Canada · October 2026
Best Amex Membership Rewards (Canada) credit cards in Canada
Cards that earn Amex Membership Rewards (Canada), ranked by estimated net annual value (points valued at 1.15¢ CAD each). All amounts are in Canadian dollars.
6 amex membership rewards (canada) cards ranked
Earns 2 Membership Rewards points per $1 on travel and on eligible gas, grocery and drugstore purchases in Canada, and 1 point on everything else.
Earn: base 1 pts · groceries 2 pts · gas 2 pts · travel 2 pts · everyday 2 pts
- Annual fee
- $250 (1 free Additional Gold Rewards Card, $50 for each further)
- Est. net value / yr
- $399
- Welcome offer
- Earn up to 60,000 Membership Rewards points: 5,000 points for each monthly billing period with $1,000 spend in first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earns 5 Membership Rewards points per $1 on eats and drinks in Canada, 3 on streaming, 2 on gas, transit and rideshare, and 1 on everything else.
Earn: base 1 pts · gas 2 pts · dining 5 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $192 ($15.99/month for non-Quebec residents ($191.88/year); no fee for Additional Cards)
- Est. net value / yr
- $388
- Welcome offer
- Earn up to 15,000 Membership Rewards points: 1,250 points per monthly billing period with $750 spend in first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 1 Membership Rewards point per $1 on everyday purchases, plus 1 extra point on Amex Travel Online hotel and car bookings.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $0 (No annual fee; no fee for Additional Cards)
- Est. net value / yr
- $345
- Welcome offer
- 10,000 Membership Rewards points after $1,000 in the first 3 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earns 1 Membership Rewards point per $1 plus a 10,000-point bonus each quarter in which $20,000 is charged.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $199 (Charge card; Employee Cards $50 each)
- Est. net value / yr
- $146
- Welcome offer
- Elevated offer: 60,000 points after $7,500 in 3 months plus 30,000 points after $30,000 in first year (up to 90,000)
- Foreign transaction fee
- Not stated
Charge card earning 1.25 Membership Rewards points per $1 on all purchases, with premium travel benefits and no pre-set spending limit.
Earn: base 1.25 pts · everyday 1.25 pts
- Annual fee
- $799 (Charge card; Employee Business Platinum Cards $250; Employee Business Gold Cards $0 (up to 99))
- Est. net value / yr
- −$368
- Welcome offer
- 80,000 Membership Rewards points after $15,000 in 3 months plus 40,000 points on a purchase between months 15 and 17
- Purchase rate
- 21.99% (Flexible Payment Option balance; 30% delinquent)
- Foreign transaction fee
- 2.5%
Premium charge card earning 2 Membership Rewards points per $1 on dining and food delivery in Canada and on travel, 1 point on everything else. Includes lounge access, annual travel and dining credits and hotel status.
Earn: base 1 pts · dining 2 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $799 (Charge card with no pre-set spending limit; $250 per Additional Platinum Card; first two Additional Gold Cards $0, $50 each after)
- Est. net value / yr
- −$371
- Welcome offer
- Earn 70,000 Membership Rewards points after spending $10,000 in first 3 months, plus 30,000 points on a purchase between months 15 and 17
- Purchase rate
- 21.99% (Flexible Payment Option balance; 30% on delinquent due-in-full balance)
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best amex membership rewards (canada) credit card in Canada?
By our ranking rule, American Express Gold Rewards Card from American Express Canada currently ranks first at an estimated $399 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
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