American Express credit cards

Compare rewards earn rates, sign up bonus offers, travel perks, rates, and fees for Amex credit cards in Canada.

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Updated 28 May 2025   |   Rates updated regularly

Comparing of 14 American Express credit cards

American Express Cobalt Card

On website

Featured

American Express Cobalt Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$155.88 p.a. ongoing

Highlights

  • Earn up to 20,000 Membership Rewards points. In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. Earn an additional 5,000 points after spending $2,500 in the first 3 months.
  • Earn 5X points on eligible eats & drinks, 2X points on eligible gas, transit & ride share, and 1 point per $1 spent on everything else.
  • Enjoy perks, bonus rewards, and access to great events as an American Express Cobalt Cardmember.

Pros

  • Earn up to 25,000 points when you meet the criteria.
  • Earn 3X points on eligible streaming subscriptions.
  • No fees when you get additional cards.
  • Enjoy access to hotel bookings, a room upgrade (when available).

Cons

  • $155.88 is slightly higher than the average annual fee.
  • If you miss payments, the applicable rates for your account will be 25.99% - 28.99%
American Express Gold Rewards Card

On website

American Express Gold Rewards Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$250.00 p.a. ongoing

Highlights

  • Earn up to 70,000 Membership Rewards points. New American Express Gold Rewards Cardmembers, earn 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 in net purchases on your Card. Earn an additional 10,000 points when you spend $4,000 on your Card in the first 3 months of Cardmembership.
  • 1 free additional Gold Rewards Card ($50 annual fee for Additional Gold Rewards Cards).
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, gas stations, grocery stores, and drugstores. Earn 1 point for every $1 in Card purchases everywhere else.

Pros

  • Earn up to 70,000 points when you meet the criteria.
  • Earn bonus points while you spend.
  • Includes 9 complimentary insurances.

Cons

  • The $250 p.a. annual fee.
  • If you miss payments, the applicable rates for your account will be 25.99% and/or 28.99%
American Express Aeroplan Reserve Card

On website

Apply by August 18, 2025

American Express Aeroplan Reserve Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 130,000 Aeroplan points. Earn 60,000 Aeroplan points after spending $7,500 on your Card within the first 3 months of card membership. Get an additional 40,000 points after you spend $45,000 on your card in your first 12 months of card membership. Plus, earn 30,000 points when you make a purchase between 15 and 17 months of card membership.. Terms and Conditions apply.
  • Cardmembers can get a free night for every 3 nights booked with Aeroplan points—valid at 300,000+ hotels worldwide.
  • Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.

Pros

  • Earn up to 130,000 points when you meet the criteria.
  • Earn 1.25 points on other eligible transactions.
  • Get an annual companion pass when you spend $25,000 in net purchases prior to your Card anniversary date
  • Includes travel and shopping coverage.

Cons

  • There is a $599 p.a. annual fee.
  • If you miss payments, the applicable rates for your account will be 25.99% - 28.99%.
SimplyCash Preferred Card from American Express

On website

SimplyCash Preferred Card from American Express

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$119.88 p.a. ongoing

Highlights

  • Get a 10% cashback bonus on all purchases (up to $2,000 in spending) during your first 3 months. Plus, receive a $50 statement credit when you make a purchase in month 13. This offers up to $250 in bonus value within your first 13 months. Terms and Conditions apply.
  • Earn 4% cashback on gas and grocery.
  • Earn 2% cashback on other eligible transactions.

Pros

  • Earn generous cash back when you meet the eligibility requirements.
  • No fee when you get an additional card.
  • Includes Travel coverage and Mobile coverage.
  • Access events and special offers curated for Cardmembers with Amex Experiences™.

Cons

  • There is a $9.99 monthly fee.
American Express Platinum Card

On website

American Express Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

N/A

Annual fee

$799.00 p.a. ongoing

Highlights

  • Earn up to 110,000 Membership Rewards points. Get 80,000 welcome bonus points when you charge $10,000 in purchases to your Card in the first three months of Cardmembership. Earn an additional 30,000 points when you make a purchase between 14 and 17 months of Cardmembership. Terms and Conditions apply.
  • Earn 2 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.
  • Enjoy a $200 annual Travel Credit. Terms and conditions apply.

