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Top 9 American Express Network Credit Cards in Canada
Published Dec 15, 2025 12:02 PM • 5 min read
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Credit Card ExpertA list of the best American Express network credit cards is bound to be extensive, that’s because this network is home to plenty top credit cards in Canada. Whether you’re a frequent traveller, a budget-conscious spender, a cashback enthusiast, or a business person – there’s an American Express network credit card with your name on it.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
American Express Cobalt® Card: Best Overall
Scotiabank Gold American Express® Card: Best No-FX Fee
American Express® Aeroplan®* Reserve Card: Best Aeroplan
American Express® Aeroplan®* Business Reserve Card: Best Business
American Express Platinum Card®: Best Premium
SimplyCash™ Preferred Card from American Express: Best Cashback
Marriott Bonvoy® American Express®* Card: Best Hotel
American Express® Green Card: Best No Fee
Scotiabank Platinum American Express® Card: Best Affordable Premium Perks
Top American Express Network Credit Cards in Canada
Our choice for: Best Overall
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on American Express' website
Welcome Bonus
Up to 15,000 Membership Rewards® points
Annual Fee
$191.88⁕
$15.99 Paid Monthly
⁕ For Quebec, $191.88/year
Interest Rates
21.99%* / 21.99%*
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.
Pros
- Amex cobalt credit card Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome amex cobalt bonus points of up to 15,000
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Often referred to as the Best Credit Card in Canada
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
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
15 days, up to $5M (if under age 65)
Flight Delay
$500Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000.svg)
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™.svg)
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best No-FX Fee
on Scotiabank's website
Welcome Bonus
Up to 50,000 Scene+ points ($500 value)
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%
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. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
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
Insurance
Coverage
Travel Medical Insurance
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 days
Trip Cancellation
$1500/person, $10000/trip
Trip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personCommon Carrier Travel Accident Insurance
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CADAmerican Express® Experiences
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Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*†With minimum spend in the 1st year. ◊Conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Best Aeroplan
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on American Express' website
Welcome Bonus
Earn up to 85,000 Aeroplan® points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
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 I 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
- Generous rewards rate with up to 3 Aeroplan points per $1 spent on purchases, particularly beneficial for frequent flyers.
- Enjoy free checked bags when flying with Air Canada, reducing travel costs.
- Access to preferred pricing on Aeroplan flight awards, maximizing the value of your points.
- Unlimited access to Maple Leaf lounges when flying with Air Canada, providing a more comfortable travel experience.
- Extensive insurance coverage, including 11 types of insurance, offering peace of mind during your travels.
Cons
- As an American Express card, it may have limited acceptance compared to other credit cards, potentially limiting its use in some places.
- The most valuable rewards are generally tied to Air Canada flights, which may not appeal to travelers who fly with other airlines.
- The card comes with a high annual fee of $599, which may be a consideration for budget-conscious users.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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
$5M/insured up to 15 daysTrip Cancellation
$1.5K/person, $3K/tripTrip Interruption
$1.5K/person, $6K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 6 hoursLost or Stolen Baggage
$1KCommon Carrier Travel Accident Insurance
$500,000Car Rental Damage & Theft
$85K Up to 48 consecutive rental daysHotel Burglary Insurance
$1000Purchase Protection
90 daysExtended Warranty
1 years
Benefits
Details
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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 yearsAmex 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.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.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
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Business
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on American Express' website
Welcome Bonus
Earn up to 90,000 Aeroplan®* points
Annual Fee
$599
Interest Rates
21.99%* / 21.99%*
The American Express Aeroplan Business Reserve Card is the ultimate premium business card for Air Canada loyalists and frequent business travelers. With exceptional earning rates (3x on Air Canada, 2x on hotels/car rentals, 1.25x everywhere else), it delivers outstanding value for businesses invested in the Aeroplan ecosystem. The $599 annual fee is steep but justified by premium benefits including Maple Leaf Lounge access, Priority Pass membership, free checked bags, and the coveted Annual Worldwide Companion Pass. This card is ideal for businesses with significant travel budgets who can maximize Air Canada benefits and status perks.
