These are the best credit cards for earning transferable points in Canada if you want to fly for nearly free
American Express® Membership Rewards® are the best points in Canada.
That’s because you earn the most flexable and valuable transferable points.
You’ll earn points on everything you buy with participating American Express® credit cards.
You then get the most value by transferring them to airline and hotel partners to book nearly free travel and save money on your trips.
The American Express Platinum Card® and the Business Platinum Card® offer some of the biggest bonuses in Canada. They often have 100,000 points or more for a welcome bonus.
These cards also come with premium travel benefits, statement credits, and unlimited lounge access for a better travel experience.
Here’re our hand-picked picks for the best American Express® cards for earning points in Canada for February 2026.
Best reward cards
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Cards like the American Express® Cobalt give you the best earning opportunities for everyday purchases. You’ll earn an unmatched 5 points per dollar on eats and drinks.
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 February 2026.
Best cards by program
AWP TIP
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.
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 Blue and other airlines. Sometimes there’s a transfer bonus.
- Elevated best offer is available via a referral link.
Welcome Points: 110,000
Welcome Value: $4,960
Annual Fee: $799
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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 enjoy 4 complimentary Plaza Premium lounge visits each year.
- You’ll also get statement credits and comprehensive travel insurance.
- Points transfer to Marriott Bonvoy®, Hilton Honors, Aeroplan®, Flying Blue and other airlines.
- Elevated best offer is available via a referral link.
Welcome Points: 70,000
Welcome Value: $2,410
Annual Fee: $250
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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 Blue and other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annually Fee: $191.88 ($15.99 Monthly)
⚠ Disclaimer: The information in this content may become outdated over time. For the most accurate and up-to-date details, please visit the Apply Now link provided.
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.
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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.
