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Heads up, the HRG Online Booking Tool is changing!

February 7, 2022 - Defence Stories

The HRG Shared Travel Services (STS) Portal will be migrating to a new interface on February 20, 2022 at 5:00 pm .

The new AMEX Global Business Travel (GBT) Travel Portal V2.0 will have all the same functionalities as the existing portal. Your username (TIN) and your password will remain the same.

What to expect during the launch of the new interface

• Portal will be unavailable during transition Please note the AMEX GBT Travel Portal V2.0 will be unavailable from Saturday, February 19 , 2022 at 5:00 pm to Sunday, February 20 at 5:00 pm EST . Any urgent travel needs during this period can be directed to Amex GBT via their call center: 1-866-857-3578 (toll free in Canada and the U.S.) or 1-613-822-3873 (collect call from anywhere else in the world).
• Easier access to training materials Once the new interface is launched, you will no longer need to log into the Learning Management System (LMS) to view training materials. Instead, they will be available in the "Training" tab under the heading ''Help Guide".
• No changes to the EMT Please note that the change applies only to the Online Booking Tool, and there are no changes to the existing Expense Management Tool (EMT) .

Should you have any questions before, during, or after this transition, please do not hesitate to contact [email protected] .

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Best American Express Cards in Canada

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

American Express made its name with credit cards that were status symbols as much as payment methods. Since launching its first card in Canada in 1958, the credit card network and issuer has developed a full suite of cards boasting generous rewards, valuable benefits and useful perks.  

NerdWallet analyzed all the American Express cards available in Canada, comparing their benefits, earn rates, rewards and more to find the cards most appropriate for various consumers. Whether you’re seeking out the luxurious perks of a premium charge card or a more basic no-fee credit card, there’s likely an American Express card for you.

The best American Express cards in Canada

• Why you should trust our choices
• Summary of our selections

What to know about American Express cards

Best overall American Express card

American express cobalt® card.

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets.
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3x the points on eligible streaming subscriptions in Canada.
• Earn 2X the points on eligible ride shares, transit & gas in Canada.
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online.
• Earn 1X point for every $1 in Card purchases everywhere else.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events.
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences.
• *Effective August 15, 2023, Cobalt Cardmembers will earn 5x the points on all eligible eats & drinks charged to their Card up to $2,500 monthly, for the same total of $30,000 annually already in place today. Cardmembers will also continue to earn 3x on streaming subscriptions, 2x on eligible transit, gas & travel purchases and 1x on everything else. T&Cs apply. While the annual earn does not change, the new monthly construct intends to curb gaming activity. The change should have little to no impact on the majority of Cardmembers who utilize the Card and Membership Rewards program as it was intended.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Aeroplan rewards

American express® aeroplan® reserve card.

• New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
• Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
• Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13.
• That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits.
• New Offer: Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024.
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
• Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Cash back

Simplycash® preferred card from american express.

• In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months.
• Earn accelerated earn rates on eligible gas and grocery purchases.
• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases.
• Access events and special offers curated for Cardmembers with American Express® Experiences.
• Extensive insurance coverage and 24/7 Customer Service.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Best for: Premium perks

The platinum card® from american express.

• Unlock special experiences with the Platinum Card®.
• Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
• New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
• Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities.
• Enjoy premium benefits at the Toronto Pearson Airport.
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.

Best for: No foreign transaction fees

Scotiabank gold american express® card.

• Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Offer ends July 1, 2024.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
• Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
• Earn 1X Scene+ point for every $1 spent on every other purchase.
• You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Discounted Priority Pass™ membership, which grants you access to over 1200 VIP lounges around the world.
• Score deals on shopping, dining, travel and more with Amex Offers®, and experience special events and discounts with American Express Invites®.
• Access to Amex Front Of The Line® presale and reserved tickets.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best for: Hotels

Marriott bonvoy® american express®* card.

• Travel to new heights with the Marriott Bonvoy® American Express®* Card.
• Earn up to 80,000 Points:
• New Marriott Bonvoy® American Express®* Cardmembers, earn 65,000 Welcome Bonus points after you spend $3,000 on your Card in your first 3 months of Cardmembership.
• Plus, earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points).
• Offer ends May 6, 2024.
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best for: Rewards on daily essentials

American express® business edge™ card.

