American Express Platinum Card®
on American Express Canada's website
Pros & Cons
Pros
- +Welcome Bonus: 170,000 points
- +Airport lounge access
- +Purchase protection included
Cons
- –High annual fee ($799/yr)
- –Foreign Transaction Fee (2.5%)
Our Review
The Platinum Card® is the best premium card in Canada for travellers.
With this welcome offer, you can earn up to 170,000 Membership Rewards® points:
- 90,000 points after you spend $10,000 on your Card in your first 3 months of Membership
- An additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Membership
- 40,000 points by making a purchase between the 15th and 17th month after your Membership
- Offer ends July 28, 2026
With this Card, you get:
- 2 points per $1 on eligible dining and delivery purchases in Canada
- 2 points per dollar on eligible travel purchases charged to the Card
- 1 point per $1 on all other purchases charged to the Card
You can use your Membership Rewards® points in many ways:
- Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
- Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
- Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
- Redeem points for statement credits towards other purchases (1,000 points = $10)
- And more!
For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:
- 100,000 Aeroplan points
- 100,000 Avios
- 100,000 Flying Blue Miles
- 120,000 Marriott Bonvoy points
With this card, you also have advantages for your travels:
- $200 Annual Travel Credit
- An annual meal credit of $200
- A $100 statement credit for NEXUS membership
- Complimentary access for you and one additional guest to over 1,400 airport lounges in more than 130 countries
- Hilton Honors Gold status
- Marriott Bonvoy Gold Elite status
- Access to the Fine Hotels + Resorts program
Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
Offer ends: 2026-07-28
Rewards
All Spending
1x
Amex Membership Rewards pts per dollar
Travel
2x
Restaurants
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
35,400
Amex Membership Rewards/yr
Estimated Value
$602
After Fees
$-197
1st Year Value
$-197
incl. welcome bonus
Annual rewards breakdown
- Earn 170,000 Amex Membership Rewards after $45,000 in purchases in 12 months, spend $1,250/mo more
- $400 annual credit (year 2)
Travel Insurance
Travel Medical
Up to $5,000,000 / 15 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $2,500
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $1,000
Hotel Burglary
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $85,000 / 48 days
Perks & Benefits
Airport Lounge
Unlimited
Concierge Service
24/7
Travel Credits
Included
Annual Statement Credit
$400/year
Terms & Conditions
Card Features
Access special experiences with The Platinum Card®. Take advantage of Amex’s best offer of the year for The Platinum Card®. New Platinum Card® Members can earn up to 170,000 Membership Rewards® points, worth up to $1,700 for a weekend getaway.
- Earn 90,000 points after you spend $10,000 on your Card in your first 3 months of Membership
- Plus earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Membership
- You can also earn 40,000 points when you make a purchase between 15 and 17 months of Cardmembership
- Offer ends July 28, 2026
Card features
- Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
- Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
- Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
- Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
- 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
- Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
- Transfer points 1:1 to several frequent flyer and other loyalty programs
- Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
- Platinum Cardmembers can enjoy access to special events and unique opportunities
- Enjoy premium benefits at the Toronto Pearson Airport
- You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
- Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
Apply with confidence!
- See if you’ll be approved before you apply – with no impact to your credit score.*
- When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
- Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
- A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
- Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*
*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Legal
*Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express Canada. All trademarks are property of their respective owners.