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Booking Your First Flight in Business Class

Booking Your First Flight in Business Class
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Your first flight in business class is something you will remember for a long time, especially if it took a lot of work to earn enough points and to find availability.

Indeed, it does require more points as compared to redeeming for trips in economy, so the travel hacker in you might find it illogical to spend those hard-earned points on one premium flight instead of two, even if you are seated at the back of the plane.

Therefore, when you are ready to book your first flight in business class and experience the left turn, you will want to make sure you get the most bang for your buck, or in this case, points, for this great experience.

Review: Etihad Airways B787 Business Class - Etihad Business Class-79

What Is Business Class on a Plane?

Business class is a seating category offered by airlines, situated between economy (and premium economy) and first class in terms of comfort and services. Designed for business travellers and those seeking a higher level of comfort, it offers wider seats with increased legroom, higher reclines or sleeper seats that recline completely horizontally. Business class passengers also benefit from privileged services such as priority check-in, access to airport lounges for relaxation, priority boarding and gourmet meals on board.

How to Earn Enough Points for Your First Flight in Business Class?

As I mentioned, travelling in the front will almost always be more expensive than in economy class. I say “almost” because I’ve seen Air Canada’s dynamic pricing do wonders where business class was at a similar cost or even cheaper. So, keep an eye out and look at all the cabins when you are preparing to book.

There are various types of points you can earn easily for your first flight in business class, which are categorized into airline points and transferable airline points:

The table above just compares the two types of points and does not list all types of airline points available.

In Canada, there are many recurring credit cards offer that will give you enough points to book your first flight in business class. Indeed, one card may be sufficient depending on where you want to go and what you want to experience.

Here are some of the most generous welcome bonuses currently:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now
Annual fee$599Welcome offer
Up to 85,000 points
Apply Now
Annual fee$799Welcome offer
Up to 100,000 points
Apply Now
Annual fee$250Welcome offer
Up to 60,000 points
Apply Now
Annual fee$120Welcome offer
Up to 70,000 pointsEnds Nov 25, 2026
Apply Now
Annual fee$399Welcome offer
Up to 100,000 pointsEnds Nov 25, 2026
Apply Now

How Many Points Will I Need for My First Business Class Flight?

The answer will be different depending on various factors, but the main ones are

  • Where and how far do you want to go?
  • Is there any particular airline product you aspire to?
  • Are you flexible with your dates?

To give you a general idea and goal, with 25,000 American Express Membership Rewards or Aeroplan points, you can redeem them for a decent first flight in business class.

That number of points can buy a 5–6-hour one-way trip in a lay-flat seat and include at least one meal service representing the elevated experience. So, you’ll be able to enjoy it properly.

Booking Your First Flight in Business Class - Business class general cost idea

Choose Your Product Carefully

The main thing you should know is that not all business-class seats are created equal. For that reason, you should carefully choose the right product to meet your expectations so you’re not disappointed with your first flight in business class. Once you’ve chosen your product, you will also choose the proper program (or programs) to focus on.

Here, we can see that the price for business class on three of the four flights is 22,600 Aeroplan points: one on the Boeing 737-MAX, one on the Airbus 330, and one on the Boeing 787.

Choosing your plane: an element to consider when travelling - Choix domestique

However, the Air Canada product on the Airbus 330 or Boeing 787 is clearly superior to business class on the Boeing 737-MAX. Business class seats on wide-body aircraft recline 180 degrees, while they do not on narrow bodies.

So, you can get a better seat for the same price. If schedules do not restrict you, this is an excellent reason to choose your plane carefully for your first flight in business class!

Choosing your plane: an element to consider when travelling - AC 737 MAX-02
Booking Your First Flight in Business Class - Air Canada 787 Signature

Another noticeable difference is in Qatar Airways’ business class.

The following three products are in the identical service category; you will receive the same kind of service because you are in business class, but the experience will be totally divergent. As a result, selecting your plane allows you to get a superior product in exchange for your hard-earned Avios.

The “hard product” difference between these three Qatar Airways business class seats is evident as one of them is the Qsuite, a stellar closed suite and one of the best ones to experience your first flight in business class, as compared to their old 2-2-2 configuration where you have to jump over your neighbour to reach the aisle. The fixed product, such as the seat and its functionality, is called the “hard product.”

Qatar Airways Qsuite: Book with Your Aeroplan Points via Virgin Australia - A350 Qsuite
Choosing your plane: an element to consider when travelling - Standard Business Class
Choosing your plane: an element to consider when travelling - Qatar Old Business Class

After the selection of the right product you long for, take a look at the seat map on SeatGuru to be aware of the less desirable seats. Indeed, you might have exactly what you wish for on that Dreamliner, but you don’t want to be stunned to find out your seat on your first flight in business class is missing a window while the others have two.

Booking Your First Flight in Business Class - 787 J Pas de fenêtre 2

Identify the Experience You Want

Before booking your first business class flight, you should also wonder about other things that may be important to you.

