The best American Express cards in Canada let you earn the most flexible and valuable American Express Membership Rewards points for free flights and hotels. Plus, exclusive travel benefits.
That’s because you earn plenty of Membership Rewards points on everything you buy with your American Express credit cards. You’ll earn the most Amex points by using cards that earn multipliers on categories you spend most.
For example, using the Amex Cobalt for groceries and dining will earn you 5x points per dollar. You can also earn 2x points on travel with the Platinum Card.
The best part about Membership Rewards points is that you can transfer them to many travel partners.
This includes Aeroplan, Flying Blue, and British Airways for free flights. Plus, Marriott Bonvoy and Hilton Honors for free hotel stays.
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.
As of July 2026, American Express added ALL Accor Hotels as a partner. Platinum and Business Platinum cardholders get Gold status with ALL Accor Hotels. Plus, Membership Rewards points transfer to ALL Accor Hotels to book iconic hotel stays at properties like the Novotel and Fairmont.
Here’re our hand-picked best American Express cards for earning points in Canada for September 2026.
Best reward cards
AWP TIP
You can have up to four American Express credit cards at the same time. This includes personal and business credit cards.
However, charge cards do not count toward this four-card limit. Amex charge cards include the Platinum, Business Platinum, and Business Gold Cards.
Our Best American Express Rewards Cards
Best mid-range 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.
As a business charge card, there’s no preset spending limit, giving your business dynamic purchasing power and extra flexibility.
For a limited time, you’ll get an all-time high up to 70,000 welcome Membership Rewards points with the American Express Business Gold Rewards Card.
Welcome Points: Elevated 70,000
Welcome Value: Elevated $1,960
Annual Fee: $199
⚠ 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
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 in Canada each year.
You’ll also get statement credits and comprehensive travel insurance.
Points transfer to Marriott Bonvoy, Hilton Honors, Aeroplan, Flying Blue, and all-new ALL Accor Hotels and other airlines.
Welcome Points: 60,000
Welcome Value: $2,190
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 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 airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance.
You earn 1.25 Membership Rewards points per $1 on everything.
Points transfer to Aeroplan, Flying Blue, British Airways Avios, and Cathay Pacific. Plus, Marriott Bonvoy, Hilton Honors, and all-new ALL Accor Hotels. Sometimes there’s even 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 Luxury Travel Card
American Express Platinum Rewards 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 worldwide airport lounge access, statement credits, complimentary hotels and car rentals Elite status, and premium travel insurance. Plus, $600+ worth of credits.
Points transfer to Aeroplan, Flying Blue, British Airways Avios, and Cathay Pacific. Plus, Marriott Bonvoy, Hilton Honors, and all-new ALL Accor Hotels. Sometimes there’s even a transfer bonus.
For a limited time, you’ll get an elevated 100,000 welcome points with the American Express Platinum Rewards Card.
Welcome Points: Elevated 100,000
Welcome Value: $4,465
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 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 groceries and dining, plus useful travel and purchase insurance.
Points transfer to Marriott Bonvoy, Hilton Honors, Aeroplan, Flying Blue, and all-newAccor Hotels and other airlines. Sometimes there’s a transfer bonus.
Welcome Points: 15,000
Welcome Value: $590
Annual 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.
Best cards by program
What to Look for in the Best American Express Rewards Cards
Choosing the best American Express cards in Canada means you're earning the most flexible and valuable points for nearly free travel.
When choosing from the best American Express cards in Canada, consider these three aspects: the welcome bonus, earn rates, and the benefits that matter to you.
Welcome Bonuses
Welcome offers are the fastest way for you to earn plenty of points. Amex often has the highest welcome bonuses in Canada.
Premium cards like the Platinum or Business Platinum sometimes offer 100,000 points or more. The Business Gold Card also offers substantial bonuses you earn as soon as you meet the minimum spend requirement.
A large upcoming expense is the perfect time for you to apply and earn a sizable bonus for free flights or hotels.
Earn Rates
You’ll earn more on the money you're already spending by picking a card that fits your habits.
Some cards, like the Amex Cobalt, offer an unmatched 5 points per dollar on eats and drinks. Other Amex cards, like the Gold Rewards Card, offer a higher 2 points per dollar on all eligible travel purchases.
Benefits
Card benefits provide a lot of value and help cover the annual fee.
With the Platinum and Business Platinum, you get your lululemon and dining credits. Plus, you'll get unlimited airport lounge access and elite status with hotel programs.
You’ll also get annual travel credits with the Platinum, Business Platinum, and Gold Rewards cards.
Summary of the Best American Express Rewards Cards
Choosing the best everyday cards in Canada comes down to both the number of points you earn and their value
Look for cards that offer the highest earn rate where you spend the most. You want to focus on cards that offer the best travel value for the top travel loyalty programs in Canada.
You’ll find options that help you save money and enjoy nearly free travel. These cards fit different lifestyles and make it simple to earn plenty of valuable points from everyday spending.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
Business Award Concierge
Have a business? Book a complimentary call to see how our done-for-you Business Award Concierge can turn your business expenses into $50K luxury travel.
Limited spots available.
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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