Earn up to 100,000 points with the Platinum Card® from American Express
Loading article…
The Platinum Card® from American Express
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 you charge $10,000 to your Card in your first 3 months of Cardmembership
- 30,000 points when you make a purchase between months 15 and 17 of Cardmembership
With this Card, you get:
- 2 points for every $1 in eligible dining and food delivery purchases in Canada
- 2 points per dollar in eligible travel purchases charged to the Card
- 1 point for every $1 in other purchases charged to the Card
You can use your Membership Rewards® points in many ways:
- Points transfers to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
- Points transfers to hotel partners, including Hilton Honors and Marriott Bonvoy
- Redeeming points for statement credits toward travel (1,000 points = $10)
- Redeeming points for statement credits toward 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 get up to:
- 100,000 Aeroplan points
- 100,000 Avios
- 100,000 Flying Blue Miles
- 120,000 Marriott Bonvoy points
With this Card, you also get travel benefits:
- A $200 annual travel credit
- A $200 annual dining credit
- A $100 statement credit for a NEXUS membership
- Free access for you and one additional traveller 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
Finally, the Platinum Card® stands out for its extensive insurance coverage: car rental theft and damage, $500,000 travel accident, out-of-province or out-of-country emergency medical expenses, lost or stolen baggage, flight delay and delayed baggage, hotel/motel burglary, Purchase Protection and Buyer’s Assurance.
Like all American Express Canada Cards, no minimum income is required.
- Annual fee
- $799
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190$510 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,190
- Welcome offerAfter $10,000 in 3 months
- Up to 100,000 points
Apply Now
on American Express's website
Apply 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”).
Value of Membership Rewards Points
I use the American Express Platinum Card® for my own travels. With the current offer, 100,000 Membership Rewards points are worth $1,000 if redeemed against any purchase charged to the card, i.e., 1 cent per point, but I prefer to transfer them to partner programs where their value climbs much higher.
But in our opinion, the value can be much greater by transferring your points to partner loyalty programs such as Aeroplan, The British Airways Club, Flying Blue or Marriott Bonvoy! Milesopedia conservatively values Membership Rewards points at 1.7 cents, bringing the value of this offer to approximately $1,700.
I transfer my Membership Rewards points to Aeroplan to book flights:
- In business class: here the return I get is at least 4 cents per point
- For multi-destination flights in North America: here, it is common for me to get at least 2 to 3 cents per point
Or I use my Membership Rewards points via the American Express Fixed Points Travel Program for certain North American destinations: the return is 2 cents per point.
Everyday Life Benefits
Enhanced earn rates for certain purchases
American Express adapts the earn rate of the Platinum Card® to its cardholders’ spending habits!
Thus, the Platinum Card® allows you to earn:
- 2 points per dollar on eligible dining and delivery purchases in Canada
- 2 points per dollar on eligible travel purchases
- 1 point per dollar on other purchases
Membership Rewards points can be transferred to:
- Airline programs such as Aeroplan, British Airways Club, Delta SkyMiles or Flying Blue
- hotel programs such as Marriott Bonvoy, Hilton Honors and ALL Accor.
In fact, transfers of Membership Rewards points to ALL Accor Live Limitless have been live in Canada since July 29, 2026, bringing the Platinum Card’s hotel partners to three.
After a one-time enrolment through Amex Offers, this credit applies following a single transaction of $200 CAD or more, including taxes and gratuities, at one of the eligible restaurants.
The benefit is automatically reset on January 1st of each year it is offered.
Cardmember Extras Program
In addition to travel and dining credits, the Platinum Card® provides access to the Cardmember Extras program.
This gives you a value of $200 or more per year in Statement credits for eligible purchases with participating brands. This is an additional benefit that reduces the actual cost of the annual fee.
A Metal Card
A premium card… means a metal card!
The Platinum Card® is one of the only metal cards in Canada, which reinforces the Premium (and distinct) aspect of the Platinum Card® compared to the competition.