Do you want to experience a whole night’s sleep on that 10-hour journey from Montreal to Athens and arrive fully rested just in time for your Greek Island hopping? Or would you rather prefer to enjoy the movies on a bigger screen, meal services, drinks, and massage chairs on a daytime flight?

Booking Your First Flight in Business Class - Étihad Business BCN-DXB-19
Family Travel: The Best Tips for a Memorable Journey - Business class with children
Family Travel: The Best Tips for a Memorable Journey - Business class with children 2

Your first flight in business class will also come with your initiation to VIP Airport Lounges (unless you’ve already enjoyed it with the many credit cards that give free access). Therefore, you can ask yourself if there is any specific lounge you would like to test.

For example, the Air France-KLM Lounge at Montreal Airport is accessible to Dragon Pass members, yet on a busy night, they will prioritize premium travellers on their own planes. As a result, if you’ve always wanted to try that lounge but never could with your credit cards perks, maybe you should consider booking your first flight in business class with Air France instead of Air Canada, especially if you’ve hit the jackpot with some Flying Blue Promo Rewards!

Review: Air France Lounge - Montreal-Trudeau YUL - Salon Air France Montréal-30

You probably won’t have this in mind when you’ve never flown premium before, but each company has their own touch in terms of amenities, from simple kits to the United Teddy Bear and limited-edition pyjamas.

If you like branded gear, you might want to do more research on that matter and choose United Airlines Polaris instead of Austrian Airlines to cross the Atlantic if you want the cute little Away amenity kit.

On a similar thought, the meal service is also different from one airline to another. If you love Hong Kong Milk tea, you are better off flying with Cathay Pacific than Japan Airlines.

Booking Your First Flight in Business Class - Collectibles

Find Availability on Your Desired Flight

Once you’ve identified what you desire in terms of experience for your first flight in business class, you must find an award space to book it. Starting this process early and being flexible is the key to success.

Premium award seats are often limited, and saver awards are highly coveted. For example, if you want to fly to Japan in business class on All Nippon Airways using Aeroplan, you will have to snag the seats as soon as they get released, which is nearly a year in advance, as they are only one or two of them. Once they are booked, it is not likely to see more of them unless someone cancels or if the cabin is really relatively empty close to departure.

ExpertFlyer and Roame are tools that can help you in this respect, as you can create alerts to find out if there are more award seats on the flight you’re after.

You can also be prepared by learning about their release patterns. To do so, search for flights and note how many seats are released each day and when new seats usually tend to appear on a flight that initially had none.

Other Tips and Tricks

A noteworthy way to save on business class with Air Canada and avoid dynamic pricing is to use eupgrades. Eupgrades are obtained when you reach an Aeroplan Elite Status and enable you to book in economy, therefore at a lower cost, and upgrade to the front.

Aeroplan Elite Status can be achieved by earning Aeroplan points organically (25K) or by meeting specific requirements by flying. While travelling premium will help, you can manage it even if you usually go in economy.

The upgrade can be instant, or you could be waitlisted depending on available space. If you are waitlisted, the time needed to clear will be based on your fare ticket and your status.

You can view this information on your search result page or by looking for “R Space” on ExpertFlyer, as not all free seats can be upgraded with Eupgrades.

The ultimate guide on bid upgrades with Air Canada - Eupgrade cost en

If you don’t have a status, most airlines will allow you to bid for upgrades whether in advance or when you check-in. You can get lucky with this method if the loads are in your favour; airlines want to extract as much revenue as possible, so if the front cabin is nearly empty, they may let them go at a fraction of the cost instead of leaving them vacant. I once heard an announcement at the gate for a £250 upgrade on my LHR-YUL flight while it was at £400 when I checked in online.

The ultimate guide on bid upgrades with Air Canada - Bid upgrade accepted

You will likely find more success in booking your first flight in business class early, but even if you’ve settled, keep checking back for other flights. For example, if you were satisfied with your YUL-EWR-FCO flight on Air Canada and United but spaced opened up on the YUL-ZRH-FCO, which you would prefer because you’d like to fly with Swiss, you can change it! Of course, there will be fees, so it is up to you if you wish to pay for a different experience if the possibility is present.

Similarly, let’s say you booked a flight to Italy on a partner airline in economy at a reasonable standard price, and you were considering paying for a bid upgrade for your first flight in business class; you most probably will be able to find award seats on Lufthansa and Swiss within two weeks of departure.

While most people aren’t comfortable waiting until that window to buy their flights, if you were ready to pay for an upgrade, you can also pay the change fee and the difference in points instead. Do the math, as that way may be cheaper and more predictable rather than hoping for an upgrade at a reasonable price at the gate.

Also, even if the upgrade cost is lower, consider if the immediate confirmation is worth it. In the following example, switching your economy flight to business class would incur a $100 change fee in addition to the 32,900 Aeroplan points difference (worth $658 according to our value estimation).

While you may score an upgrade while checking in at $500, there is no guarantee of it; there could be no more seats left when the time comes, elite status members may snag them first, etc.

