Canada · personal card · American Express Canada
The Platinum Card review
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.
Key facts
- Issuer
- American Express Canada
- Network
- Amex
- 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)
- 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%
- Minimum personal income
- Not stated
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
- Insurance
- Out of Province/Country Emergency Medical Insurance (under 65); Trip Cancellation; Trip Interruption; Flight Delay; Baggage Delay; Hotel Burglary; Lost or Stolen Baggage; $500,000 Travel Accident; Car Rental Theft and Damage; Travel Emergency Assistance; Buyer's Assurance; Purchase Protection
- Est. net value / yr
- −$371 ($428 rewards − $799 fee)
- Points value
- Amex Membership Rewards (Canada) at 1.15¢ CAD each
Rewards
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 rates the issuer states: base 1 pts · dining 2 pts · travel 2 pts · everyday 1 pts.
Perks
$200 annual travel credit; $200 annual dining credit; $100 NEXUS credit; Global Lounge Collection; Hotel Collection; Fine Hotels + Resorts; Hilton Gold and Marriott Bonvoy Gold status; up to $240 Instacart credits
How we put this page together
Every figure here was read on American Express Canada’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Charge card (pay in full, Flexible Payment Option available). Includes extra 30,000 points between months 15-17. Additional 1 point on Amex Travel Online hotel/car bookings. Plaza Premium/Priority Pass lounge visits become limited from Jan 1 2027 unless $20,000 spend. Income not stated on page. Offer end date not stated.
Frequently asked questions
What is the annual fee on the The Platinum Card?
$799 (Charge card with no pre-set spending limit; $250 per Additional Platinum Card; first two Additional Gold Cards $0, $50 each after), as read on American Express Canada’s website on October 7, 2026.
Is there a foreign transaction fee on the The Platinum Card?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the The Platinum Card?
The issuer’s page did not state a minimum income when we read it.
More American Express Canada cards
Earns 2 Aeroplan points per $1 on Air Canada, 1.5 on dining and food delivery in Canada and at Hyatt, and 1 on everything else, with a free first checked bag.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $120 (Charge card, no preset limit; fee rises to $150 on Jan 12 2027; $50 per Additional Card)
- Est. net value / yr
- $637
- Welcome offer
- 35,000 Aeroplan points after $7,500 in 6 months plus 10,000 points after $1,000 in month 13
- Foreign transaction fee
- Not stated
Earns 3 Aeroplan points per $1 on Air Canada, 2.5 at Hyatt, 2 on eligible hotels and car rentals in Canada, and 1.25 on everything else.
Earn: base 1.25 pts · travel 3 pts · everyday 1.25 pts
- Annual fee
- $599 (Rises to $799 on Jan 12 2027; $199 per supplementary Business Reserve Card)
- Est. net value / yr
- $338
- Welcome offer
- Elevated offer: 80,000 Aeroplan points after $10,500 in 3 months plus 40,000 points after $3,500 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earns 3 Aeroplan points per $1 on Air Canada, 2 on dining and food delivery in Canada and at Hyatt, and 1.25 on everything else, with Maple Leaf Lounge access and a companion pass.
Earn: base 1.25 pts · dining 2 pts · travel 3 pts · everyday 1.25 pts
- Annual fee
- $599 (Annual fee rises to $799 on Jan 12 2027; $199 per Additional Reserve Card (no-fee companion card available))
- Est. net value / yr
- $396
- Welcome offer
- 60,000 Aeroplan points after $7,500 in 3 months plus 25,000 points after $2,500 in month 13
- 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
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.