And this card is really beautiful, with only your name on the front: all the other information is on the back (although your wallet will weigh a little more)!
Benefits for Your Travels
Access to Airport Lounges
Platinum Card® cardholders have access to the American Express Global Lounge Collection: over 1,550 airport lounges in more than 140 countries.
Here are the main lounge networks and their access conditions:
| Lounge Network | Access Conditions |
| Centurion Lounges | Complimentary access for the cardholder and one guest Effective July 8, 2026, the guest must be traveling on the same flight as the cardholder |
| Priority Pass | Complimentary access for the cardholder and one guest Over 1,550 lounges worldwide |
| Plaza Premium Lounges | Complimentary access for the cardholder Ex: Plaza Premium lounges in Montreal (Air France), Toronto, Vancouver, Edmonton, Winnipeg… |
| Delta Sky Club | Complimentary access for the cardholder upon presentation of a same-day Delta flight ticket |
| American Express International Lounges & Partners | Complimentary access for the cardholder depending on the lounge |
| Lounges in Canada (National Bank and Air France in Montreal, Quebec City Airport) | Complimentary access for the cardholder and guests depending on the lounge, upon presentation of the Platinum Card |
For example, you can enjoy free access to the Air France Lounge or the National Bank Lounge at Montreal-Trudeau International Airport.
Benefits at Toronto Pearson Airport
American Express has renewed its partnership with Toronto Pearson Airport (YYZ). The Platinum Card® gives you access to exclusive benefits there:
- Parking: valet fee waived when you charge parking to your Platinum Card®
- Priority security: a one-time-use QR code (via go.amex/yyz) for priority security screening, for you and each of your guests
- Car care: 15% off car detailing service at Terminal 1
$200 Travel Credit
American Express Canada offers a $200 annual credit for travel booked through the American Express Travel website with the Platinum Card®.
This may be:
- A flight
- A hotel
- A car rental
- A travel package
This credit is renewed each year based on Cardmembership anniversary date.
$100 NEXUS Credit
The Platinum Card® comes with another benefit for travelers: the $100 statement credit for NEXUS program membership. Simply charge your NEXUS membership (every 4 years) to your Platinum Card® to receive this credit.
Status in Hotel Programs
The Platinum Card® also offers status in several hotel loyalty programs, which entitles you to many benefits:
| Program | Status | Key Benefits |
|---|---|---|
 | Elite Gold | Room upgrade Late checkout until 2 PM 25% more points than base-level members Free premium Internet access |
 | Gold | Complimentary breakfast Room upgrade 80% more points than base level members 2 complimentary water bottles per stay |
Car-related benefits
The Platinum Card® offers benefits with 2 major rental companies:
| Car rental agency | Benefits |
|---|---|
 | Five Star Level Priority counter service One-car-class upgrade Discounts on standard rates Special rates on the Prestige Collection Up to 4-hour grace period to return the vehicle Additional driver at no cost (spouse / partner) Read our Review on booking a rental car with Hertz and the Platinum Card |
 | Avis Preferred Priority counter service One-car-class upgrade Special discounts |
The Fine Hotels + Resorts Program
Platinum Card® cardholders have access to the Fine Hotels + Resorts program, which provides complimentary benefits with an average value of US$550 at over 1,600 premium properties, such as:
- Complimentary Breakfast
- Room upgrade
- 4 p.m.guaranteed late departure
- A $100 credit for a service depending on the hotel
Premium Travel Insurance
The travel insurance on the Platinum Card® is particularly advantageous with very high reimbursement levels, whether for flight delays, baggage delays, assistance abroad, or high-end car rentals…
Here is a summary of insurance coverages (this information is informational. Refer to the brochure provided with your Platinum Card®).