Booking Your First Flight in Business Class - Initial economy flight
Booking Your First Flight in Business Class - Standard partner business class price

One last pro-tip before you book your first fight in business class with Aeroplan points: I know you’ve heard about avoiding Air Canada like the plague because of their dynamic pricing and focusing solely on finding award space with partner airlines.

However, dynamic pricing works in both ways, meaning it can also lower your cost! As we can see here, this flight from Montreal to Rome is under the standard 70,000 points for partner airlines because the first segment is with Air Canada; the latter is bringing the price down!

Booking Your First Flight in Business Class - First flight in business class reshuffling tips

Air Canada Business Class

Air Canada’s business class is distinguished by its constant availability, as the company offers all its vacant seats for purchase with Aeroplan points. So you’ll almost always see this option when searching for flights. However, due to dynamic pricing, prices can sometimes be very high. Fortunately, they are still affordable if you use upgrade credits, book during less busy periods or book well in advance (1 year).

Air Canada’s business class is an excellent choice, especially on wide-bodied aircraft, where seats recline 180 degrees for optimum comfort. To find out more, check out some of our detailed reviews of the Air Canada business class experience:

What's the difference between business class and first class?

So what about first class? The main difference between business class and first class lies in the level of luxury and services offered. First class is generally more exclusive, with private suites, fully flat beds, top-quality personalized service, and additional amenities such as showers (yes, a shower on a flight) or exclusive bars. First-class passengers also benefit from priority boarding and dedicated check-in, just like in business class, and access to VIP lounges that may be different (superior) to that of business class, depending on where you are. On the other hand, business class, while offering greater comfort than economy class, is less opulent than first class.

It’s important to note that first class is not available on all airlines, while business class is more widespread.

Review: Lufthansa B787-9 Business Class | Munich - Montreal - Lufthansa-787-9-Business-05
Testimonial: From Sydney to Montreal in First Class on Points - Singapore A380 3

Which Airline Had the First Business Class

While the vast majority of airlines offer business class, here is a summary of the airlines and aircraft that offer first class:

AirlinesAircraft equipped with first class
EmiratesAirbus A380-800, Boeing 777-300ER
LufthansaAirbus A340-600, Airbus A380, Boeing 747-8I
Qatar AirwaysAirbus A380-800
British AirwaysAirbus A380
Air FranceAirbus A380, Boeing 777
Singapore AirlinesAirbus A380, Boeing 777
Cathay PacificAirbus A380, Boeing 777
ANA (All Nippon Airways)Boeing 777
Japan Airlines (JAL)Boeing 777
Swiss International Air LinesAirbus A340

What Is the Cost of a First Class Airplane Ticket with Points?

The price of a first-class ticket paid for with frequent flyer points varies considerably depending on a number of factors, such as the airline, the specific route, the availability of award seats, and so on. For example, programs such as Air Canada’s Aeroplan or Lufthansa’s Aeroplan offer the possibility of booking first-class tickets using 100,000 points Aeroplan on a route such as Washinton DC and Munich.

However, these tickets generally require a high number of points (usually around three times the price of economy class) plus taxes and surcharges. We recommend consulting the airline’s frequent flyer program directly for precise information on the number of points required and availability.

As mentioned above, business class tickets are generally double the price in points of economy class.

For comparison, here is an example taken from the grid below for a flight on Lufthansa between Washington DC and Munich :

  • Economy class: 40,000 Aeroplan points
  • Business class: 70,000 Aeroplan points
  • First class: 100,000 Aeroplan points

Bottom Line

Understandably, you’d want your first flight in business class to be a memorable trip at the best price possible. Therefore, it is crucial to do your research to find exactly what would fit your expectations from the product to the cost.

Speaking from experience, turning left may ruin future flights, but that shouldn’t discourage you from trying it at least once. Actually, what it can do is fuel your ambition to keep doing it, and we are fortunate enough in Canada with several great credit card offers, access to American cards, and amazing opportunities to earn a lot of points on organic spending with cards such as the American Express Cobalt® Card with its 5X accelerator.

If you’d like to share your experience of your first business class flight, your selection or booking, and your personal tips, join our Facebook community to talk about it! And if you have any questions, there are plenty of people who can help you make the right plan from start to finish!

Annual fee
$191.88
Our valuation
$255

Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

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:

Category Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.) 5
Home food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming services 3
Service station 2
Transport 2
Travel 1
Other 1

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.

Annual fee

Primary card$191.88
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xRestaurants
  • 5xGroceries
  • 5xConvenience
  • 3xStreaming
  • 2xTransit
  • 2xGas & EV
  • 1xAll spending

Value

1st Year Value$1,828
2nd Year Value$799

Transfer partners

  • AeroplanAirline
  • British Airways ClubAirline
  • Cathay Asia MilesAirline
  • Etihad GuestAirline
  • Flying BlueAirline
  • Hilton HonorsHotel
  • Marriott BonvoyHotel

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our featured card

Featured
Annual fee
$120
Our valuation
$990

Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 110,000 points

Ends Sep 22, 2026

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

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

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Annual fee

Primary card$120
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 5xMarriott Bonvoy hotels
  • 2xAll spending

Value

1st Year Value$1,437
2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.