4.6
/5
American Express
American Express Platinum Card®Points Calculator
Earn up to 100,000 Membership Rewards® points
Our Take
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.
Apply with Confidence — won't impact your credit score
Card Details
Interest Rates
Purchase: 21.99% - 30%*
Cash Advance: N/A*
Annual Fees
Main Card: $799
Additional Cards: $250 per Platinum, $0 per Gold up to 2 ($50 after)
Welcome Bonus
- Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away
- New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
Card Type
Credit
Our Rating
4.6/5
Institution
American Express
Awards
Best Lounge Access Credit Card
2026
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance (64 & under)
Trip Cancellation
Trip Interruption
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Lost or Stolen Baggage
Common Carrier Travel Accident Insurance
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Car Rental Damage & Theft
Purchase Protection
Extended Warranty
Benefits
Details
Airport Lounge - American Express Global Lounge
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Travel Credit
Dining Credit
Nexus Program Rebate
Complimentary Hotel Benefits
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Status lift
Status lift
Priority Travel
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Concierge Services
Trip and legal Assistance
American Express® Experiences
Extra points
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
Legal
*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 29.99% 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.