Pros
- Premium earning rates: 3x Air Canada, 2x hotels/car rentals, 1.25x everything else
- Unlimited Maple Leaf Lounge access in North America with guest privileges
- Priority Pass membership for global lounge access
- Annual Worldwide Companion Pass (after $25,000 spend)
- Free first checked bag for up to 8 people on same reservation
- $100 NEXUS credit every 4 years
- Priority check-in, boarding, and standby benefits with Air Canada
Cons
- Very high $599 annual fee
- Benefits heavily focused on Air Canada ecosystem
- Limited value for businesses that don't travel frequently
- Premium benefits may be underutilized by smaller businesses
- Companion Pass requires significant annual spending ($25,000)
- Most valuable benefits tied to Air Canada flights and status
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
$5M/insured up to 15 daysTrip Cancellation
$1,500/person, $3K/tripTrip Interruption
$1,500/person, $6K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1,000/person after 6 hoursLost or Stolen Baggage
$1,000Hotel Burglary Insurance
$1000Common Carrier Travel Accident Insurance
$500,000Car Rental Damage & Theft
$85K MSRP up to 48 consecutive rental daysPurchase Protection
90 daysExtended 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 guestsNexus Program Rebate
$100 every 4 yearsAmex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and moreExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.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 guestCompanion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your cardFree 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
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Premium
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on American Express' website
Welcome Bonus
Earn up to 100,000 Membership Rewards® points
Annual Fee
$799
Interest Rates
21.99% - 30%* / N/A*
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.
Pros
- Offers more perks than any other credit card in Canada, catering to premium users who value extensive benefits.
- Enjoy $400 in annual travel and dining credits, which can offset some of the card's cost.
- Gain unlimited access to over 1,400 airport lounges worldwide, enhancing your travel experience.
- Multiple options for redeeming points for high value, giving you flexibility in how you use your rewards.
- Includes 11 types of insurance coverage, offering comprehensive protection for cardholders.
- It's a metal card, who doesn't love a metal credit card?
Cons
- As with other American Express cards, it may have lower acceptance in some locations compared to other networks.
- The high annual fee of $799 may be a barrier for some users, especially those who do not fully utilize the card's benefits.
- Some benefits are limited to specific airports and hotels.
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
15 daysTrip Cancellation
$2,500Trip Interruption
$2,500Flight Delay
$1,000Baggage Delay
$1,000Hotel Burglary Insurance
$1000Lost or Stolen Baggage
$1,000Common Carrier Travel Accident Insurance
$500,000Car Rental Damage & Theft
YesPurchase Protection
120 daysExtended 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 applyTravel Credit
$200
Dining Credit
$200 at Select RestaurantsNexus 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 + ResortsStatus lift
Upgrade to Hilton Honors Gold StatusStatus lift
Upgrade to Marriott BonvoyTM Gold Elite statusPriority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily parkConcierge 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
GoodAnnual Income
N/A
**Terms and conditions apply.
This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Cashback
APPLY NOW
on American Express' website
Welcome Bonus
Up to $250 ($200 in first year)
Annual Fee
$119.88⁕
$9.99 Paid Monthly
⁕ For Quebec, $119/year
Interest Rates
21.99%* / 21.99%*
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.
Pros
- Highest cashback rate on groceries and gas in Canada
- Great base cashback rate for all purchases
- 10 different insurance types included
Cons
- Cash back is only paid out to you once a year
- American Express has a lower merchant acceptance compared to Visa or Mastercard
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
$5M/insured PersonFlight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Common Carrier Travel Accident Insurance
$100,000Car Rental Damage & Theft
$85K up to 48 daysMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Hotel
APPLY NOW
on American Express' website
Welcome Bonus
Earn 50,000 Marriott Bonvoy® points
Annual Fee
$120
Interest Rates
21.99%* / 21.99%*
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
- Earns high rewards on Marriott Bonvoy hotel stays, with competitive points on other purchases.
- Includes an annual free night certificate, adding significant value to frequent travelers.
- Automatic Silver Elite status provides enhanced benefits during stays, like late checkout and additional points.
- Generous welcome bonus, offering a substantial boost to your rewards balance early on.
Cons
- As an American Express card, it may not be as widely accepted as other credit cards, limiting its usability in some locations.
- Travel insurance coverage is comprehensive but may not match the levels offered by other premium cards in the market.
