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 10 May 2024

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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

21.99% p.a. ongoing

Annual fee

$155.88 p.a. ongoing

Highlights

  • Earn up to 15,000 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 5X the points on eligible eats & drinks, 2X the points on eligible travel & transit, 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 15,000 points when you meet the criteria.
  • Earn 3X the 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

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%
American Express Aeroplan Reserve Card

On website

American Express Aeroplan Reserve Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 85,000 Aeroplan points. Earn 60,000 Aeroplan points after spending $7,500 on your Card within the first 3 months of Cardmembership. Plus an additional 25,000 points when you spend $2,500 in month 13. Terms and Conditions apply.
  • Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024.
  • 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 85,000 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

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

$799.00 p.a. ongoing

Highlights

  • Earn up to 100,000 Membership Rewards points. Get 70,000 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 100,000 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

Marriott Bonvoy American Express Card

Balance transfer

N/A

Purchase rate

21.99% 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

21.99% 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

Marriott Bonvoy Business American Express Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$150.00 p.a. ongoing

Highlights

  • Earn 60,000 Welcome Bonus Marriott Bonvoy® points after you charge $5,000 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

  • Earn 60,000 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 Business Edge Card

American Express Business Edge Card

Balance transfer

N/A

Purchase rate

21.99% 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 50,000 Aeroplan points. Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card in the first 3 months. Plus, 20,000 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 50,000 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

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

American Express Business Platinum Card

Balance transfer

N/A

Purchase rate

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

American Express Business Gold Rewards Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

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

American Express Aeroplan Business Reserve Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$599.00 p.a. ongoing

Highlights

  • Earn up to 90,000 Aeroplan points. Earn 65,000 Aeroplan points after spending $10,500 on your Card within the first 3 months of Cardmembership. Plus an additional 25,000 points when you spend $2,500 in month 13. 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 90,000 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.