• Earn up to 67,000 welcome bonus Membership Rewards® points.
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
• Plus, earn 10x the points for every $1 spent on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks within 6 months of Cardmembership, up to a maximum of 10,000.
• You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year.
• That’s $670 in statement credits that can be reinvested in your business.
• Earn points that you can redeem in a variety of ways.
• Earn 3x the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks when your Welcome Offer ends. Caps and other conditions may apply.
• Earn 1x the points on all other purchases charged to the Card.
• Use points to offset business expenses. Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part. Redeem points for statement credits and to book flights, hotels, and car rentals.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
• Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Leverage your cash flow with the option of carrying a balance or paying in full each month.
• Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
• Access coverage that can protect your business purchases when you charge the full price of eligible items to your American Express Business Edge™ Card.
• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.

Best for: Beginners

American express® green card.

• Get the Card that lets you live in the moment while getting ready for the future.
• The American Express® Green Card lets you go for it with every swipe or tap of your Card.
• As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets.
• Earn 1x the points on Card purchases.
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada.

Best for: Airline rewards

American express® aeroplan®* business reserve card.

• Earn up to 90,000 Welcome Bonus Aeroplan®* points.
• Earn 65,000 Aeroplan points after spending $10,500 in purchases on your Card within the first 3 months.
• Plus, earn an additional 25,000 Aeroplan points when you spend $3,500 in purchases in month 13.
• Earn Aeroplan points that you can redeem in a variety of ways.
• Earn 3 points for every $1 spent on eligible purchases made directly with Air Canada and Air Canada Vacations®*, 2 points for every $1 spent on eligible hotels and car rentals.
• Earn 1.25 points for every $1 spent on everything else.
• Control employee expenses plus track and accumulate points on your account with Employee Cards, so you have an opportunity to maximize the points you earn.
• Unlock business travel possibilities to make every work trip one to look forward to.
• Access more than 1,200 Priority Pass™ airport lounges around the globe. That means an oasis of comfort before your flight—regardless of your choice of airline or cabin class.
• Enjoy access to select Air Canada Maple Leaf Lounges™ for you and a guest, and Air Canada Café™; in North America, with a same day ticket on a departing Air Canada or Star Alliance®* flight.
• Enjoy Priority Check-In, Priority Boarding, and Priority Baggage Handling when you fly with Air Canada, together with up to eight companions.
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges).
• Stay focused on getting where you need to go. Receive up to $100 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Aeroplan Business Reserve Card.
• Pay with your American Express Aeroplan Business Reserve Card and present your Aeroplan Membership Card at over 170 Aeroplan partner brands and 120 online retailers via the Aeroplan eStore to earn points twice.
• If you’re departing from Toronto Pearson International Airport, enjoy the benefits of being an American Express Aeroplan Business Reserve Cardmember. Get more from your travel experience with access to Pearson Priority Security Lane, Complimentary Valet Service, 15% discount on parking rates, and 15% discount on Car Care Services.
• Roll over any unallocated Aeroplan Elite™ Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels.
• Enjoy priority access to the standby list and eUpgrades. Get prioritized on the standby waitlist for an Air Canada flight and higher priority when you request an eUpgrade.
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible net purchases charged to your Card.
• Book flight reward tickets for even fewer points with Air Canada. In addition to flights, you can also redeem for hotel stays, car rentals, vacation packages, merchandise and more.
• Unlock two-car-class rental upgrades, expedited service, dedicated phone line, and more with complimentary upgrade to Avis President’s Club.

Best for: Businesses

Business platinum card® from american express.

