Top 9 American Express Network Credit Cards in Canada

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Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Up to 15,000 Membership Rewards® points

First Year Rewards

$1,147.38

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$191.88⁕

$15.99 Paid Monthly

⁕ For Quebec, $191.88/year

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Scotiabank Gold American Express® Card

Our Rating

4.9/5

This card was voted one of the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.

Awards & Recognition

Best Travel Rewards Credit Card

2026

Pros & Cons

Pros

Impressive optimization
1:1 Aeroplan point transfer
Generous welcome bonus
Flexible high value redemptions
Comprehensive coverage
Highly ranked
Instant decision. No credit impact.

Cons

Limited acceptance
Lacks valuable coverage categories

Card Details

Rewards

5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
3x points per $1 spent on eligible streaming subscriptions in Canada
2x points per $1 spent on eligible gas, transit & ride share in Canada
1x point per $1 spent on all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best No-FX Fee

Scotiabank Gold American Express® Card

5.0

Exclusive · From FinlyWealth$150$200 rebate

on Scotiabank's website

Limited offer · ends

Welcome Bonus

Earn up to $950 in welcome offers, first year rewards and savings value, and up to 50,000 bonus Scene+ points.

First Year Rewards

$1,178.68

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$120

Interest Rates

21.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

American Express® Aeroplan®* Reserve Card

Our Rating

5/5

The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits.

Pros & Cons

Pros

No foreign transaction fees
Well-rounded rewards
Shell Fuel Savings
Comprehensive insurance
Flexible redemptions

Cons

Limited acceptance
No lounge access
Annual fee

Card Details

Rewards

Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Rates, fees and other information are effective as of July 2, 2026. Subject to change.

Insurance

Coverage

Travel Medical Insurance (64 & under)
$1M, Up to 25 days
Travel Medical Insurance (65 to 75)
$1M, Up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$1,500/person, $10,000/trip
Lost or Stolen Baggage
$500/person, $1,000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours
Flight Delay
$500/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1,000/occurrence
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year

Benefits

Details

No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
Gas Discount²
Get up to 12¢/L in value on fuel purchases at Shell stations
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership

Eligibility

Credit Score
Good
Annual Income
$12,000 personal or $12,000 household

Our choice for: Best Aeroplan

4.7

Exclusive · From FinlyWealth$150 rebate

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 85,000 Aeroplan points.

Rewards Rate

1.25x - 3x

Points

Annual Fee

See Rates

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

American Express® Aeroplan®* Business Reserve Card

Our Rating

4.7/5

If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but we don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.

Pros & Cons

Pros

Generous rewards rate
Free checked bags
Preferred flight pricing
Unlimited airport lounge access
Extensive coverage
Instant decision. No credit impact.

Cons

Limited acceptance
Limited loyalty rewards
High annual fee
Limited lounge brand access

Card Details

Rewards

3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases
2x Aeroplan^® points per $1 spent on eligible dining & food delivery purchases
1.25x Aeroplan^® points per $1 spent on all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500/person, $3,000/trip
Trip Interruption
$1,500/person, $6,000/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1,000/person after 6 hours
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Status lift
Complimentary upgrade to Avis® President's Club
Status lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan EliteTM* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Business

4.7

on American Express' website

Welcome Bonus

Earn up to 90,000 Aeroplan®* points

Rewards Rate

1.25x - 3x

Points

Annual Fee

See Rates

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Exclusive · From FinlyWealth$150 rebate

Our Rating

4.7/5

The most aggressive Aeroplan earning card you can get for a business: 3x on Air Canada, 2x on hotels and car rentals, and 1.25x on everything else. The $599 annual fee is steep, but the perks are hard to match — unlimited Maple Leaf Lounge access, Priority Pass membership, free checked bags, and an Annual Worldwide Companion Pass that alone can be worth hundreds. If your business spends heavily on Air Canada flights and travel, this card can return serious value. But be honest about your travel volume — at this fee, light travelers will lose money. This is a card you need to actively use to justify.

Pros & Cons

Pros

Premium earning rates
Comprehensive coverage
Unlimited airport lounge access
Priority Pass membership
Annual companion pass
Free first checked bags
NEXUS program rebate
Priority travel perks

Cons

High annual fee
Benefit limitations and conditions
Less valuable for non-travellers

Card Details

Rewards

3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases
2x Aeroplan^® points per $1 spent on eligible hotel and car rental purchases in Canada
1.25x Aeroplan^® points per $1 spent on all other eligible purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
$5M/insured up to 15 days
Trip Cancellation
$1,500/person, $3K/trip
Trip Interruption
$1,500/person, $6K/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1,000/person after 6 hours
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$1000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
$85K MSRP up to 48 consecutive rental days
Purchase Protection
90 days
Extended Warranty
1 years

Benefits

Details

Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Status lift
Complimentary upgrade to Avis® President's Club
Status lift
Get 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases charged to your Card, up to 25,000 SQC
Status lift
Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels.
Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Premium

4.6

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 100,000 Membership Rewards® points

Rewards Rate

1x - 2x

Points

Annual Fee

$799

Interest Rates

21.99% - 30%* / N/A*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

SimplyCash™ Preferred Card from American Express

Our Rating

4.6/5

If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.