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
$500,000Lost or Stolen Baggage
$500Baggage Delay
$500Flight Delay
$500Hotel Burglary Insurance
$500Purchase Protection
90 daysExtended Warranty
1 yearCar Rental Damage & Theft
yes
Benefits
Details
Free Extra Night at Hotels
Enjoy an Annual Free Night Award after your Card anniversary each yearFree 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®* CardStatus lift
Complimentary Marriott Bonvoy Silver Elite StatusStatus 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 cardAmerican Express® Experiences
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best No Fee
APPLY NOW
on American Express' website
Welcome Bonus
Up to 10,000 Membership Rewards® points
Annual Fee
$0
Interest Rates
21.99%* / 21.99%*
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
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Rewards
- 1x point per $1 spent on all purchases
Insurance
Coverage
Purchase Protection
90 daysExtended 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 CanadaExtra points
2 points on Amex Travel Online purchases
Eligibility
Credit Score
FairAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Affordable Premium Perks
on Scotiabank's website
Welcome Bonus
Up to 80,000 Scene+ points ($800 value)
Annual Fee
$399
Interest Rates
9.99% / 9.99%
The Scotiabank Platinum American Express is the perfect choice for those seeking a super premium credit card without steep income requirements. With a high flat rate of rewards on all purchases, extensive insurance coverage, and flexible travel redemption options, it offers full-featured perks that cater to frequent travelers and savvy spenders alike.
Pros
- Low Interest Rate: Offers a competitive interest rate of 9.99%.
- Strong Rewards: Earn 2x Scene+ points on all purchases.
- Airport Lounge Access: Enjoy 10 complimentary lounge visits, including Plaza Premium Lounges, through Priority Pass (membership required).
- Comprehensive Travel Insurance: Includes extensive coverage for travel-related needs.
- Flexible Travel Rewards: Points can be redeemed for travel bookings with any provider.
- No Foreign Transaction Fees: Shop internationally without extra charges.
Cons
- High Annual Fee: The annual fee is steep compared to similar cards offering similar perks.
- Limited Premium Perks: Lacks top-tier travel benefits like free checked baggage and priority boarding.
Rewards
- Earn 2x Scene+ points for every $1 spent on all other eligible 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
Insurance
Coverage
Travel Medical Insurance
$2M, Up to 31 daysTravel Medical Insurance (65+)
$2M, Up to 10 daysTrip Cancellation
$2500/person, $10000/tripLost or Stolen Baggage
$500/person, $1000/tripTrip Interruption
$5000/person, $25000/tripBaggage Delay
$1000 After 4 hoursFlight Delay
$1000/personCommon Carrier Travel Accident Insurance
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1000Purchase Protection
120 daysExtended Warranty
Up to a year
Benefits
Details
No Foreign Transaction Fees
Airport Lounge - Plaza Premium
10 visits, 4 visits for secondary card (combined with the Priority pass)Airport Lounge - Priority Pass
10 visits, 4 visits for secondary card (combined with the Plaza Premium)American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass MembershipStatus lift
Hertz #1 Club Gold MemberExtra points
Extra 4 Scene+ points per Canadian dollar spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank Platinum American Express Card
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
From our Editors: The Full List of Top American Express Network Credit Cards in Canada
Best Overall: American Express Cobalt
Known as one of the best credit cards in Canada, the American Express Cobalt Card is this Network's leading contender. This card collects excellent points per dollar spent on dining, groceries, streaming subscriptions, gas, and transit. This rewards program is supported by strong coverage, including mobile device insurance, hotel burglary insurance, and car rental damage and theft insurance. For benefits, expect a hotel-oriented travel credit and access to Amex's Front of the Line Program. Get the full details in our American Express Cobalt Card Review.
Best No Foreign Transaction Fees: Scotiabank Gold American Express Card
Want to shop internationally without foreign transaction fees? Then you need the Scotiabank Gold American Express Card, one of the best no foreign transaction fee credit cards in Canada. On top of this valuable perk, this card collects tons of Scene+ points on grocery, entertainment, gas, transit, streaming, and travel purchases. The insurance is also admirable, including coverage categories like travel medical insurance for those over 65. In addition to no foreign transaction fees, cardholders receive a discount on a Priority Pass membership, concierge services, and American Express Experiences. While the first year fee is waived, note that this contender also comes with some annual income requirements. For more information, read our Scotiabank Gold American Express Card Review.
Best Aeroplan: American Express Aeroplan Reserve Card
Frequent Air Canada flyers will get the most out of the American Express Aeroplan Reserve Card, one of the best Aeroplan credit cards in Canada. This contender earns solid Aeroplan points per dollar spent on eligible Air Canada and Air Canada Vacations purchases, plus commendable points per dollar spent on dining. The coverage on this card is notable as well, offering protections like trip interruption and trip cancellation insurance. The real pull, however, is probably the perks. Expect benefits like free first checked bags, priority travel advantages, an annual companion voucher, and unlimited Maple Leaf Lounge access. Read more in our American Express Aeroplan Reserve Card Review.