| Insurance | Coverage |
|---|---|
| Emergency Medical Expenses (out of province or country) | This coverage covers eligible emergency medical expenses incurred outside your province or territory of residence in Canada, during the first 15 consecutive days of each trip, up to a maximum of $5,000,000 per insured person, for all insured persons under 65 years of age. |
| Flight Cancellation | When you charge all of your travel arrangements to your Platinum Card, this coverage provides reimbursement for the non-refundable and non-transferable portion of your prepaid travel expenses, up to $2,500 per insured person (maximum of $5,000 for all insured persons), if you must cancel a trip due to an eligible situation. |
| Trip Interruption Insurance | When you charge all of your travel arrangements to your Platinum Card, this coverage covers the unused, non-refundable, and non-transferable portion of your prepaid travel arrangements, except the cost of the unused prepaid return ticket to your point of departure, up to $2,500 per insured person per trip (maximum of $6,000 for all insured persons), if your trip is interrupted or delayed due to an eligible situation. |
| Trip Interruption Insurance | Charge your airline tickets to your Platinum Card and receive up to $1,000 (maximum in combination with Baggage Delay Insurance) for all necessary and reasonable expenses incurred within 48 hours at a hotel, motel, or restaurant if your flight is delayed or you are denied boarding for more than four hours without another means of transportation being made available to you. |
| Baggage Delay Insurance | By booking your flight with the Platinum Card, you can receive up to $1,000 (maximum in combination with Flight Delay Insurance) for any necessary and reasonable common purchases of clothing and miscellaneous items deemed essential that you make within four days, if your baggage is not returned to you within six hours of your departure flight’s arrival at destination. |
| Lost or Stolen Baggage Insurance | If you charge the full amount of your airline tickets to your Platinum Card, you are insured against loss or damage to your personal effects, carry-on baggage, or checked baggage during your travels up to $1,000 per trip for all insured persons. |
| Car Rental Theft and Damage | Save when you travel with the Car Rental Theft and Damage Insurance included with your Platinum Card®. Where permitted by law, you’ll automatically be insured against damage to or theft of your rental car with a maximum MSRP of $85,000. To take advantage of this benefit, you must decline the loss/damage waiver or any similar option offered by the rental company and charge the full rental to your Platinum Card®. This insurance is provided at no extra cost, and you don’t have to pay the premiums charged by the car rental company (usually between $16 and $23 per day). |
| Hotel/Motel Burglary Insurance | Automatic coverage of up to $1,000 for the loss of most personal belongings, excluding cash, if your hotel or motel room is burglarized. when you fully charge your accommodations to your Card. |
| $500,000 Travel Accident Insurance | You’re covered for up to $500,000 in the event of accidental death or dismemberment for you, your spouse and dependent children under the age of 23 when you travel on a common carrier (plane, train, boat or bus) and charge the full cost of your tickets to your Platinum Card. Supplementary Cardholders, their spouses and dependent children under 23 are also covered. |
| Buyer’s Assurance Protection Plan | Eligible items are automatically insured against direct physical damage and theft up to $1,000 per occurrence (not per item purchased) for a period of 120 days from the date of purchase if you pay for them with your Platinum Card. No registration required. You may be reimbursed for eligible events not covered by any other insurance. |
| Purchase Protection Plan | The Purchase Protection Plan automatically doubles the duration of the original manufacturer’s warranty, up to a maximum of one additional year, if you pay for your purchase in full with your Platinum Card. This protection applies to items paid for with the Card anywhere in the world, provided the manufacturer’s warranty is valid in Canada and the U.S. and does not exceed five years. Jewelry, motorized vehicles, and their parts are excluded from this coverage. Before having an item repaired, you must obtain authorization. Replacement and repair costs for each eligible item cannot exceed $10,000, up to $25,000 per cardholder, per policy year, for all claims. |
A Membership Rewards Card
Redeeming Points to Book Flights With American Express
American Express has two charts:
- Flexible points: here you use your points at a value of 1,000 Membership Rewards points = $10
- Fixed Points: the fare will depend on the destination
And this is how we will be able to get the most value out of our Membership Rewards points!
Up to 1,000 Membership Rewards points = $20.