Pros

  • Earn up to 110,000 points when you meet the criteria.
  • Enjoy complimentary benefits that offer an average value of $600 CAD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
  • Includes travel and shopping coverage.

Cons

  • The $799 p.a. annual fee.
Marriott Bonvoy American Express Card

On website

Apply by August 18, 2025

Marriott Bonvoy American Express Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$120.00 p.a. ongoing

Highlights

  • Earn up to 110,000 Bonus Marriott Bonvoy® points. Earn 65,000 points after spending $3,000 on your card within the first 3 months of card membership. Get an additional 30,000 points after you spend $20,000 on your card in your first 12 months of card membership. Plus, earn 15,000 points when you make a purchase between 15 and 17 months of card membership. Terms and conditions apply.
  • Earn 5 Marriott Bonvoy points for every $1 of eligible Marriott Bonvoy purchases and 2 points on other eligible purchases.
  • Enjoy an Annual Free Night Award after your Card anniversary each year.

Pros

  • Earn up to 110,000 Welcome Bonus points when you meet the criteria.
  • Earn 5X the points on Marriott purchases.
  • Earn 2 points for every $1 in all other eligible card purchases.
  • Receive 15 Elite Night Credits each calendar year.
  • No annual fee on additional cards.

Cons

  • The $120 p.a. annual fee.
SimplyCash Card from American Express

On website

SimplyCash Card from American Express

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn a bonus 5% cashback on all purchases (up to $2,000 in spending) and receive up to $100 in Statement Credits within the first 3 months of Cardmembership. Terms and Conditions apply.
  • Earn 2% cashback on gas and grocery.
  • Earn 1.25% cashback on other eligible transactions.

Pros

  • Earn generous cashback when you meet the eligibility requirements.
  • No annual fee.
  • Enjoy Travel-Related and Shopping Insurance Coverage.
  • Access events and special offers curated for Cardmembers with Amex Experiences™.

Cons

  • There is no balance transfer offer on this card.
Marriott Bonvoy Business American Express Card

Not available for application via this website

Apply by August 18, 2025

Marriott Bonvoy Business American Express Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$150.00 p.a. ongoing

Highlights

  • Earn up to 130,000 Bonus Marriott Bonvoy® points. Earn 75,000 points after spending $6,000 on your card within the first 3 months of card membership. Get an additional 40,000 points after you spend $30,000 on your card in your first 12 months of card membership. Plus, earn 15,000 points when you make a purchase between 15 and 17 months of card membership. Terms and conditions apply.
  • Earn 3 points for every $1 in Card purchases on eligible gas, dining, and travel, 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties, and 2 points for every $1 on all other purchases charged to the Card.
  • Get a free night stay on each anniversary of your card.

Pros

  • Earn up to 130,000 Welcome Bonus points when you meet the criteria.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year including business and travel insurance benefits and services.
  • The $150 annual fee may be tax deductible while getting the flexibility to pay balances in full or over time.
  • Includes Travel Accident Insurance, Flight Delay Insurance, Baggage Delay Insurance, and more.

Cons

  • The $150 p.a. annual fee.
American Express Aeroplan Card

On website

American Express Aeroplan Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

N/A

Annual fee

$120.00 p.a. ongoing

Highlights

  • Earn up to 45,000 Aeroplan points. Earn 35,000 Aeroplan points after spending $3,000 in purchases on your Card in the first 3 months. Plus, 10,000 Aeroplan points when you spend $1,000 in purchases in month 13 of Cardmembership. Terms and Conditions apply.
  • Earn 2 points for every eligible Air Canada and Air Canada Vacations purchase.
  • Earn 1.5 points for eligible dining and food delivery purchases in Canada.

