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American Express® Credit Cards of September 2023

American Express
Apply for an American Express® credit card. On 29.09.2023 you have access to 25 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 25
Updated
01.12.2022
13:00
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Recommended FinScore™
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650
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Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 22.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.99%
Submit your credit card application online
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Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

30%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.09%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

20.99% - 21.99%
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

19.99% - 21.99%
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MDG
1
Geraldine Little
Geraldine Little
28.08.2023 at 16:06
Removed money from my bank account, to apparently verify my bank account. Then denied my application because I live in a unorganized township that does not have a physical address...
Review
Money Mart
1
Jessica skjeie
Jessica skjeie
06.03.2023 at 06:39
Bad customer service they can never fix your problems...
Review
GoDay
1.6
JUDGEV
JUDGEV
26.05.2022 at 15:46
the application is easy and takes less then 5 mins to fill out. but the funding time is quite long. if looking for instant funding then its not here...
Review
American Express® Credit Cards of September 2023

What is an American Express credit card?

An American Express credit card, or Amex card, is an electronic payment card issued by the global financial services company American Express. The company, operating as American Express Inc. and Amex Bank of Canada, issues and processes prepaid, charge, and credit cards. Amex credit cards have a generous well-known Membership Rewards program with high reward earning rates, exclusive travel benefits, and excellent insurance coverage even for lower fee cards, cash back options, and business and corporate services.

American Express credit card types

  1. AMEX rewards cards: American Express Cobalt® Card is an everyday spending card, with a substantial welcome bonus, up to 5 rewards points to earn, and flexible options to redeem them; the Platinum Card provides premium service, exclusive travel perks like complimentary Priority Pass lounges, access, great reward earning rate and comprehensive insurance, Gold Rewards Card offers a significant number of rewards and travel bonuses and is made with 13g stainless steel metal.
  2. AMEX cash back credit cards: SimplyCash Card from American Express® without annual fee gives 1.25% cashback, SimplyCash Preferred card from American Express with a fee of $99 per year and 2% cashback. All without limit, cash back rewards are higher for the new Cardmembers. Travel and purchase coverage and Amex Experiences perks are included.
  3. AMEX no annual fee cards: American Express® Green Card allows you to earn rewards and get travel perks, Essential card with a low interest rate of 12.99%, travel, and shopping insurance.
  4. AMEX co-branded cards: AIR MILES card, AIR MILES Reserve card, AIR MILES Platinum Card, American Express® Aeroplan® Card, Aeroplan Reserve Card, Marriott Bonvoy® American Express® Card provide bonuses for travelers who choose a specific airline or hotel to use and want to collect Aeroplan points or AIR MILES faster. Cards usually offer bonus Aeroplan points when you sign in. You also may receive special bonuses such as a free checked bag, priority airport services, and Maple Leaf lounge access.
  5. AMEX business cards: Business Platinum Card®, Business Edge Card®, American Express® Business Gold Rewards Card, AIR MILES® for Business Card, AIR MILES Gold Business Card, Marriott Bonvoy Business Card, Aeroplan® Business Reserve Card allow to earn up to 6 points per $1, consolidate the points collected by all cards into one account and spent for business needs. The cards provide travel perks and welcome bonuses.
  6. AMEX Corporate cards: Corporate Card, Corporate Platinum Card, Corporate Gold Card, Aeroplan Corporate Reserve Card, Aeroplan Corporate Card, Purchasing and Meeting cards are made for corporate needs and allow corporations to monitor all payments and spending, search accounts, generate reports, etc. through online account management platform. Rewards can be collected by all cards and spent on company-associated expenses.
  7. Scotiabank AMEX Cards®: Scotiabank American Express® Card, Scotiabank Platinum American Express® Card, and Scotiabank Gold American Express® Card have no foreign transaction fees (except Scotiabank AMEX card), no fee or lower fees per year, and are highly competitive rewards. However, there aren't some Amex travel perks, and you should have a certain income amount and meet the requirements to qualify.

