Best American Express Cards in Canada

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AMEX NETWORK Fact checked Network cards reviewed Updated August 2026 Acceptance considered Benefits reviewed

Amex cards can be powerful when the benefits fit your spending

American Express cards are known for rewards, service, welcome offers, and premium benefits, but the best choice depends on acceptance, annual fee, travel habits, and redemption style. RateBuddy helps organize those details clearly.

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Compare Top Amex Cards

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Annual fee $399
Purchase APR 9.99%
Cash advance 9.99%
Scotiabank
Best for Travel Rewards Low Interest Premium
Scotiabank Platinum American Express Card
Best for Travel Rewards Low Interest Premium
Rewards program Scene+
Welcome bonus: Earn up to 80,000 bonus Scene+ points in the first 14 months.

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 9.99% Regular purchase rate
Cash advance APR 9.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $99 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income $12,000
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $599
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Business Premium
American Express Aeroplan Business Reserve Card
Best for Travel Rewards Business Premium
Rewards program Aeroplan
Welcome bonus: Up to 90,000 Welcome Bonus Aeroplan points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $199 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $120
Purchase APR 21.99%
Cash advance 22.99%
Scotiabank
Best for Travel Rewards Premium Rewards
Scotiabank Gold American Express Card
Best for Travel Rewards Premium Rewards
Rewards program Scene+
Welcome bonus: Earn up to 45,000 bonus Scene+ points in welcome offers and first-year rewards.

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 22.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $29 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income $12,000
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $599
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Premium Rewards
American Express Aeroplan Reserve Card
Best for Travel Rewards Premium Rewards
Rewards program Aeroplan
Metal card
Welcome bonus: Up to 85,000 Welcome Bonus Aeroplan points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $120
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Rewards
American Express Aeroplan Card
Best for Travel Rewards Rewards
Rewards program Aeroplan
Welcome bonus: Up to 45,000 Welcome Bonus Aeroplan points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $150
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Business Rewards
Marriott Bonvoy Business American Express Card
Best for Travel Rewards Business Rewards
Welcome bonus: Up to 80,000 Bonus Marriott Bonvoy points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $120
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Rewards
Marriott Bonvoy American Express Card
Best for Travel Rewards Rewards
Welcome bonus: Up to 70,000 Bonus Marriott Bonvoy points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $199
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Business Rewards
American Express Business Gold Rewards Card
Best for Business Rewards
Rewards program Membership Rewards
Welcome bonus: Up to 70,000 Membership Rewards points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee $50 Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $119.88
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Cash Back Rewards
SimplyCash Preferred Card from American Express
Best for Cash Back Rewards
Rewards program Cash Back
Welcome bonus: 10% cash back bonus (up to $200)

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Annual fee $799
Purchase APR 21.99%
Cash advance 21.99%
American Express(Canada)
Best for Travel Rewards Business Premium
Business Platinum Card from American Express
Best for Travel Rewards Business Premium
Rewards program Membership Rewards
Welcome bonus: Up to 120,000 Welcome Bonus Membership Rewards points

Card essentials

Rates, fees and requirements

The important numbers, organized so they are easy to scan and compare.

Purchase APR 21.99% Regular purchase rate
Cash advance APR 21.99% Cash transaction rate
Balance transfer APR When available
Foreign transaction fee Foreign-currency purchases
Additional card fee Supplementary cardholder

Before you apply

Eligibility snapshot

Recommended credit score
Minimum personal income
Minimum household income

Approval, rates and credit limits are determined by the card provider.

Showing 10 of 18 cards
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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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Skip the Rental Car Insurance

Check your wallet before you rent. Many World Elite and Visa Infinite cards include Collision Damage Waiver (CDW) insurance, saving you $20/day at the rental counter.

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Cash Back

Earn money on daily spend.

Travel Rewards

Best for frequent flyers.

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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.

Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.

You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.

In Canada, you will often see AIR (Annual Interest Rate) used. It represents the yearly cost of borrowing on the card. Standard cards typically have purchase interest rates around 20.99%, while Low Interest cards can be significantly lower. Cash advances often carry higher interest rates than purchases.

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).

Major networks like Visa, Mastercard, and Amex have 'Zero Liability' policies. This generally means that cardholders are not held responsible for unauthorized transactions if they have taken reasonable care of their card and PIN, and report the loss or theft promptly to the issuer.