American Express credit cards

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

By   |   Verified by David Boyd   |   Updated 6 Sep 2023

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Comparing American Express credit cards

American Express Cobalt Card

On website

Featured

American Express Cobalt Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$155.88 p.a. ongoing

Highlights

  • Earn up to 30,000 Membership Rewards points. In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in purchases on your Card.
  • Earn 5X the points on eligible eats & drinks, 2X the points on eligible travel & transit, 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 30,000 points when you meet the criteria.
  • Earn 2X the points on eligible transit & gas purchases in Canada.
  • No fees when you get additional cards.
  • Enjoy benefits at over 600 participating hotels and resorts in over 30 countries.

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% and/or 28.99%
American Express Gold Rewards Card

On website

American Express Gold Rewards Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$250.00 p.a. ongoing

Highlights

  • Earn up to 60,000 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.
  • 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 60,000 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%
SimplyCash Preferred Card from American Express

On website

SimplyCash Preferred Card from American Express

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$119.88 p.a. ongoing

Highlights

  • Earn up to $400 in Statement Credits when you spend $750 in each monthly billing for the first 10 months of Cardmembership. Terms and Conditions apply.
  • Earn 4% cashback on gas and grocery.
  • Earn 2% cashback on other eligible transactions.

Pros

  • Earn up to $400 in statement credits in the first 10 months when you meet the criteria.
  • No fee when you get an additional card.
  • Includes Travel coverage and Mobile coverage.

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

Annual fee

$699.00 p.a. ongoing

Highlights

  • Earn 80,000 Membership Rewards points when you charge $7,500 in purchases to your Card in the first three months of Cardmembership. Terms and Conditions apply.
  • 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.
  • Enjoy a $200 annual Travel Credit. Terms and conditions apply.

Pros

  • Earn up to 80,000 points when you meet the criteria.
  • Access to more than 1,300 airport lounges across 140 countries.
  • Includes travel and shopping coverage.

Cons

  • The $699 p.a. annual fee.
Marriott Bonvoy American Express Card

On website

Marriott Bonvoy American Express Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$120.00 p.a. ongoing

Highlights

  • Earn 50,000 Marriott Bonvoy points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. 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 50,000 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

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn up to $100 in Statement Credits when you spend $300 in each monthly billing for the first 10 months of Cardmembership. Terms and Conditions apply.
  • Earn 2% cashback on gas and grocery.
  • Earn 1,25% cashback on other eligible transactions.

Pros

  • Earn up to $100 in statement credits in the first 10 months when you meet the criteria.
  • No annual fee.
  • Enjoy Travel-Related and Shopping Insurance Coverage.

Cons

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

On website

Marriott Bonvoy Business American Express Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$150.00 p.a. ongoing

Highlights

  • Earn 50,000 Welcome Bonus Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. 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

  • 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 Business Edge Card

On website

American Express Business Edge Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • Earn up to 67,000 points. Earn 45,000 Membership Rewards points after you charge $5,000 in purchases to your Card in your first three months of Cardmembership. Earn an additional 1,000 Membership Rewards points for each monthly billing period when you charge $3,000 in purchases on your Card in the first 12 months. Plus earn 10x points for every $1 spent on eligible business essentials within 6 months of cardmembership. Terms and Conditions apply.
  • The $99 annual fee may be tax deductible while getting the flexibility to pay balances in full or over time.
  • When the welcome offer ends, you can still earn 3 points for every $1 in Card purchases on eligible office supplies & electronics, rides &gas, and eats & drinks.

Pros

  • Get an additional card at no extra cost.
  • Includes Business, Travel, and Purchase coverage.
  • Earn 1x point for every $1 spent.

Cons

  • Other cards offer a higher signup bonus.
American Express Aeroplan Card

On website

American Express Aeroplan Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$120.00 p.a. ongoing

Highlights

  • Earn up to 40,000 Aeroplan points. Earn 3,000 Aeroplan points for each monthly billing period in which you spend $1,000 in net purchases on your Card for the first 10 months of Cardmembership. Plus, 10,000 Aeroplan points when you make a purchase between 14 and 17 months 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 40,000 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 Aeroplan Reserve Card

On website

American Express Aeroplan Reserve Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 90,000 Aeroplan points. Earn 5,000 Aeroplan points for each Additional Aeroplan Reserve Card (maximum of 2) with an annual fee added to your account at the time of application. Get 7,500 Aeroplan points for each monthly billing period in which you spend $2,000 in net purchases on your Card for the first 6 months of Cardmembership. Plus an additional 35,000 points when you spend $6,000 in net purchases between 13 and 16 months of Cardmembership. Terms and Conditions apply.
  • Earn 3 points for every eligible Air Canada and Air Canada Vacations purchase.
  • Earn 2 points for eligible dining and food delivery purchases in Canada.

Pros

  • Earn up to 90,000 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.
American Express Green Card

On website

American Express Green Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn 10,000 Membership Rewards points when you charge $1,000 in purchases to your Card in the first three months of Cardmembership. Terms and Conditions apply.
  • Earn 1x points on everyday purchases.
  • With American Express Experiences and Front Of The Line, American Express Cardmembers get access to amazing events in Canada.

Pros

  • Earn 10,000 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

On website

American Express Business Platinum Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$499.00 p.a. ongoing

Highlights

  • Earn 90,000 Membership Rewards points when you charge $10,000 in purchases to your Card in the first three months of Cardmembership. Terms and Conditions apply.
  • Earn 1.25x points on eligible purchases.
  • There is no pre-set spending limit.

Pros

  • Earn 90,000 points when you meet the criteria.
  • Enjoy 55 interest-free days on purchases.
  • Includes business and travel coverage.

Cons

  • The $499 p.a. annual fee.
American Express Business Gold Rewards Card

On website

American Express Business Gold Rewards Card

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$199.00 p.a. ongoing

Highlights

  • Earn up to 110,000 points. Earn a welcome bonus of 70,000 Membership Rewards points when you spend $5,000 in purchases within the first three months of Cardmembership. 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 110,000 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

On website

American Express Aeroplan Business Reserve Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 95,000 points. Earn 5,000 points for each Employee Aeroplan Business Reserve Card (maximum of 2) with an annual fee added to your account at the time of application. Get an additional 7,500 Aeroplan points after each billing period in which you spend $3,000 in net purchases on your Card for the first six months of Cardmembership. Plus earn 40,000 Aeroplan points when you spend $9,000 in net purchases between 13 and 16 months of Cardmembership. Terms and Conditions apply.
  • Earn 3x Aeroplan points on eligible direct purchases with Air Canada and Air Canada Vacations.
  • Earn 2x Aeroplan points on eligible hotel and car rentals.

Pros

  • Earn up to 95,000 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.