American Express credit card features

  1. Amex is not accepted not everywhere in Canada. American Express credit cards are widely accepted at department stores, restaurants, gas stations, online stores, and service providers in Canada: Whole Foods Market, 7-Eleven, Best Buy, Walmart, McDonald’s, Starbucks, Burger King, Esso, Petro-Can, and Shell. Chains such as Loblaws and smaller merchants may not accept Amex cards due to the higher fees Amex charges its retail partners. Amex offers benefits and special services to merchants to make the acceptance wider.
  2. Flexible and generous Membership Rewards program. Amex rewards points could be earned and redeemed for mostly anything: groceries, gas, streaming services, a statement credit, dining, hotels, vacation packages, and, of course, travel. In addition, points may be transferred to other loyalty programs, redeemed for miles, bookings from Amex, other services, and Amex Fix Travel Program. The rewards may be earned by business and corporate cards and combined into one account. Points are managed and redeemed online. Use a sign-up bonus to collect faster.
  3. No minimum income is needed if you get the card with Amex itself. Apply through the Amex website online or by phone. Note: your credit score, credit file, income, employment details, and Social insurance number (SIN) still matter.
  4. AMEX offers a range of credit cards and charge cards. Some Amex cards don't have a pre-set spending limit on purchases: they are approved based on your credit record, account history, and personal resources. However, be aware that the balance must be paid monthly if you use a charge card.
  5. Amex cards issued by Amex Bank of Canada are well-known for their travel perks, bonuses, and special services like Amex Travel Online, Fixed Points Travel Program, The Hotel Collection, The Fine Hotels + Resorts, Amex Experiences, American Express Invites, Front Of The Line Presales with entrance to some of the most in-demand events before they go on sale to the general public, Front Of The Line Reserved tickets which provides availability of great seats reserved only for Cardmembers during the public on-sale period for many significant events, etc.

American Express Membership Rewards program

American Express Membership Rewards Program is flexible: collect, redeem, and transfer your rewards points as you like with a highly competitive earning rate. In addition, you could apply with a substantial bonus if you are a new Amex client.

Collect up to 5 points per $1 on eats & drinks, including restaurants, bars, cafes, grocery stores, and food delivery in Canada. In addition, most cards earn 1 point per $1 on any purchase made from your card and 1 point per $1 charge to your card on eligible hotel or car rental bookings made with Amex Travel Online.

Also, you may earn points for transit and gas, streaming services, travel, and everyday spending for personal and business expenses. With Amex Business and Corporate cards, you may earn up to 1.25 points per dollar spent on any eligible purchase.

A corporate card account lets you accumulate Membership Rewards Program points, manage them through the Amex @Work account management system and redeem them for company-level benefits.

Redeem your rewards for airline flights, Amex Fixed Points Travel Program, booking travel, hotel or car rentals, statement credits, gift cards, Amazon shopping, eligible purchases charged to your card, merchandise from Ray-Ban to Dyson and Samsung, donations to charity partners, transfer to other loyalty programs as Aeroplan, British Airways or Marriott Bonvoy points and redeem them for travel expenses or free nights.

The dollar value of your rewards depends on the specific rewards program you choose and what your points would be redeemed for. On average, 1,000 points equal $10 for all eligible purchases. The minimum transfer amount is 1,000 points.

When you transfer Membership Rewards Program points to Aeroplan, British Airways, or Hilton Honors programs, a ratio is 1:1. The most favorable to transfer collected points is for the Aeroplan program, where you get 2 cents for each point. Other airline partners could offer lower costs as 1 or 0.75 cents: Air France, KLM, Asia Miles, Flying Blue, Delta Skymiles, and Etihad Guest. If you transfer to the Marriott Bonvoy program, you could get an excellent ratio: 5 reward points gives 6 Marriott Bonvoy points.

Points redeemed for a Fixed Points Travel Program worth 1.75 cents each allow cardholders to use a fixed number of points to fly inside a fixed zone. Amex Fixed Points Travel Program lets you choose a flight category – such as Canada/U.S., Europe, or Worldwide – and redeem a fixed number of rewards, which covers up to a maximum base ticket. From 15,000 points for popular routes such as Calgary – Vancouver or Toronto – Ottawa with a $300 maximum base ticket price and 20,000 points for Canada — U.S. flights to 100,000 points used to travel worldwide from Canada to Africa, Asia, Australia, the Middle East, New Zealand, South America or South Pacific with $1,700 maximum base ticket price.

To redeem rewards points for a Fixed Points Travel Program, log in to your account, search for a needed flight and redeem the fixed points towards the base ticket price, which is the flight cost excluding taxes, fees, and carrier surcharges.

The Flexible Points Travel Program lets you use your points for any travel expenses like flights, hotels, or car rentals, including taxes, fees, and surcharges charged to your card through American Express Travel Services or American Express Travel Online at a rate of 1,000 Points for $10 statement credits. You can make a payment using your Amex card, points, or a combination of both.

You may redeem points towards purchases from any category made to the card; each point is worth 1 cent.

Membership Rewards points will be earned by the Basic Card member on the amount of purchases, fewer credits, and adjustments. Interest charges, annual fees, other fees, and cash equivalent transactions are not purchases and do not qualify for rewards points.

You may also refer a friend or a family member and earn a referral bonus: rewards, cash back, and miles. To refer a friend, share your referral link, wait before your friend is approved, and get your bonus.