Using Points Towards Any Expense
Another way to use Membership Rewards points: by applying them to your purchases. The rate is 1,000 Membership Rewards points = $10.
Membership Rewards Transfer Partners
Here are all the transfer partners for the American Express Membership Rewards program:
| Partners | Conversion Rate |
|---|---|
 | 100,000 Membership Rewards points = 100,000 Aeroplan points |
 | 100,000 Membership Rewards points = 100,000 Flying Blue miles |
 | 100,000 Membership Rewards points = 75,000 Asia Miles |
 | 100,000 Membership Rewards points = 100,000 Avios |
 | 100,000 Membership Rewards points = 75,000 miles |
| 100,000 Membership Rewards points = 100,000 Hilton Honors points |
| 100,000 Membership Rewards points = 120,000 Marriott Bonvoy points |
Fee and Welcome Bonus
American Express is offering on the Platinum Card®: up to 100,000 points, or up to $1,000 for a weekend getaway. The annual fee is $799.
How to get 100,000 Membership Rewards points
The welcome bonus is unlocked in two steps:
| Step | Condition | Points |
|---|---|---|
| 1 | Charge $10,000 in purchases to your Card within the first 3 months | 70 000 |
| 2 | Make a purchase between the 15th and 17th month following your membership | 30 000 |
| Total | Welcome Bonus | 100 000 |
How much to spend to earn the 100,000 points?
Here’s what you need to charge to your Card to unlock each tier, along with the base points earned in parallel. The calculation is conservative: it applies 1 point per dollar, whereas your restaurant and travel purchases earn 2.
| Period | Expenses | Basic points | Bonus | Points accumulated |
|---|---|---|---|---|
| Months 1 to 3 Tier 1 | $10,000 | 10 000 | 70 000 | 80 000 |
| Months 15 to 17 Tier 2 (1 purchase) | 1 purchase | N/A | 30 000 | 110 000 |
The second tier adds 30,000 points when you make a purchase between the 15th and 17th month, for a total of 100,000 points in welcome bonus points, in addition to the base points earned on your purchases.
To reach these thresholds, charge all your everyday expenses as well as your major purchases (travel, appliances, renovations, etc.) to your Card. Remember that your restaurant and travel purchases count double in points.
You can also use Chexy to pay recurring bills, income taxes, and municipal taxes to help you unlock your welcome bonus.
How much is the welcome offer worth?
The value of your 100,000 Membership Rewards points depends on how you use them. Here are three scenarios:
| Redemption | Value per point | Total value |
|---|---|---|
| Statement credit (guaranteed minimum value) | 1 cent | $1,000 |
| Milesopedia Valuation (conservative) | 1.7 cents | $1,700 |
| Transfer to Aeroplan or Flying Blue in business class | 4 cents + | $4,000 and up |
Even at the minimum scenario, the welcome offer largely covers the annual fee. Here is the value for the first year, including annual credits:
| Element | Value |
|---|---|
| Welcome bonus (minimum value) | $1,000 |
| Annual travel credit | $200 |
| Annual dining credit | $200 |
| Cardmember Extras credit | $200 + |
| NEXUS credit ($100 every 4 years) | $25 |
| Annual fee | – $799 |
| Net value in the first year | $826 and + |
Remember:
- all the benefits offered by this card, including access to over 1,550 airport lounges for the cardholder and one guest
- the excellent welcome bonus of 100,000 Membership Rewards points, largely covering the first year’s fees
- the $200 annual travel credit, renewed every year on the card’s anniversary date
- the $200 annual dining credit, renewed every year on January 1st
- the value of $200 or more from the Cardmember Extras program
- the $100 NEXUS credit every four years
- Annual fee
- $799
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190$510 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,190
- Welcome offerAfter $10,000 in 3 months
- Up to 100,000 points
Apply Now
on American Express's website
Apply 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”).
Conclusion
There is no card offering benefits comparable to those of the Platinum Card®, which justifies the level of the annual fee.
