American Express® Membership Rewards® cards have the most valuable transferable points in Canada.
You’ll earn points with participating American Express® credit cards and get the most value by transferring them to airline and hotel partners. This is how you book nearly free travel and save money.
The American Express Platinum® and American Express® Business Platinum both offer some of the biggest bonuses in Canada, often 100,000 points or more.
They come with premium travel benefits, statement credits, and unlimited lounge access, making them a great choice for those who value premium travel experiences.
Best reward cards
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Travel more using points
Get my free beginner guide and weekly tips on credit cards, points, and travel loyalty programs.
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The American Express® Cobalt Card is a must for everyday spending in Canada, whether you’re just starting or already an avid rewards traveller.
You’ll earn an unmatched 5 points per dollar on eats and drinks..
Cards like the American Express® Cobalt give you the best earning opportunities for everyday purchases.
These cards fit different lifestyles and make it simple to earn plenty of valuable points.
Here’s our hand picked list of the best American Express® Rewards® cards in Canada for December 2025.
Best cards by program
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If you have a large upcoming expense, it’s the perfect time to apply for the American Express® Platinum Rewards or the American Express® Business Platinum Rewards.
Meeting the minimum spend requirements is easier, and the welcome bonus posts quickly.
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Best Everyday Card
American Express® Cobalt Card
Terms & Conditions apply
- The American Express® Cobalt Card is the best in Canada for collectors who want to earn flexible Membership Rewards® points from everyday spending.
- You’ll earn an unmatched 5x points per dollar on eats and drinks, plus useful travel and purchase insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
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Best no-fee rewards card
American Express® Green Card
Terms & Conditions apply
- The American Express® Green Card is a card for Membership Rewards® collectors who want to keep earning flexible points on every purchase with no annual fee.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 10,000
Welcome Value: $220
Annual Fee: No Fee
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Best for occasional lounge access
American Express® Gold Rewards Card
Terms & Conditions apply
- The American Express® Gold Rewards Card is a card for Membership Rewards® collectors who value Amex® perks and occasional lounge access.
- You’ll also get statement credits and comprehensive travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 60,000
Welcome Value: $2,190
Annual Fee: $250
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Best mid-range Amex® MR business card
American Express® Business Gold Rewards Card
Terms & Conditions apply
- The American Express® Business Gold Rewards Card is one of the best mid-range travel cards for small business owners who value flexible Membership Rewards® points.
- You’ll get statement credits and useful travel and purchase insurance.
Welcome Points: 40,000
Welcome Value: $1,300
Annual Fee: $199
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Best Luxury Business Travel Card
American Express® Business Platinum Card
Terms & Conditions apply
- The American Express® Business Platinum Card is the best luxury travel card for small business owners who value flexible Membership Rewards® points.
- You’ll get unlimited airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 120,000
Welcome Value: $5,100
Annual Fee: $799
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Best Luxury Travel Card
American Express® Platinum Card
Terms & Conditions apply
- The American Express® Platinum Rewards Card is the best card for Membership Rewards® collectors who value luxury travel experiences.
- You’ll get unlimited airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blueand other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 100,000
Welcome Value: $4,540
Annual Fee: $799
New to Points? Start Here
From points newbie to booking your first trip.
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
New to Points? Start Here
From points newbie to booking your first trip.
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
The AWP Community
Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
The AWP Community
Get more tips & ideas for travelling with points.
Join the AWP community to get guidance, updates, and practical tips on using points for travel.
