American Express · Credit Cards
American Express Credit Cards in Canada
American Express issues several kinds of travel cards in Canada: Membership Rewards cards, whose points transfer to Aeroplan and other airline and hotel programs; co-branded Aeroplan cards that earn Air Canada points directly; and co-branded Marriott Bonvoy cards that earn hotel points and an annual free night. Amex publishes no income requirement on its personal cards.
Membership Rewards — Personal
| Card | Annual fee | Best for |
|---|---|---|
| American Express Cobalt Card | $155.88 | Heavy spenders on restaurants, food delivery, and groceries who want 5x transferable points and a monthly fee |
| American Express Gold Rewards Card | $250 | Everyday earners who want 2x on travel, gas, grocery, and drugstore, with a $100 travel credit offsetting the fee |
| American Express Platinum Card | $799 | Frequent travellers who want Global Lounge Collection access, $400 in annual credits, and Marriott and Hilton status |
Aeroplan — Personal
| Card | Annual fee | Best for |
|---|---|---|
| American Express Aeroplan Card | $120 | Aeroplan earners who want 2x on Air Canada and 1.5x on dining without a high annual fee |
| American Express Aeroplan Reserve Card | $599 | Frequent Air Canada flyers who want unlimited Maple Leaf Lounge access, 3x on Air Canada, and a companion pass at $25,000 spend |
| Aeroplan Card vs. Reserve | Side-by-side comparison with breakeven calculator |
Marriott Bonvoy — Hotel
| Card | Annual fee | Best for |
|---|---|---|
| Marriott Bonvoy American Express Card | $120 | Occasional Marriott guests who want an annual free night (up to 35,000 points), Silver status, and 5x at Marriott |
| Marriott Bonvoy Business American Express Card | $150 | Travelling businesses that want the annual free night plus a wider 3x on gas, dining, and travel on top of 5x at Marriott |
Aeroplan — Business
| Card | Annual fee | Best for |
|---|---|---|
| American Express Aeroplan Business Reserve Card | $599 | Frequent Air Canada business travellers who want Maple Leaf Lounge access with a guest, 3x on Air Canada, 2x on hotels and car rentals, and a flat $99 companion pass. |
Membership Rewards — Business
| Card | Annual fee | Best for |
|---|---|---|
| American Express Business Platinum Card | $799 | High-travel businesses that want unlimited Centurion and Priority Pass lounge access, Fixed Points Travel, hotel status at Marriott and Hilton, and the International Airline Program |
| American Express Business Edge Card | $89 | Everyday business spenders who want 3x Membership Rewards on restaurants, transit, and gas without paying for travel perks they won’t use |
| American Express Business Gold Rewards Card | $199 | Business owners who want a flat 1x on every dollar, transferable points, and a charge card with no preset spending limit |
Which American Express card is the right fit?
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