For a frequent traveler, the $799 annual fee is largely offset. Indeed, each year, you recover over $600 in credits ($200 for travel, $200 for certain restaurants, and $200 or more via the Cardmember Extras program), not to mention the NEXUS credit.
In addition to this:
- access to a multitude of airport lounges worldwide
- benefits from hotel statuses, some of which offer complimentary breakfasts
- the flexibility offered by both Membership Rewards point transfers and American Express’s fixed flight pricing grid
- high-caliber insurance
In addition, American Express offers an improved earn rate of 2 Membership Rewards points per dollar on eligible travel and dining purchases. You can compare this card with other options in our ranking of the best American Express credit cards.
For a lower annual fee while earning the same Membership Rewards points, the American Express Gold Rewards Card is currently offering up to 60,000 points as a welcome bonus.
Take advantage of this exceptional welcome offer:
- Annual fee
- $799
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190$510 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $1,190
- Welcome offerAfter $10,000 in 3 months
- Up to 100,000 points
Apply Now
on American Express's website
Apply 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”).
Frequently Asked Questions About the American Express Platinum Card Offer
Here are frequently asked questions in the milesopedia community about this card.
What is the current welcome bonus on the American Express Platinum Card?
American Express is offering on the Platinum Card® from American Express: up to 100,000 Membership Rewards points, to be earned in two steps.
- 70,000 points after $10,000 in purchases in the first 3 months
- 30,000 points after a purchase between the 15th and 17th month
At the floor value of 1 cent per point, that’s $1,000, but points often deliver much more value when transferred to Aeroplan, Marriott Bonvoy, or British Airways Avios.
What are the annual fees and points multipliers?
The American Express® Platinum Card in Canada costs $799 per year. The multipliers are:
- 2 points per dollar on eligible dining and delivery in Canada
- 2 points per dollar on eligible travel
- 1 point per dollar on other purchases
The fees are high, but for a frequent traveler, the integrated credits ( $200 travel + $200 dining + $200 or more via Cardmember Extras + $100 NEXUS) cover over $600 per year, even before counting lounge access and hotel statuses.
What lounge access and hotel statuses are included?
The American Express® Platinum Card offers the most comprehensive travel benefits among Canadian cards:
- Access to over 1,550 lounges in more than 140 countries (Centurion, Priority Pass, Plaza Premium, Delta Sky Club)
- Marriott Bonvoy Gold Elite status (upgrade, late checkout)
- Hilton Honors Gold status (complimentary breakfast, 80% bonus on points)
- $100 credit for NEXUS membership (every 4 years)
Note: effective January 1, 2027, unlimited access to Plaza Premium and Priority Pass lounges will transition to a spend-based model ($20,000 in purchases per year to maintain unlimited access).
How many trips does it take for the American Express Platinum Card to become worthwhile?
The profitability equation for the American Express® Platinum Card at $799 depends on your profile:
- 1 to 2 trips per year: integrated credits (over $600 per year) already cover most of the fees
- 3 to 5 trips per year: lounge access and hotel status add $500 to $800 in value, making the card fully worthwhile
- 6 or more trips per year: the value can exceed $2,000 in benefits (lounges, statuses, point accumulation)
For an occasional traveler (fewer than 2 trips per year), a more modest card like the American Express Gold Card remains more appropriate.
Is there a minimum income requirement for the American Express Platinum Card?
No. Like all American Express Canada cards, the American Express® Platinum Card has no minimum income requirement. American Express evaluates your application based on your overall credit history rather than a fixed income threshold. A good credit history is still recommended to maximize your chances of approval, especially for a premium card like this one.
To Go Further with American Express Membership Rewards Points
To maximize your Membership Rewards points accumulation, consult our complete guide to the American Express Membership Rewards program as well as our ranking of the best American Express Membership Rewards credit cards, updated monthly by the Milesopedia team.
For your next Hilton stay, see the Hilton Honors American Express® Card available in Canada and the terms of its current offer.