Best Business: American Express Aeroplan Business Reserve Card
For business expenses or work trips, apply for the American Express Aeroplan Business Reserve Card, one of the best business credit cards in Canada. This card earns you Aeroplan points per dollar spent on eligible Air Canada and Air Canada Vacations purchases, plus points per dollar spent on eligible hotel and car rental purchases in Canada. In addition to comprehensive coverage, cardholders receive important perks like free first checked bags, plenty of status lifts, Maple Leaf Lounge access, and an annual companion voucher. Discover more in our American Express Aeroplan Business Reserve Card Review.
Best Premium: Amex Platinum
For the most premium credit card from the Amex network, apply for the American Express Platinum Card, one of the best perks credit cards in Canada. With this card, cardholders can indulge in an annual dining and travel credit, unlimited access to the American Express Global Lounge Collection, complimentary hotel benefits, priority travel perks, and so much more. To account for such luxury, however, this card comes with one of the highest annual fees. You can also expect decent points per dollar spend on dining and travel purchases, plus comprehensive coverage. For more information, check out our American Express Platinum Card Review.
Best Cashback: SimplyCash Preferred Card from American Express
For cashback instead of points, apply for the SimplyCash Preferred Card from American Express, one of the best cashback credit cards in Canada. This card collects excellent cashback rates on eligible gas and grocery purchases in Canada, plus an above average base rate on all other eligible purchases. This notable rewards program accompanies strong coverage and Amex Experiences. Learn more in our SimplyCash Preferred Card from American Express Review.
Best Hotel: Marriott Bonvoy American Express Card
If you consider Marriott hotels to be your home-away-from-home, apply for the Marriott Bonvoy American Express Card. This card earns points per dollar spent on eligible purchases at participating Marriott Bonvoy hotels, plus an above average base rate on everything else. This contender also includes hotel-oriented benefits like free extra nights at participating properties, status lifts to premium Marriott Bonvoy membership tiers, and American Express Experiences. See more in our Marriott Bonvoy American Express Card Review.
Best No Fee: American Express Green Card
For a budget-friendly contender, consider the American Express Green Card, one of the best no-annual-fee credit cards in Canada. This card earns you a flat rate of points per dollar spent on all purchases. Coverage is pretty basic, offering only purchase protection and extended warranty insurance. For benefits, expect American Express Experiences (like the Front of the Line Program) and extra American Express Membership Rewards points on Amex Travel Online purchases. Read more in our American Express Green Card Review.
Best Accessible Premium Perks: Scotiabank Platinum American Express Card
Want premium travel perks for a lower annual fee? Then apply for the Scotiabank Platinum American Express Card, also one of the best lounge credit cards in Canada. This card earns some Scene+ points per dollar spent on all eligible purchases, plus additional points on hotel bookings, car rentals, and experiences booked through Scene+ Travel, Powered by Expedia. Alongside strong insurance, expect tons of perks like no foreign transaction fees, airport lounge access, and concierge services. Compared to other premium perks cards, like the American Express Platinum Card, this contender is much more affordable. Just mind those small annual income requirements! Check out our Scotiabank Platinum American Express Card Review for more details.
How to Select the Best American Express Network Credit Card
Selecting the best American Express network credit card comes down to your spending habits and current financial status.
For the most well-rounded option, consider the American Express Cobalt Card.
International shoppers will appreciate the Scotiabank Gold American Express Card for no foreign transaction fees.
For premium perks, consider the most exclusive option, the American Express Platinum Card, or the more affordable alternative, the Scotiabank Platinum American Express Card.
How to Apply for an American Express Network Credit Card
To apply for any of the American Express network credit cards mentioned above, tap the "Apply Now" button below your top contender. This will redirect you to the issuer's official website. In this case, either American Express or Scotiabank. Once you're there, you'll be able to begin the formal application process. Credit card applications typically ask for personal information (such as your birthdate, address, and email) and financial information (like your income, when applicable).
Frequently Asked Questions
American Express is both a financial institution and a credit card network. As a network, American Express processes payments between merchants and issuers, ensuring secure transactions. These cards can be processed by American Express, but issued by other financial institutions, like Scotiabank. All American Express financial institution credit cards are financed by American Express, meaning American Express acts as the card issuer and money lender.
Read More: Best American Express Issued Credit Cards in Canada
Compared to Visa or Mastercard, Amex networked credit cards are less accepted world-wide, particularly in places within Europe and some small-scale retailers.
A couple of American Express networked credit cards come with annual income requirements, namely those issued by Scotiabank. That said, these requirements are relatively small.
In this case, American Express networked credit cards are extremely well-rounded when it comes to card types. Just ensure that the card you choose complements your spending habits. If the card comes with an annual fee, use all the card's perks and collect as many rewards as possible to offset the yearly cost.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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