Travel to France With Your Points and Miles

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

• 30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
• 20,000 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).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. 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 Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

Terms of the offer

• Unlock special experiences with the newly designed metal Platinum Card
• New Platinum^® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards^® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
• Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card^® Travel Service
• Take full advantage of the American Express Global Lounge Collection^™ which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion^® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts^®, Radisson Hotel Group Hotels and Resorts, Hertz^® and Avis^®
• As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges

  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply

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

With this welcome offer, you can earn up to 100,000 Membership Rewards^® points:

• 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
• 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get:

• 2 points per $1 on eligible dining and delivery purchases in Canada
• 2 points per dollar on eligible travel purchases charged to the Card
• 1 point per $1 on all other purchases charged to the Card

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 points to hotel partners, including Hilton Honors and 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 could earn up to:

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

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

• $200 Annual Travel Credit
• An annual meal credit of $200
• A $100 statement credit for NEXUS membership
• Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
• Hilton Honors Gold status
• Marriott Bonvoy Gold Elite status
• Access to the Fine Hotels + 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.

With this welcome offer for the Scotiabank Passport Visa Infinite +* Card ^+* Card^MC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.

Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.

With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.

These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.

The Scotiabank Passport Visa Infinite +* Card also offers:

• No fees for foreign currency transactions
• 6 complimentary airport VIP lounge passes
• Excellent insurance for your travels and purchases
• Visa Infinite* Concierge Services

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Premium Aeroplan Credit Card in Canada. For a limited time, you can earn up to 150,000 Aeroplan points as a welcome bonus (an estimated $2,550 value). With this Card you can earn:

• 3 points per dollar on purchases made with Air Canada and Air Canada Vacations
• 2 points per dollar for dining and food delivery purchases
• 1.25 points per dollar on all other purchases.

Also, as a Cardmember, you get many benefits such as:

• Unlimited access to Air Canada Maple Leaf Lounges in North America
• The first checked bag free for you and up to 8 companions
• An Annual Worldwide Companion Pass
• Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
• The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.

Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]

With this welcome offer for American Express^® Aeroplan^®* Reserve Card, you can earn up to 85,000 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 25,000 Aeroplan points when you spend $2,500 in the 13th month

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.

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

American Express Cobalt^® Card welcome offer

The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.

Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.

You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.

You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:

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

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt^® Card benefits

Here is what the card gives you, starting with the benefits cardholders use most.

• 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
• 3X points on eligible streaming subscriptions in Canada.
• 2X points on eligible gas, public transit and ride sharing purchases in Canada.
• 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
• 1X point per dollar on everything else, with no category restrictions.
• Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
• No minimum income requirement, as with every American Express Canada card.
• Additional cards at no extra cost: the first and every other supplementary card is $0.
• The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
• Front Of The Line^® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
• A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:

• Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
• Restaurants and bars: sit-down meals, takeout and drinks.
• Home food delivery.
• Convenience stores: Couche-Tard, 7-Eleven.

The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.

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

That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt^® Card insurance coverage

The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.

Travel insurance

• Emergency medical: up to $5,000,000 for the first 15 days of a trip.
• Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
• Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
• Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
• Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
• Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.

Rental car insurance

Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.

Mobile device insurance

Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.

Purchase protection and extended warranty

Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.

American Express Cobalt^® Card fees

• Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
• Additional cards: $0.
• Purchase interest rate: 21.99%.
• Cash advance interest rate: 21.99%.
• Foreign transaction fee: 2.5%.
• Minimum income required: none.

Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.