Canada · October 2026
American Express Canada credit cards
14 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earns 4% cash back on gas and on groceries in Canada (grocery capped at $1,200 cash back a year) and 2% on everything else with no limit.
Earn: base 2% · groceries 4% · gas 4% · everyday 2%
- Annual fee
- $120 ($9.99/month for non-Quebec residents ($119.88/year); $119/year Quebec; no fee for Additional Cards)
- Est. net value / yr
- $696
- Welcome offer
- Up to $200 bonus cash back (extra 10% on up to $2,000 purchases in first 3 months) plus $50 statement credit with a purchase in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earns 5 Marriott Bonvoy points per $1 at Marriott hotels, 3 on eligible gas, dining and travel, and 2 on everything else.
Earn: base 2 pts · gas 3 pts · dining 3 pts · travel 5 pts · everyday 2 pts
- Annual fee
- $150 ($50 per supplementary card)
- Est. net value / yr
- $671
- Welcome offer
- 70,000 Marriott Bonvoy points after $5,000 in 3 months plus 10,000 points after $1,000 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
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 5 Marriott Bonvoy points per $1 at participating Marriott hotels and 2 points per $1 on everything else, with an annual free night award.
Earn: base 2 pts · travel 5 pts · everyday 2 pts
- Annual fee
- $120 (No fee for Additional Cards)
- Est. net value / yr
- $637
- Welcome offer
- 60,000 Marriott Bonvoy points after $3,000 in 3 months, plus 10,000 after $500 in month 13
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
No-fee cash back card: 2% on gas and on groceries in Canada (grocery capped at $300 cash back a year) and 1.25% on everything else.
Earn: base 1.25% · groceries 2% · gas 2% · everyday 1.25%
- Annual fee
- $0 (No annual fee; no fee for Additional Cards)
- Est. net value / yr
- $456
- Welcome offer
- Up to $100 bonus cash back (extra 5% on up to $2,000 purchases in first 3 months)
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
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 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 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 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 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%
- #14
American Express Essential Credit Card American Express Canada
Low-rate card with no rewards earning, offering a 12.99% interest rate on purchases and funds advances.
- Annual fee
- $25 (No fee for Additional Cards)
- Purchase rate
- 12.99%
- 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.