American Express Platinum Card®

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Comparison: Platinum Card vs Aeroplan Reserve American Express Card - New Platinum Card
American Express Platinum Card®
Up to 170,000 Membership Rewards
Ends Jul 28, 2026
Apply Now

Offer

Access special experiences with The Platinum Card®. Take advantage of Amex's best offer of the year for The Platinum Card®. New Platinum Card® Members can earn up to 170,000 Membership Rewards® points, worth up to $1,700 for a weekend getaway.

  • Earn 90,000 points after you spend $10,000 on your Card in your first 3 months of Membership
  • Plus earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Membership
  • You can also earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
  • Offer ends July 28, 2026

Card features

  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 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. Terms and Conditions apply
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 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
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

 

Card Awards

Milesopedia 2026 Awards: Best Programs, Credit Cards, and Bank Accounts in Canada - 2026 Awards Best High-End Credit Card
2025 Milesopedia Awards Best Premium Credit Card
Milesopedia's Best Credit Cards in Canada for 2024 - Premium BestCreditCard Milesopedia 2024
Best Credit Cards in Canada in 2023 - Best Premium Credit Card
Ranking of the Best Credit Cards in Canada in 2022 - Best Travel Credit Card Premium

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $799
First Additional Card $250
Other Additional Card $250
Foreign Transaction Fee 2.5%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Jul 28, 2026
Transferable Points
Rewards Type Travel Rewards, Cash Back
Transfer Partners Aeroplan, Asia Miles, British Airways Club, Etihad Guest, Flying Blue, Hilton Honors, Marriott Bonvoy, American Express Membership Rewards
Loyalty Program American Express Membership Rewards
Annual Credit
VIP Lounges
Concierge
Travel Credits

Earnings

Per dollar of purchases

All Spending 1 Membership Rewards
Groceries 1 Membership Rewards
Gas 1 Membership Rewards
Dining and Food delivery 2 Membership Rewards
Convenience Stores 1 Membership Rewards
Drugstores 1 Membership Rewards
Local Transport 1 Membership Rewards
Travel 2 Membership Rewards
Entertainment 1 Membership Rewards
Recurring Payments 1 Membership Rewards
Telecom/Internet 1 Membership Rewards
Streaming services 1 Membership Rewards
Online transactions 1 Membership Rewards
Office Supplies 1 Membership Rewards

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$2,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
120 day(s)
Mobile Device Insurance
Price Protection
Insurance Document

Our review

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

With this welcome offer, you can earn up to 170,000 Membership Rewards® points:

  • 90,000 points after you spend $10,000 on your Card in your first 3 months of Membership
  • An additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Membership
  • 40,000 points by making a purchase between the 15th and 17th month after your Membership
  • Offer ends July 28, 2026

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 over 1,400 airport lounges in more than 130 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.

Frequently Asked Questions

Alternative Cards

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