Best American Express credit cards in Canada

  1. American Express Cobalt® Card is one of the featured cards and the best Amex card for everyday purchases and flexible rewards collection. Earn 5 points for a dollar for dining and food, 3 points for streaming services, 2 points for gas and travel, and 1 point for everything else. Redeem for mostly anything, including other loyalty programs. Get welcome and refer a friend bonuses. In addition, the card offers mobile device insurance, excellent travel insurance coverage, and special Amex travel perks such as travel credit or Amex Experiences and Front Of The Line. All for a monthly fee of $12.99.
  2. Business Platinum Card® from American Express is an excellent card for a business owner who wants to get rewards, control spending, and get premium travel benefits. The fee is $499. You could earn up to 80,000 welcome bonus points when you spend $6,000 within the first three months of card membership. Manage your business expenses, payments, and rewards collection through your Online Services account or the mobile application. Accumulate rewards to get premium business travel benefits such as elite hotel status, full insurance coverage, and free lounge access. Also, you may refer a business owner friend and get an annual bonus of 225,000 rewards points.
  3. The Platinum Card® from American Express is definitely from the range of featured cards and the highly competitive premium card with exclusive travel rewards and perks and without minimum income requirements (which is rare for premium cards). The annual fee is high — $699, but could be overweight by $200 annual travel credit, $100 NEXUS Card Statement Credit, free airport lounge access for you and one guest, and Priority Pass membership, discounts, and bonuses. Toronto Pearson International Airport priority airport services, Fine Hotels and Resorts, the Hotel Collection bookings benefits, elite hotel status, and Platinum concierge may be convenient enough to apply and use The Platinum card.
  4. American Express® Green Card is the best no-fee Amex card in Canada. It also allows you to earn rewards, such as 1 point per dollar but has fewer benefits and interest rates over 20%. Participate in Amex Offers and Front of Line, get a welcome bonus of 10,000 rewards points when you charge $1,000 to your card in the first three months and shopping protection without an annual fee.
  5. Scotiabank American Express® Card is a no-fee card with attractive rewards and earning rates. You may earn 2 Scene+ points for every $1 spent daily on eligible grocery stores, restaurants, fast food, drinking, entertainment, gas, and daily transit and select streaming services, and 1 Scene+ points for everything else. Sign up bonus allows you to earn 10,000 Scene+ points. Mobile device insurance is included. The minimum credit limit is $1,000. Other fees may be applied, including a $48 dishonored payment fee.
  6. SimplyCash Preferred Card from American Express® is one of the featured cards and the best cash back card with an annual fee of $99. The welcome bonus gives you a 10% cash back up to $400. The further flat earn rate is 2% without limits. Also, you may use Refer a friend program to get a $100 cash back, up to $1,500 per year. Use exclusive availability of tickets, events, and concerts with Amex Experiences. Great travel insurance is included.
  7. American Express® Aeroplan® Reserve Card is the best card for travelers who tend to fly Air Canada with an annual fee of $599. It allows you to get many Air Canada benefits, making Air Canada purchases with accelerated earn rates: 3 Aeroplan points per dollar spent with Air Canada and Air Canada Vacations, 2 points per dollar on dining and food delivery, and 1.25 points per dollar on everything else. Also, you may get priority airport services, free checked bags, unlimited Maple Leaf lounge access for you and one guest, ability to extend benefits going with an Aeroplan Elite Status. In addition, the card lets the new Cardmember earn up to 85,000 welcome bonus Aeroplan points.
  8. Scotiabank Gold American Express® Card is a card giving an impressive number of travel rewards and bonuses with a lower annual fee of $120. You may earn up to 5 Scene+ points for a dollar on eligible groceries, dining, and entertainment, 3 Scene+ points on eligible gas stations, daily transit, and streaming services, and 1 Scene+ points on everything else. The sign-up bonus gives up to 40,000 Scene+ points, and the annual fee is waived in your first year. In addition, complimentary travel insurance, concierge service, and airport lounges access are available. The special feature is that the card has no foreign transaction fees. The minimum credit limit is $5,000.
  9. Marriott Bonvoy®, an American Express card, is designed for travelers who prefer to gain hotel rewards, Elite hotel status, and luxury rooms rather than miles. When there isn't an extensive choice of participating hotel chains in Canada that have co-branded cards with Amex, the best choice is this Marriott Bonvoy Card for an annual fee of $120. Receive complimentary Silver Elite status, refer a friend bonus, 15 Elite Night Credits, and Annual Free Night Award. In addition, as a new cardholder, you may get an impressive welcome bonus of 50,000 points after you charge $1,500 to your card in the first three months.

How do American Express credit cards work?

You can use your card anywhere American Express cards are accepted.

  1. In-store. Depending on the terminal type, swipe the card or insert it into the slot. Also, you may use contactless payment if your card and terminal allow: touch your card on the reader
  2. Online. For online shopping, enter your card details during checkout, including your card number, expiration date, and 4-digit security code located on the front of your card
  3. Amex Express Checkout. Eligible card members with an Online Services account can purchase through Amex Express Checkout with participating online merchants and in participating merchant apps by entering their americanexpress.com User ID and Password
  4. Mobile. Amex payments can be made using digital wallets like Apple Pay, Samsung Pay, and Android Pay.

