American Express Canada credit cards
Membership Rewards (including the popular Cobalt card) and Aeroplan/Marriott co-brands. Added Accor as a partner; Platinum lounge visits will be capped from 2027 without $20,000 annual spend.
Notable American Express Canada cards
- American Express Cobalt Card
- The Platinum Card (Canada)
- American Express Aeroplan Reserve Card
- Marriott Bonvoy American Express
- SimplyCash Preferred
American Express Canada cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
American Express CanadaCobalt 3450 868959 46455 VALID THRU 12/28AVERY PATEL American Express Cobalt CardRenters and foodies who'll transfer points to travel partners |
C$155/yr | 5x on dining and groceries, 3x on streaming, 2x on gas and local trans… | Not applicable | 2.5% on foreign currency p… | Good to excellent credit | |
Scotiabank Gold American Express CardDiners and grocery shoppers who also spend abroad |
C$120/yr | 6x at Sobeys-family grocery stores; 5x on other groceries, dining and… | Not applicable | 0% on foreign currency pur… | Good to excellent credit | |
The Platinum Card from American Express (Canada)Heavy spenders who will reach $20,000 to keep unlimited lounge access |
C$799/yr | Membership Rewards points (see issuer for rates) | None | See issuer | See issuer | — |
Approval rules and tips
American Express Canada does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
American Express Canada FAQs
What credit cards does American Express Canada offer?
American Express Canada's notable cards include American Express Cobalt Card, The Platinum Card (Canada), American Express Aeroplan Reserve Card, Marriott Bonvoy American Express, SimplyCash Preferred. See the cards we review below for fees, rewards and APRs.
Does American Express Canada have special approval rules?
American Express Canada does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a American Express Canada credit card?
Apply on www.americanexpress.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new American Express Canada card?
See our step-by-step guide to activating a American Express card (US) — online, in the app or by phone.