All eligible purchases
2 Scene+ pts/$1
PREMIUM SERVICE
Updated Jul 2026
American Express
World-class service, high reward rates, and exclusive experiences.
CREDIT CARD
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Compare Top Amex Cards
Comparing results based on your preferences.
Auto-updates
Annual Fee
$399
Purchase
9.99%
Cash Adv.
9.99%
Scotiabank
Best For
[
Travel Rewards
]
[
Low Interest
]
[
Premium
]
Est. 1st Yr Value: $2461
Scene+
Welcome Bonus: Earn up to 80,000 bonus Scene+ points in the first 14 months.
Highlights:
No Foreign Transaction Fees
•
Airport Lounge Access
•
Travel Medical Insurance
•
Mobile Device Insurance
+6 more
Purchase APR
9.99%
Cash Advance APR
9.99%
Annual Fee
$399
Foreign Tx Fee
—
Personal Income
$12,000
Household Income
—
Credit Score
—
Add. Card Fee
$99
Annual Fee
$599
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Premium
]
Est. 1st Yr Value: $1442
Aeroplan
Welcome Bonus: Up to 90,000 Welcome Bonus Aeroplan points
Highlights:
Airport Lounge Access
•
Travel Medical Insurance
•
Free Checked bag
•
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$599
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$199
Annual Fee
$120
Purchase
21.99%
Cash Adv.
22.99%
Scotiabank
Best For
[
Travel Rewards
]
[
Premium
]
[
Rewards
]
Est. 1st Yr Value: $1378
Scene+
Welcome Bonus: Earn up to 45,000 bonus Scene+ points in welcome offers and first-year rewards.
Highlights:
No Foreign Transaction Fees
•
Airport Lounge Access
•
Travel Medical Insurance
•
Mobile Device Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
22.99%
Annual Fee
$120
Foreign Tx Fee
—
Personal Income
$12,000
Household Income
—
Credit Score
—
Add. Card Fee
$29
Annual Fee
$599
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Premium
]
[
Rewards
]
Est. 1st Yr Value: $1369
Aeroplan
Welcome Bonus: Up to 85,000 Welcome Bonus Aeroplan points
Highlights:
Airport Lounge Access
•
Travel Medical Insurance
•
Free Checked bag
•
Car Rental Collision/Loss Damage Waiver
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$599
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Annual Fee
$120
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Rewards
]
Est. 1st Yr Value: $987
Aeroplan
Welcome Bonus: Up to 45,000 Welcome Bonus Aeroplan points
Highlights:
Free Checked bag
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$120
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$50
Annual Fee
$150
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $823
Welcome Bonus: Up to 80,000 Bonus Marriott Bonvoy points
Highlights:
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
•
Flight Delay Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$150
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$50
Annual Fee
$120
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Rewards
]
Est. 1st Yr Value: $767
Welcome Bonus: Up to 70,000 Bonus Marriott Bonvoy points
Highlights:
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
•
Flight Delay Insurance
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$120
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Annual Fee
$199
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Business
]
[
Rewards
]
Est. 1st Yr Value: $681
Membership Rewards
Welcome Bonus: Up to 70,000 Membership Rewards points
Highlights:
Mobile Device Insurance
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
•
Purchase Security Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$199
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Add. Card Fee
$50
Annual Fee
$119.88
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Cash Back
]
[
Rewards
]
Est. 1st Yr Value: $634
Cash Back
Welcome Bonus: 10% cash back bonus (up to $200)
Highlights:
Travel Medical Insurance
•
Mobile Device Insurance
•
Car Rental Collision/Loss Damage Waiver
•
Extended Warranty Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$119.88
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Annual Fee
$799
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Business
]
[
Premium
]
Est. 1st Yr Value: $626
Membership Rewards
Welcome Bonus: Up to 120,000 Welcome Bonus Membership Rewards points
Highlights:
Airport Lounge Access
•
Travel Medical Insurance
•
Mobile Device Insurance
•
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$799
Foreign Tx Fee
—
Personal Income
—
Household Income
—
Credit Score
—
Showing 10 of 18 cards
RateBuddy
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Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
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We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Premium Service & Rewards
American Express is renowned for exceptional customer service, high-value rewards, and exclusive entertainment access.
Front Of The Line® Access
Amex cardholders get coveted access to "Front Of The Line" presales, securing tickets to major concerts, theatre productions, and dining experiences before they go on sale to the general public. This perk ensures you never miss out on sold-out events. For entertainment lovers, this access alone often justifies carrying an Amex, putting you at the front of the queue for the hottest shows.
Flexible Transfer Partners
Membership Rewards points are arguably the most valuable currency in Canada due to their flexibility. They can be transferred 1:1 to frequent flyer programs like Aeroplan and British Airways Avios, or hotel programs like Marriott Bonvoy. This transferability allows you to hunt for "sweet spot" redemptions across different programs, maximizing the value of every point you earn.
Superior Purchase Protection
Amex offers some of the industry’s leading coverage for retail purchases. Eligible items are often protected against accidental damage or theft for 90 days from the date of purchase. Additionally, the Buyers Assurance Protection plan can double the manufacturer’s warranty up to an additional year. It provides a layer of insurance on your shopping that gives you confidence when buying expensive electronics or appliances.
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Credit Cards is great, but sometimes a different card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.
Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
Find best cards by features:
Filter our database by the specific perks and coverages that matter to you.
ISSUERS
Browse by Bank & Issuer:
Filter our database to see offers from specific Canadian financial institutions.
LOYALTY PROGRAMS
Browse by Reward Program:
Already collect points? Find the card that accelerates your existing balance.
PAYMENT NETWORKS
Browse by Network:
Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
Browse Cards by Tier:
From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top Amex Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Personal income generally refers to your individual annual earnings. Household income typically includes the combined income of you and your spouse or common-law partner. Premium cards often have higher income thresholds (e.g., $60k personal or $100k household) to qualify.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
It might. Cancelling an older card reduces your 'Average Age of Accounts,' which is a factor in your credit score. It also reduces your total available credit, which could increase your utilization ratio. If the card has no annual fee, it is often better to keep it open and use it occasionally to keep the history active.
Credit card networks (Visa/Mastercard) set their own daily exchange rates, which are generally very close to the market rate. However, unless you have a No-FX fee card, the issuer adds a surcharge (usually 2.5%) on top of this rate, which is why the total cost is higher than the spot market rate.
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