. In fact, with the Business Platinum Card® from American Express, you’ll earn numerous membership bonus points and travel benefits.
For example, with the Business Platinum Card® from American Express, you earn Marriott Bonvoy Gold status.
Once you’ve chosen the best American Express credit card for you, you should know that American Express credit cards are accepted at many businesses in Canada and Quebec. Check out this article to find out where AMEX cards are accepted.
You can shop online with your American Express credit card just as you would with any other credit card.
Tip: You may be asked for a verification number from your credit card for online retail purchases. Unlike Visa and Mastercard credit cards, the code required for online retail purchases for an American Express card is located on the front of your card. This is the 4-digit number located on the front and right side of your American Express card.
Also, be aware that you are covered by your American Express credit card insurance for online retail purchases. However, if you buy products online from abroad, you may be charged foreign transaction fees.
To contact American Express Canada Customer Service, you can call 1-800-869-3016.
American Express Canada’s customer service is known to be excellent in both English and French.
American Express offers a prepaid card that you can usually purchase at stores that offer gift cards.
The American Express Prepaid Card has no monthly fees, no service fees, no replacement fees and no expiration date. The American Express Prepaid Card can be used at merchants in Canada, the United States and other countries. The American Express Prepaid Card is also more secure than cash because the funds on the Card are replaceable if the Card is lost or stolen.
The American Express Prepaid Card is available in denominations of: $25, $50, $100, $200, $500 and $1,000
American Express offers two types of cards:
For American Express credit cards, the interest rate is generally 19.99% on purchases and 21.99% on cash advances.
To avoid paying interest, consider paying your American Express credit card balance in full each month.
American Express credit cards have an interest rate of 19.99% on purchases.
American Express credit cards have a 21.99% interest rate on cash advances.
To avoid paying an interest rate on your American Express credit card, it is advisable to pay your credit card balance in full on each due date.
This way, you will avoid paying 19.99% interest on your purchases and 21.99% interest on cash advances.
Unlike American Express credit cards, American Express charge cards do not have an interest rate on purchases: the balance must always be paid in full each month. An annual interest rate of 30% applies to each outstanding transaction.
American Express credit cards have foreign transaction fees of 2.5%. This is in line with credit cards that charge foreign transaction fees.
If you want to avoid foreign transaction fees, look for a credit card that does not charge foreign transaction fees.
American Express refers to its customers as Cardmembers. It’s a Card membership. With this Card Membership, as an American Express Cardmember, you enjoy many benefits that are exclusive to American Express Cardmembers, such as access to priority booking services, recognition at American Express Cardmember events, and more.
Your American Express card shows your Card membership anniversary year.
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