Pros

  • Earn up to 45,000 points when you meet the criteria.
  • Earn 1 point on other eligible transactions.
  • Includes travel coverage.

Cons

  • There is a $120 p.a. annual fee.
American Express Green Card

On website

American Express Green Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn 12,500 Membership Rewards points when you charge $1,250 in purchases to your Card in the first three months of Cardmembership. Terms and Conditions apply.
  • Earn 1x points on everyday purchases.
  • With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada.

Pros

  • Earn 12,500 points when you meet the criteria.
  • No annual fee for the principal and supplementary cardholders.
  • Transfer points 1:1 to several frequent flyer and other loyalty programs.
  • Includes Purchase Protection Plan.

Cons

  • Other cards offer higher signup bonus points.
  • If you miss payments, the applicable rates for your account will be 25.99% and/or 28.99%
American Express Business Platinum Card

Not available for application via this website

American Express Business Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Interest-free days

N/A

Annual fee

$799.00 p.a. ongoing

Highlights

  • Earn up to 120,000 Membership Rewards points. Get 80,000 welcome bonus points when you charge $15,000 in purchases to your Card in the first three months of Cardmembership. Earn an additional 40,000 points when you make a purchase between 14 and 17 months of Cardmembership. Terms and Conditions apply.
  • Earn 1.25x points on eligible purchases.
  • There is no pre-set spending limit.

Pros

  • Earn up to 120,000 points when you meet the criteria.
  • Enjoy complimentary benefits that offer an average value of $600 CAD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
  • Enjoy 55 interest-free days on purchases.
  • Includes business and travel coverage.

Cons

  • The $799 p.a. annual fee.
American Express Business Gold Rewards Card

Not available for application via this website

American Express Business Gold Rewards Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$199.00 p.a. ongoing

Highlights

  • Earn a welcome bonus of 40,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Card membership. Plus earn an additional 10,000 points when you charge $20,000 in net purchases to your Card account each calendar quarter. Terms and Conditions apply.
  • Earn 1x points on eligible purchases.
  • There is no pre-set spending limit.

Pros

  • Earn 40,000 points when you meet the criteria.
  • Enjoy 55 interest-free days on purchases.
  • Includes business, travel, and purchase coverage.

Cons

  • High spend requirement to get bonus points.
American Express Aeroplan Business Reserve Card

Not available for application via this website

Apply by August 18, 2025

American Express Aeroplan Business Reserve Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 140,000 Aeroplan points. Earn 65,000 Aeroplan points after spending $10,500 on your card within the first 3 months of card membership. Get an additional 45,000 points after you spend $75,000 on your card in your first 12 months of card membership. Plus, earn 30,000 points when you make a purchase between 15 and 17 months of card membership. Terms and conditions apply.
  • Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations, 2 points for every $1 spent on eligible hotels and car rentals.
  • Earn 1.25 points for every $1 spent on everything else.

Pros

  • Earn up to 140,000 points when you meet the criteria
  • Earn 1.25x Aeroplan points on other eligible transactions.
  • Includes Business, Travel, and Purchase coverage.

Cons

  • The $599 p.a. annual fee.
American Express Essential™ Credit Card

Not available for application via this website

American Express Essential™ Credit Card

Balance transfer

N/A

Purchase rate

12.99% p.a. ongoing

Interest-free days

N/A

Annual fee

$25.00 p.a. ongoing

Highlights

  • Enjoy a low annual interest rate of 12.99% on purchases and cash advances.
  • Benefit from an affordable annual fee of just $25.
  • Add extra cardholders with no annual fee.

Pros

  • Low interest rate.
  • Get a coverage of up to $100,000 Travel Accident Insurance
  • Enjoy exclusive ticket access, virtual events, and more.
  • Access virtual events and special offers curated for Cardmembers with Amex Experiences™.

Cons

  • You do not earn rewards on this card.
  • If you miss payments, the applicable rates for your account will be 25.99% and/or 28.99%

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