American Express Membership Rewards® are the most valuable transferable points in Canada.
It’s a flexible rewards program that lets you earn points with participating American Express® credit cards and redeem them for cashback, gift cards, travel, and more.
You’ll earn plenty of Membership Rewards® points with cards like the American Express® Cobalt, Gold, Business Gold, Platinum, and Business Platinum.
You’ll get the most value by transferring points to airline and hotel partners to book nearly free travel.
Here’s how to earn, use, and get the most from your Membership Rewards®.
What Are Amex MR® Points
Membership Rewards® are the points you earn through the American Express Membership Rewards® program.
You’ll need a card that earns Membership Rewards® such as the American Express® Cobalt, Gold Business Gold, Platinum, and Business Platinum.
You’ll earn points every time you use a participating card, with some earning more on categories like groceries, dining, or travel.
You can redeem Membership Rewards® for cashback, gift cards, and more. You’ll get the highest value when you transfer them to airline and hotel partners for travel.
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Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
The AWP Newsletter
Fuel your adventures with points
Signup to get expert guidance and the latest Canadian points and miles tips. Learn how easy it is to travel more for nearly free.
Why Amex MR® are Most Valuable
Membership Rewards® are the most valuable points in Canada. You’ll earn them with cards such as the American Express® Cobalt, Gold, and Platinum.
You’ll have the flexibility to redeem points the way you want. You can redeem them for cashback, gift cards, or shopping at about 0.5 to 1.4 per point.
You’ll get the most value when you transfer Membership Rewards® to travel partners. Transfers often give you 2.2 cents or more per point, making them one of the best ways to save money and book nearly free travel.
Points Valuation in 2025
Wondering how much travel points are worth?
Not all points have the same value. We will help you sort it out and get the most value in Canada.
Points Valuation in 2025
Wondering how much travel points are worth?
Not all points have the same value. We will help you sort it out and get the most value in Canada.
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2.00 ¢
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0.70 ¢
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1.00 ¢
How to Earn Amex MR® Points
You can earn Membership Rewards® with American Express® cards like the Cobalt®, Gold®, and Platinum®. You don’t need to be a big spender to get started.
You’ll find many ways to earn points. Welcome bonuses are the fastest, but you’ll also earn through everyday spending, Amex® Offers, referrals, upgrade promotions, adding authorized users and and shopping portals.
Check out our guide to earning Membership Rewards® for more easy strategies to earn points without overspending.
Welcome Bonuses
The fastest way to earn Membership Rewards® is through welcome bonuses. You’ll earn a welcome bonus after meeting the minimum spend.
Some cards, like the Platinum, Business Platinum, and Business Gold, offer big bonuses tied to a larger spend in the first few months. The best strategy is to time these with planned expenses so you earn the bonus without overspending.
Other cards, like the Cobalt® and Gold, spread the bonus across monthly spend in the first year. That makes it easy to align with your regular budget.
Most American Express® cards in Canada have an associated fee, but the welcome bonus and perks usually outweigh it. Check out the top offers for generous welcome bonuses, and learn how to meet the minimum spending without overspending.
The American Express® Platinum is always in our wallet thanks to these benefits. With it, we’ve enjoyed lounge access, Gold Elite status with Hilton Honors and Marriott Bonvoy®. Plus, annual $200 travel and $200 restaurant credits.
Best Amex MR® Welcome Offers
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Earn 120,000 bonus MR points
$4,062 First-Year Value
$799 Annual Fee
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Earn 100,000 bonus MR points
$1,085 First-Year Value
$199 Annual Fee
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Earn 15,000 bonus MR points
$1,380 First-Year Value
$156 Annual Fee ($12.99 Monthly)
Earn Maximum Points From Everyday Spending
Using your American Express® cards regularly is the easiest way to keep earning.
You’ll earn points faster when you match your card to what you naturally spend on.
For example, the American Express Cobalt® gives you 5x points on groceries, dining, and food delivery. The American Express Gold® earns 2x points on travel, gas, groceries, and drugstores in Canada.
American Express Membership Rewards® Cards
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Best luxury travel card
Earn 2x points per $1 on travel and dining & food delivery in Canada.
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Best business travel card
Earn 1.25x points per $1 on everything.
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Large ongoing spend.
Earn 1x points per $1 on everything. Plus 10K MR points after spending $20K quarterly.
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Best Basic Lounge Access
Earn 2x points per $1 on travel. Also gas, groceries & drugstores in Canada.
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Best Everyday Card
Earn 5x points per $1 on eats & drinks in Canada, up to $2,500 per month.
How to Redeem Amex MR® Points
You can redeem your Membership Rewards® through the Amex® portal, statement credits, gift cards, or merchandise.
The best value comes from transferring Membership Rewards to airline and hotel partners. That’s how you book premium flights and hotels almost anywhere while saving money on travel.
Airline and Hotel Partners
You can transfer your Membership Reward® in Canada to some of the top airline and hotel loyalty programs. You’ll get access to over 50 airlines, including premium and business class cabins, plus global hotel partners.
Some of the best airline options include Air Canada Aeroplan® and Air France/KLM Flying Blue. You can also transfer Membership Rewards® to Marriott Bonvoy® and Hilton Honors for city stays, overseas hotels, and luxury resorts.
Here’s a full list of Amex® Travel partners in Canada and how to transfer your American Express Membership Rewards®.
AWP TIP
You’ll want to set up your loyalty accounts early and link them in your Membership Rewards® profile as soon as you get your Amex® card.
This way, transfers will be faster when you’re ready.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Points Beginner’s Guide
From points newbie to booking your first trip.
Learn how easy it is for Canadians to earn points. Choose the best credit cards and programs. Make your first redemption for almost free travel.
Amex MR® FAQ
Here’s some answers to the most common questions about American Express Membership Rewards®:
Bottom Line
American Express Membership Rewards® are the most valuable transferable points in Canada. It’s easy to earn Amex points with many cards and multiple ways to earn without overspending.
They’re super flexible, with plenty of redemption options. You’ll get the most value by transferring Membership Rewards® to airline and hotel partners.
Whether you’re visiting family in Canada or the U.S., or planning a luxury vacation in Europe, Membership Rewards® points will get you there while saving money on travel.