Plan It service allows you to make payments in installments with a fixed monthly fee shown upfront. If you participate in the Plan It program, you will be charged a fee instead of interest. In addition, you can make an installment plan if you have new purchases billed to your current statement. Before getting a new card, consider your affordable amount, needs, annual fee, and interest. Don't get more credit than you can handle.

Choose the card which corresponds to your lifestyle and goals, and use it in full: monitor your rewards collection, Amex offers, and benefits you have with your card, including insurance, protection, and bonuses. In addition, you may sign in to an Online Services account or Amex Mobile App to control your transactions, view statements and recent activity, make payments and monitor rewards.

Where to get an American Express credit card in Canada?

You can apply for an Amex card at American Express and Scotiabank websites online, by phone, or at the bank branch. Provide your contact, employment, and income info. Applying online takes you less than 10 minutes to complete, after which you will receive a response in a minute. If your application is approved, your card will be sent via mail.

How to apply for an American Express credit card?

  1. To apply for American Express cards, visit the Amex official website.
  2. Click the «Apply now» button under the wanted card and enter your personal information: name, email address, postal code, date of birth; Social Insurance Number (SIN) is optional but is required for more accurate identification, for example, to obtain your credit bureau report). If you are an existing Amex card member, provide your card number.
  3. Input your contact information: phone number, address, accommodation type.
  4. Fill out your finance info: personal annual income and household income, employment status, employer name, work phone abs, and working industry.

For business American Express cards, provide details such as postal business code and phone number, business address, legal business name, industry, the total number of employees, years in business, your business role, and annual business revenue. Choose your four-digit PIN and if you prefer to receive Online-Only Statements through Online Services. In addition, you may add Amex Account Protector Ultimate — optional credit card balance insurance. Review your application and apply for supplementary cards if needed. Read the Terms and Conditions and Privacy, agree, and submit your application.

You may also apply by phone.

  • Personal Cards: 1-800-567-2639

  • Small Business Cards: 1-877-891-0821

  • Corporate Cards: 1-877-891-0821 and speak to a representative immediately.

Address: Amex Bank of Canada, P.O. Box 3204, Station F, Toronto, ON M1W 3W7

You can't apply online for corporate cards. You may fill out the form below the product at the official website, and a representative will reach you within two business days.

Requirements

To be eligible for American Express personal and business cards, you must:

  • be the age of majority in your province or territory
  • be a Canadian resident with a Canadian credit file
  • not be bankrupt or insolvent or subject to any similar credit actions
  • be ready to input your personal, contact, income, and employment information

There is no minimum income required for an Amex card. However, the estimated credit score in Canada should be fair or good at the minimum score of 660 — 724.

Pros and cons

Pros

  • Issued and processed by a multinational corporation
  • Wide range of credit cards to choice
  • The highest rates Membership Rewards program
  • Redeem Membership Rewards points for everything
  • Rewards points could be transferred
  • Online Services account and Amex Mobile App
  • No annual fee options
  • Business credit cards and corporate credit cards
  • Fill included insurance coverage and optional insurance
  • Travel rewards and bonuses
  • Shopping Coverage
  • No minimum income is required if you apply with Amex
  • Customer service with great reviews
  • Refer a friend program
  • Co-branded cards with different rewards and benefits

Cons

  • Charge higher fees for partner merchants
  • It may not be accepted by some chain stores and small merchants
  • High annual fee
  • High-interest rates
  • Rather high-interest rates without really low-interest rates options

FAQ

Can I get an American Express card in Canada?

Yes, you can. Apply for Amex prepaid, credit, or charge cards online using the Amex site or by phone. You may choose Amex cards issued by Scotiabank. In this case, contact the bank website or branch and select the needed Amex card to apply.

Where is American Express not accepted in Canada?

American Express is accepted by many places in Canada, from gas stations to online retailers. However, you may find that smaller merchants do not accept Amex cards. It could happen because Amex issues and processes cards by itself and charges merchants higher fees than Visa and Mastercard cards.

However, Amex is working on it and encourages small retailers and chain stores to accept Amex credit cards. Eventually, the only significant stores in Canada which do not accept Amex cards are Loblaws group (except for Shoppers) and Costco Warehouses.

How to qualify for an American Express card?

To qualify for an Amex card, you must be a resident of Canada of the age of majority in your province or territory, have a Canadian credit file, and be ready to provide your personal, contact, income, and employment information (Social insurance number is needed for more straightforward identification and credit score verification). There are no specific minimum income requirements when you apply with Amex by phone, at the branch, or through the official website.