FIND YOUR MATCH
Best American Express(Canada) Card
Find the perfect credit card for your financial goals.
CARD
Compare Top American Express Cards in Canada
Comparing results based on your preferences.
Auto-updates
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
ā¢
Travel Medical Insurance
ā¢
Free Checked bag
ā¢
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$599
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Add. Card Fee
$199.00
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
ā¢
Travel Medical Insurance
ā¢
Free Checked bag
ā¢
Car Rental Collision/Loss Damage Waiver
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$599
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
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
ā¢
Car Rental Collision/Loss Damage Waiver
ā¢
Extended Warranty Insurance
ā¢
Purchase Security Insurance
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$120
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Add. Card Fee
$50.00
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
ā¢
Extended Warranty Insurance
ā¢
Purchase Security Insurance
ā¢
Flight Delay Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$150
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Add. Card Fee
$50.00
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
ā¢
Extended Warranty Insurance
ā¢
Purchase Security Insurance
ā¢
Flight Delay Insurance
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$120
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
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
ā¢
Car Rental Collision/Loss Damage Waiver
ā¢
Extended Warranty Insurance
ā¢
Purchase Security Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$199
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Add. Card Fee
$50.00
Annual Fee
$119
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
ā¢
Mobile Device Insurance
ā¢
Car Rental Collision/Loss Damage Waiver
ā¢
Extended Warranty Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$119
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
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
ā¢
Travel Medical Insurance
ā¢
Mobile Device Insurance
ā¢
Car Rental Collision/Loss Damage Waiver
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$799
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Annual Fee
$250
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Premium
]
[
Rewards
]
Est. 1st Yr Value: $611
Membership Rewards
Welcome Bonus: Up to 60,000 Membership Rewards points
Highlights:
Airport Lounge Access
ā¢
Travel Medical Insurance
ā¢
Car Rental Collision/Loss Damage Waiver
ā¢
Trip Cancellation/Interruption Insurance
+5 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$250
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Annual Fee
$191
Purchase
21.99%
Cash Adv.
21.99%
American Express(Canada)
Best For
[
Travel Rewards
]
[
Rewards
]
Est. 1st Yr Value: $534
Membership Rewards
Welcome Bonus: Up to 15,000 Welcome Bonus Membership Rewards points
Highlights:
Travel Medical Insurance
ā¢
Mobile Device Insurance
ā¢
Car Rental Collision/Loss Damage Waiver
ā¢
Extended Warranty Insurance
+6 more
Purchase APR
21.99%
Cash Advance APR
21.99%
Annual Fee
$191
Foreign Tx Fee
2.5%
Personal Income
N/A
Household Income
N/A
Credit Score
Good/Excellent
Showing 10 of 14 cards
Turn Everyday Spending into Extra Cash
Unlike points or miles, cash back is simple, flexible, and easy to understand.
Simple & Tangible Rewards
No complicated point conversions. The money you earn can be used as a statement credit or deposited into your account.
Boosted Categories
Many cards offer accelerated cash back rates (up to 5%) on common spending categories like groceries, gas, and dining.
Great No-Fee Options
You don't need to pay a high annual fee to earn great rewards. Many of the best cash back cards have no annual fee.
Pro Tip: Combine Cards for Maximum Cash Back
Use a card with high bonus rates (e.g., 4% on groceries) for your specific high-spend categories, and a flat-rate card (e.g., 1.5% on everything) for all other purchases. This two-card strategy ensures you're always earning more than 1% back.
Common Questions
Everything you need to know about Cash Back rewards.
It depends on your spending habits. If you spend heavily in specific areas (like groceries and gas), a Bonus-Category Card (earning 3-5%) will yield the highest return. However, if your spending is varied, a Flat-Rate Card (earning 1.5-2% on everything) is simpler and often more profitable.
Absolutely. Welcome bonuses (e.g., "10% back in the first 3 months") are essentially free money. They can double your first-year value. We always recommend factoring the bonus into your decision if you plan to make a large purchase soon.
No. In Canada, the CRA considers credit card rewards to be a "discount" or "rebate" on goods purchased, rather than income. Therefore, you do not need to report personal credit card rewards on your taxes.
Not sure about Cash Back?
Explore other possibilities.
Cash back is great, but sometimes a Travel or Low Interest card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.
Travel Rewards
Best for frequent flyers.
Low Interest
Best for carrying a balance.