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Amex credit cards 6 cards tracked

The best American Express credit cards in Canada for 2026.

American Express Canada's lineup includes Membership Rewards cards (Cobalt, Gold Rewards and Platinum), co-branded Aeroplan cards and the Marriott Bonvoy card. Amex's page says the Cobalt earns 5x points on eligible eats and drinks. Each card's current welcome offer and annual fee are in the card list below.

Income range

Not listed on the Amex offer pages we track. Amex asks for employment, income and bank account details when you apply.

Credit score

No minimum score is stated. Amex's page says you need a Canadian credit file, Canadian residency and the age of majority where you live.

Best for

Grocery and dining spend (Cobalt), Membership Rewards points you can transfer to frequent-flyer programs, Aeroplan and Marriott Bonvoy collectors

All 6 Amex cards we track.

Amex card lineup

  • American Express Cobalt

    Up to 15,000 Membership Rewards points

    Only for new Cobalt Cardmembers. Current or former Cobalt Cardmembers can't get the offer. You earn 1,250 Membership Rewards points for each monthly billing period in your first year in which at least $750 in net purchases posts to your account by the last day of the billing period. That adds up to a maximum of 15,000 points. A purchase that posts after the period ends counts toward the next period. Your account must be in good standing. Bonus points can take up to 8 weeks to arrive. Amex says the offer is subject to change. The card fee is $15.99 a month ($191.88 a year); Quebec residents pay $191.88 once a year. This is the standard public offer. Amex's Cobalt page may show some visitors a higher Elevated Offer.

    Annual fee: $191.88/year

    Read full review → Get this offer

  • American Express Aeroplan Reserve

    Up to 85,000 Aeroplan points

    For new American Express Aeroplan Reserve Cardmembers only. Current or former Reserve Cardmembers can't get it. You earn 60,000 Aeroplan points when at least $7,500 in net purchases post to your account within your first 3 months. You earn another 25,000 points when you spend $2,500 in month 13 of Cardmembership. Amex may also deny the bonus if you already received Aeroplan welcome points on the same category of Aeroplan card from another issuer. The offer can change at any time. Annual fee is $599. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $799. This is the standard public offer. Amex's other Aeroplan Reserve product page may show some visitors a higher Elevated Offer.

    Annual fee: $599/year

    Read full review → Get this offer

  • American Express Platinum

    Up to 100,000 Membership Rewards points (70,000 after $10,000 spend in 3 months + 30,000 for a purchase in months 15–17)

    New Platinum Cardmembers only (current or former Platinum Cardmembers are not eligible). 70,000 MR points after $10,000 in net purchases posted in the first 3 months; an additional 30,000 MR points for one purchase of any amount charged between months 15 and 17 of Cardmembership. $799 annual fee (charge card). This is the standard public offer. Amex's Platinum page may show some visitors a higher Elevated Offer.

    Annual fee: $799/year

    Read full review → Get this offer

  • American Express Aeroplan

    Up to 45,000 Aeroplan points

    New American Express Aeroplan Cardmembers only. You get 35,000 Aeroplan points after $7,500 in net purchases within the first 6 months, plus 10,000 more points when you spend $1,000 in month 13 of Cardmembership. Current or former Cardmembers with this Card are not eligible. You may also not be eligible if you already received welcome or incentive Aeroplan points on an Aeroplan card of the same category from another issuer. Other terms apply. Annual fee is $120. Amex's notice on the page says annual fees charged on or after January 12, 2027 will be $150.

    Annual fee: $120/year

    Read full review → Get this offer

  • American Express Gold Rewards

    Up to 60,000 Membership Rewards points

    New American Express Gold Rewards Cardmembers only; current or former Gold Rewards Cardmembers can't get the bonus. You earn 5,000 points for each monthly billing period in your first year of Cardmembership in which at least $1,000 in net purchases posts to your account by the last day of that billing period. Over 12 billing periods that adds up to 60,000 points, which takes at least $12,000 in spending. Bonus points can take up to eight weeks to post. $250 annual fee.

    Annual fee: $250/year

    Read full review → Get this offer

  • Marriott Bonvoy American Express

    Up to 70,000 Marriott Bonvoy points

    New Marriott Bonvoy American Express Cardmembers only. Earn 60,000 points after at least $3,000 in net purchases within the first 3 months, plus an additional 10,000 points after at least $500 in net purchases during month 13. The month-13 bonus requires keeping the card into the second year, and the second-year annual fee is payable. Current or former cardmembers of this card are not eligible. Amex says the offer is subject to change at any time. Annual fee is $120.

    Annual fee: $120/year

    Read full review → Get this offer

About Amex cards

What to know before applying.

The American Express cards in our list fall into two groups. Membership Rewards cards earn points that Amex says you can transfer to several frequent-flyer and other loyalty programs, at ratios that vary by program. Co-branded cards earn Aeroplan or Marriott Bonvoy points directly. Many Amex welcome offers are paid out over time: the Cobalt, for example, pays a set number of points for each month in your first year that you hit a spending target. Read each offer's conditions before you apply. Not every merchant takes Amex, so a Visa or Mastercard as a backup is worth having.

Best for

Grocery and dining spend (Cobalt), Membership Rewards points you can transfer to frequent-flyer programs, Aeroplan and Marriott Bonvoy collectors

Not for

Costco shoppers (Costco warehouses in Canada take Mastercard as their only credit card), and heavy foreign-currency spenders (Amex's Platinum page lists a 2.5% foreign currency conversion commission)

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FAQ

Common questions about Amex cards.

Is American Express accepted everywhere in Canada?

No. Costco warehouses in Canada, for example, accept Mastercard as their only credit card. Acceptance at smaller and independent merchants varies too, so it's worth carrying a Visa or Mastercard as a backup.

Can I get an Amex welcome bonus more than once?

Not on the same card. Each Amex offer we track is only for new Cardmembers of that specific card, so if you hold it now or held it before, you can't get its welcome bonus again. On the Amex Aeroplan cards, Amex can also refuse the bonus if you already received Aeroplan welcome points on the same category of Aeroplan card from another issuer.

Does Amex have a foreign transaction fee in Canada?

Amex's Platinum Card page says a 2.5% foreign currency conversion commission applies to purchases made in a foreign currency. For other Amex cards, check the fee in that card's terms before relying on it abroad. If you want a card without foreign transaction fees, Scotiabank's page for the Passport Visa Infinite says it has none.

What credit score do I need for an Amex card?

Amex doesn't publish a minimum score. Its page says you need to be a Canadian resident with a Canadian credit file and have reached the age of majority where you live, and the application asks for your employment, income and bank account details, so the decision rests on your whole application rather than one number.