Charge cards

With no preset spending limit, attractive sign up bonuses, and solid earn rates for rewards points, compare what charge card can offer you.

Andrew Boyd avatar
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David Boyd avatar
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Updated 13 Jun 2025   |   Rates updated regularly

Comparing of 2 charge cards

American Express Platinum Card

On website

FeaturedApply by August 18, 2025

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 180,000 Membership Rewards points: Get 100,000 points when you spend $10,000 in the first 3 months, 50,000 more after spending $50,000 in your first year, and an extra 30,000 points with a purchase between months 15 and 17. T&Cs 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 180,000 points when you meet the criteria.
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 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.
American Express Gold Rewards Card

On website

Apply by August 18, 2025

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 110,000 Membership Rewards points: New American Express Gold Rewards Cardmembers can earn 5,000 points for each month they spend $1,000 (up to 12 months), 30,000 bonus points after spending $20,000 in the first 12 months, and an extra 20,000 points with a purchase made between months 15 and 17. T&Cs apply.
  • 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 110,000 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%

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