Awards & Recognition

Best Lounge Access Credit Card

2026

Pros & Cons

Pros

Most premium perks
Dining and travel credits
Unlimited airport lounge access
Multiple redemption options
Comprehensive coverage
Luxurious metal card
Instant decision. No credit impact.

Cons

High annual fee
Limited acceptance
Benefit limitations

Card Details

Rewards

2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
1x point per $1 spent for all other purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Flight Delay
$1,000
Baggage Delay
$1,000
Hotel Burglary Insurance
$1000
Lost or Stolen Baggage
$1,000
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
Yes
Purchase Protection
120 days
Extended Warranty
1 year

Benefits

Details

Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Travel Credit
$200
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 years
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Status lift
Upgrade to Hilton Honors Gold Status
Status lift
Upgrade to Marriott BonvoyTM Gold Elite status
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Concierge Services
Trip and legal Assistance
American Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Cashback

4.6

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Up to $250 ($200 in first year)

First Year Rewards

$609.19

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$119.88⁕

$9.99 Paid Monthly

⁕ For Quebec, $119/year

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Marriott Bonvoy® American Express®* Card

Our Rating

4.6/5

The Simply Cash Preferred is one of the best cashback credit cards in Canada. The base cashback rate of 2% is great for all purchases, but the 4% on groceries and gas, which are two of the highest expenses for most people is the cherry on top of their great cashback program.

Awards & Recognition

Best Gas Credit Card

2026

Pros & Cons

Pros

High cashback rates
Solid base rate
Comprehensive insurance
Instant decision. No credit impact.

Cons

Annual cashback redemptions
Lower acceptance
Annual fee

Card Details

Rewards

4% cash back on eligible gas station purchases in Canada
4% cash back on eligible grocery purchases in Canada (up to $1,200 cash back annually)
2% cash back on all other eligible purchases

Insurance

Coverage

Travel Medical Insurance (64 & under)
$5M/insured Person
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$100,000
Car Rental Damage & Theft
$85K up to 48 days
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

Details

Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best Hotel

Marriott Bonvoy® American Express®* Card

4.3

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Earn up to 70,000 bonus Marriott Bonvoy® points

First Year Rewards

$810.97

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$120

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

American Express® Green Card

Our Rating

4.3/5

The Marriott Bonvoy American Express Card is a standout for frequent travelers who value luxury and flexibility in their rewards. With access to over 7,000 participating hotels, cardholders can earn generous points on both Marriott Bonvoy bookings and everyday purchases. The card's annual free night award and complimentary Silver Elite status make it even more appealing, offering service upgrades and extra points on eligible stays. For those who frequently stay at Marriott properties and want to maximize their travel perks, this card is a top choice.

Pros & Cons

Pros

High hotel optimization
Annual free night certificate
Automatic Silver Elite status
Generous welcome bonus
Instant decision. No credit impact.

Cons

Low acceptance
Relatively weaker insurance

Card Details

Rewards

5 points per $1 on eligible purchases at participating Marriott Bonvoy hotels
2 points per $1 on all other purchases (i.e. dining, groceries, online shopping, etc.)

Insurance

Coverage

Common Carrier Travel Accident Insurance
$500,000
Lost or Stolen Baggage
$500
Baggage Delay
$500
Flight Delay
$500
Hotel Burglary Insurance
$500
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Damage & Theft
yes

Benefits

Details

Free Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each year
Free Extra Night at Hotels
Enjoy 15 Elite Night Credits each calendar year to use towards attaining the next level of Elite status with your Marriott Bonvoy® American Express®* Card
Status lift
Complimentary Marriott Bonvoy Silver Elite Status
Status lift
Upgrade to Gold Elite status when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
American Express® Experiences

Eligibility

Credit Score
Good
Annual Income
N/A

Our choice for: Best No Fee

2.8

Apply with Confidence — won't impact your credit score

on American Express' website

Welcome Bonus

Up to 10,000 Membership Rewards® points

First Year Rewards

$646

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

Interest Rates

21.99%* / 21.99%*

RECOMMENDED CREDIT SCORE

300

Poor

693⁎

Fair

743⁎

Good

790⁎

Very Good

833⁎

Excellent

⁎Estimates based on TransUnion scoring

Scotiabank Platinum American Express® Card

Our Rating

2.8/5

The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.

Pros & Cons

Pros

No spending limits
Flexible redemption options
VIP perks
Eco-friendly plastic
Instant decision. No credit impact.

Cons

Lower reward rates
Limited travel perks
Limited acceptance

Card Details

Rewards

1x point per $1 spent on all purchases

Insurance

Coverage

Purchase Protection
90 days
Extended Warranty
Up to a year

Benefits

Details

Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
Extra points
2 points on Amex Travel Online purchases

Eligibility

Credit Score
Fair
Annual Income
N/A

Our choice for: Best Affordable Premium Perks

3.8

Exclusive · From FinlyWealth$175$225 rebate

on Scotiabank's website

Limited offer · ends

Welcome Bonus

Earn up to $3,000* in value in the first 14 months, including up to 100,0001 bonus Scene+ points.

First Year Rewards

$1,106

Based on $2,000/mo spending. Calculate your rewards

Annual Fee

$399

Interest Rates

9.99% / 9.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring