Earn rates

Spending category Earn rate Value per $100 spent
Eligible dining & food delivery in Canada 3 pts / $1 ~$3.00
Eligible travel (flights, hotels, tours and more) 2 pts / $1 ~$2.00
Everything else 1 pt / $1 ~$1.00

This is a charge card: balances are due in full each month, with a Flexible Payment Option on eligible charges. 1 Membership Rewards point ≈ $0.01 CAD as a baseline; transfers to Aeroplan and other airline partners can return more per point.

Benefits

Benefit Details
Annual travel credit $200 statement credit each year for eligible travel.
Annual dining credit $200 in statement credits at select restaurants each year. Together with the travel credit, $400 of the fee is recoverable in everyday use.
Airport lounge access American Express Global Lounge Collection: access to 1,400+ lounges worldwide, including the Centurion Lounge network and Plaza Premium lounges.
Hotel status Marriott Bonvoy Gold Elite and Hilton Honors Gold status by enrolment. Fine Hotels + Resorts benefits (room upgrades, late checkout, on-property credit) at participating properties.
NEXUS credit $100 statement credit toward a NEXUS application or renewal, once every four years.
Priority Travel at Toronto Pearson Priority security lane, complimentary valet, and a parking discount.
Travel insurance Travel medical (15 days, age 64 and under), trip cancellation ($2,500), trip interruption ($2,500), flight delay ($1,000), baggage delay ($1,000), lost or stolen baggage ($1,000), common carrier travel accident ($500,000), car rental theft and damage, and hotel burglary. Coverage limits and eligibility per certificate.
Additional cards $250 per additional Platinum Card; up to two Gold Cards free, then $50 each.
Welcome bonus A large Membership Rewards welcome offer applies to new Cardmembers. Verify the current offer with American Express before applying.
Foreign transactions 2.5% currency conversion charge on purchases in a foreign currency. No waiver.

What your monthly spend earns

Monthly spend $2,500
Category Monthly spend Rate Monthly pts
Dining & food delivery $300 3x 900
Travel $250 2x 500
All other spending $1,950 1x 1,950
Total $2,500 3,350 pts / mo

40,200 pts / year (~$402 at the $0.01 baseline). The card is not bought for everyday earn: the $400 in annual credits, lounge access, and hotel status carry the value for frequent travellers.

Good fit if

  • You travel enough to use lounges often. The Global Lounge Collection, including Centurion and Plaza Premium, is the card's centrepiece.
  • You will use both annual credits. The $200 travel and $200 dining credits recover half the fee before any points are counted.
  • You stay at Marriott and Hilton properties. Gold status and Fine Hotels + Resorts perks add up across a year of travel.

Less useful if

  • You travel only once or twice a year. The lounge access and status will not return the $799 fee on light use.
  • You want a card that pays its own way on everyday spend. Most non-dining, non-travel purchases earn 1x here.
  • You prefer to pay over time. This is a charge card; balances are due in full each month outside the Flexible Payment Option.
Membership Rewards program → All American Express cards →