Compare American Express Credit Cards

If you’re in the market for a new rewards credit card, business credit card or one of the most prestigious travel rewards credit cards in the country, you’re in the right place. Find and compare the best American Express credit cards in Canada, to see which one will suit your needs.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category

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Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99% $120 $ Get details
30% $250 $180 Get details
30% $699 $26 Get details
30% $499 $351 Get details
19.99% $150 $474 Get details
19.99% $0 $127 Get details
30% $399 $-174 Get details
30% $120 $540 Get details
30% $180 $-35 Get details
19.99% $0 $325 Get details
19.99% $0 $169 Get details
19.99% $0 $405 Get details
19.99% $120 $727 Get details
19.99% $99 $441 Get details
19.99% $65 $357 Get details
30% $150 $532 Get details
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American Express credit cards overview

American Express is the smallest of the three major credit card companies in Canada, in terms of how many credit cards it offers and where they are accepted. The company currently offers four personal credit cards in just its own name – not attached to any outside partners – as well as a few business credit cards, and a number of rewards credit cards with their partners.

The 4 personal credit cards American Express offers are its 2 x SimplyCash Cards, the American Express Gold Rewards Card and the Platinum Card. The SimplyCash Cards are cash back credit cards that offer as much as 5% cash back for the first 6 months, then 1.25-1.5% afterwards. The American Express Gold Rewards Card is one of the most popular American Express credit cards in Canada, as it comes with a welcome bonus of 25,000 Membership Rewards points (which can be redeemed to cover travel expenses) and offers double points on eligible purchases. Finally, the Platinum Card is the most high-end credit card in Canada, as its $699 annual fee gives you 50,000 Membership Rewards points and access to the First Tier of American Express’ Membership Rewards Program.


American Express Membership Rewards points

Depending on whether you go Gold or Platinum, the Membership Rewards points you earn with your American Express credit card can be redeemed for any number of things:

  • The American Express Gold Rewards Card is a travel rewards credit card that knows no boundaries. On top of the 25,000 points bonus, you can earn 1-2 points for every $1 spent at specific retailers. You then have two options to redeem your points: you can either book a trip with your credit card, then call American Express and ask them to redeem your points, or you can transfer your points (1:1 ratio) to a number of frequent flyer and hotel rewards programs.
  • If you’re a Platinum Card holder, you are automatically enrolled in the First Tier of American Express’ Membership Rewards Program. Along with your 50,000 points bonus, you earn 1.25 points for every $1 spent on the card. You can then choose to transfer your points (1:1 ratio) to to a number of frequent flyer and hotel rewards programs, or redeem them directly through American Express. The Platinum Card also gives you access to their other benefits, including: the Canadian Platinum Lounge Benefit, Airport Club Program, complimentary and discounted companion tickets and upgrades, and lodging benefits at a collection of over 700 hotels and resorts around the world.

American Express credit card partnerships

American Express has always been fairly selective about who they team up with. American Express’s current credit card partnerships include:

  • Aeroplan: American Express offers 3 Aeroplan credit cards: the American Express AeroplanPlus Card, American Express AeroplanPlus Gold Card and American Express AeroplanPlus Platinum Card. Each card comes with a welcome bonus of some free Aeroplan miles (more as you move up the tiers) and helps you earn Aeroplan miles with every purchase. The American Express AeroplanPlus Gold Card is one of the most popular American Express credit cards in Canada.
  • AIR MILES: Similarly, American Express also offers 3 AIR MILES credit cards: the American Express AIR MILES Card, American Express AIR MILES Platinum Card and American Express AIR MILES Reserve Card. Each card comes with a welcome bonus of some free AIR MILES (more as you move up the tiers) and helps you earn AIR MILES Rewards Miles.
  • Holt Renfrew: The Holt Renfrew Card from American Express has no annual fee and lets you earn 1.4 Holt Renfrew Rewards Points for virtually every dollar you charge to the card at Holt Renfrew stores. You can also earn 1 Holt Renfrew Rewards Point for every dollar spent anywhere else, and will receive invitations to exclusive Holt Renfrew events.
  • Starwood Preferred Guest (SPG): The Starwood Preferred Guest Credit Card from American Express comes with a welcome bonus of 10,000 free Starpoints (3 free nights). With every purchase you make, you will also earn 1 Starpoint per $1, and can earn extra bonuses depending on how much you spend on the card each year.
  • Scotiabank: Currently, Scotiabank is the only bank in Canada to offer American Express credit cards. One of the most popular American Express credit cards in Canada is the Scotiabank Gold American Express Card, which comes with a welcome bonus of 30,000 Scotia Rewards points and lets you earn 4x the points for every $1 spent at certain retailers. They also offer the Scotiabank American Express Card, which comes with a welcome bonus of 5,000 Scotia Rewards points and lets you earn 2x the points for every $1 spent.

American Express also used to be the only credit card company to have a partnership with Costco, until 2014 when that relationship ended and Costco decided to offer its members a Capital One MasterCard credit card instead.


More on American Express

American Express (also known as Amex) is a multi-national financial services corporation that offers a variety of credit cards, charge cards, travel insurance and traveler’s cheques. While Amex cards are said to account for 24% of the total dollar volume of credit card transactions in the U.S. , The Nilson Report showed that American Express held just 3.8% of the market share of purchase transactions made worldwide in 2013. American Express operates in more than 140 countries.


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