Sparks and BloomPowered by Milesopedia
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.

Best of Month
Annual Fee
$799
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
170,000 points
1st Year Value
$2,560

Pros

  • Welcome bonus of 170,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $2,560

Cons

  • High annual fee ($799)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 90,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,826.

Best of Month
Annual Fee
$599
Rewards rate
1.25x

Aeroplan

Welcome Bonus
90,000 points
1st Year Value
$1,826

Pros

  • Welcome bonus of 90,000 points
  • Estimated 1st-year value of $1,826

Cons

  • High annual fee ($599)
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 120,000 points. You earn 1.25x on groceries and 1.25x at restaurants. Estimated first-year value is $1,715.

Best of Month
Annual Fee
$799
Rewards rate
1.25x

Amex Membership Rewards

Welcome Bonus
120,000 points
1st Year Value
$1,715

Pros

  • Welcome bonus of 120,000 points
  • Estimated 1st-year value of $1,715

Cons

  • High annual fee ($799)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,411.

Best of Month
Annual Fee
$250
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
60,000 points
1st Year Value
$1,411

Pros

  • Welcome bonus of 60,000 points
  • 2x on groceries
  • Estimated 1st-year value of $1,411

Cons

  • High annual fee ($250)
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 1x on groceries and 1x at restaurants. Estimated first-year value is $1,370.

Best of Month
Annual Fee
$199
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
70,000 points
1st Year Value
$1,370

Pros

  • Welcome bonus of 70,000 points
  • Estimated 1st-year value of $1,370

Cons

  • High annual fee ($199)
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,263.

Best of Month
Annual Fee
$192
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
15,000 points
1st Year Value
$1,263

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,263

Cons

  • High annual fee ($191.88)
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 1x on groceries and 1.5x at restaurants. Estimated first-year value is $1,246.

Best of Month
Annual Fee
$120
Rewards rate
1x

Aeroplan

Welcome Bonus
45,000 points
1st Year Value
$1,246

Pros

  • Welcome bonus of 45,000 points
  • Estimated 1st-year value of $1,246

Cons

  • Fewer premium perks
Best for: Travel rewards
5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 points. You earn 2x on groceries and 3x at restaurants. Estimated first-year value is $1,067.

Best of Month
Annual Fee
$150
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
80,000 points
1st Year Value
$1,067

Pros

  • Welcome bonus of 80,000 points
  • 2x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,067

Cons

  • Fewer premium perks
Best for: Travel rewards
4.5Ratesopedia rating

It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $912.

Best of Month
Annual Fee
$120
Rewards rate
2x

Marriott Bonvoy

Welcome Bonus
70,000 points
1st Year Value
$912

Pros

  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $912

Cons

  • Fewer premium perks

Complete Guide

Best American Express Credit Cards in Canada

Compare all Amex cards in Canada. Cobalt, Gold, Platinum, Green, Marriott Bonvoy, and Aeroplan cards reviewed.

American Express Canada Lineup

American Express offers some of Canada’s most rewarding credit cards. The Amex Cobalt consistently ranks as Canada’s #1 credit card for its 5x points on food and drink. The Platinum Card offers ultra-premium perks including lounge access and hotel status.

Membership Rewards

Amex Membership Rewards points are among the most valuable in Canada, transferable to Aeroplan, British Airways, Marriott Bonvoy, Hilton, and other partners. This flexibility makes Amex cards ideal for maximizing travel value.

Options for Everyone

From the no-fee SimplyCash cards to the premium Platinum, Amex has options across every budget. Their Aeroplan and Marriott co-branded cards also offer strong earn rates.

13

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Is the Amex Cobalt the best card in Canada?

It’s widely considered the best overall credit card for earning rewards, with 5x points on food/drink and highly flexible Membership Rewards points.

2Where is American Express accepted in Canada?

Amex acceptance has improved significantly. Most major retailers, restaurants, and online merchants accept Amex, though some smaller businesses still don’t.

3Can I transfer Amex points to Aeroplan?

Yes. Membership Rewards points transfer 1:1 to Aeroplan, making Amex cards excellent for earning Aeroplan miles on everyday spending.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.