• Redefine what you’ll experience and discover with Platinum.
• Earn up to 120,000 bonus Membership Rewards® points.
• Earn 80,000 Membership Rewards® points after you charge $15,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 40,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• That’s up to $1,200 in statement credit that can be reinvested in your business.
• Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses.
• Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
• Bolster your business with up to $820 in annual business and travel statement credits.
• Enroll your eligible Card and earn up to $500 in business statement credits on qualifying purchases with Dell and Indeed.
• Enroll and earn up to $120 in eligible Wireless Credits each year.
• Access a $200 Annual Travel Credit each year of your Cardmembership.
• Unlock spending power and payment flexibility with a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
• Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
• Pay for business expenses over time with Flexible Payment Option.
• This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full Charge. This rate is effective from the day the account is opened. The Preferred rate of 20.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.
• Extend payment solutions with Supplementary Cards for your employees.
• Enjoy special benefits for you and your business.
• Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
• Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
• Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
• Enjoy complimentary benefits that offer an average total value of $600 USD* at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts.
• Access a $100 CAD credit for NEXUS every 4 years with your Cardmembership.

Best for: Low interest rates

Scotiabank platinum american express® card.

• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends October 31, 2024.
• Earn 2X Scene+™ points for every $1 CAD you spend on all your eligible purchases.
• Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards.
• You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
• $399 annual fee.
• Redeem points for any flight, any time through Scene+ Travel, a full-service travel agency. Plus, take advantage of a best price guarantee on airfare.
• Get a Hertz #1 Club Gold membership for special privileges and rental car benefits at over 8,500 locations in 147 countries.
• Enjoy culinary events and experiences, entertainment, luxury fashion, tours, and more through American Express benefits, including American Express Invites, Platinum VIP offers and access to 24/7 premium concierge services for restaurant reservations, show tickets, and gift purchases.
• Lounge access at over 600 VIP airport lounges around the world with a complimentary Priority Pass membership, which includes 10 free visits per year.
• 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
• Preferred rates: 9.99% for purchases, 9.99% for cash advances.
• To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best for: Rewards on gas and groceries

Scotiabank red american express® card.

• Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).¹
• Earn 3x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco and more
• Earn 2x Scene+ points¹ for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 2x Scene+ points¹ for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
• Earn 2x Scene+ points¹ for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
• Earn 2x Scene+ points¹ for every $1 you spend on eligible select streaming services
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Mobile Device Insurance coverage
• American Express Invites®
• Rates, fees and other information are effective as of Mar.1, 2023. Subject to change.

Methodology: How we evaluate cards

We selected the best American Express cards in Canada based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Summary of the best American Express cards in Canada

American Express, or Amex, is an international credit card issuer that both partners with financial institutions to provide co-branded credit cards and issues its own cards directly to consumers. This strategy separates it from Visa and Mastercard, which rely exclusively on banks to get their cards into the hands of consumers.

American Express offers a wide range of cards aimed at consumers with different needs and preferences. The issuer has multiple co-branded cards with some of the best loyalty programs in Canada. However, one potential drawback to Amex credit cards is that they aren’t accepted as widely as Mastercard and Visa credit cards . If you plan to shop with an American Express credit card, it may be practical to have an alternate payment method, just in case.

How to compare American Express cards 

If you’re trying to find the Amex credit card that will work best for you, start by narrowing down your options. You can do this by considering the credit card features that are most important for your lifestyle and align with your spending habits.

Annual fees for Amex credit cards range widely: $0 to $799, at the time of writing. When comparing cards, evaluate the benefits of each one to determine if paying the annual fee will be worthwhile . If you’ll get more value from the card than you’ll pay in annual fees, the card may be a practical pick. For example, let’s say you’re an avid traveller and the card you’re considering has a $200 annual fee but offers ten airport lounge passes annually — a value of $500. In this instance, the free airport lounge passes more than offset the cost of the card’s annual fee.

SIGN-UP OFFER

The best Amex cards in Canada typically come with a generous welcome bonus, often worth a few hundred dollars. But don’t expect to receive a welcome bonus just for signing up. New cardholders must typically perform card-related actions to unlock sign-up bonuses, like spending a minimum amount of money in a set amount of time.

TYPE OF REWARDS

American Express credit cards earn a variety of rewards, including:

• American Express Membership Rewards points. Points can be used for travel, statement credits, merchandise and more.
• Aeroplan . Air Canada’s rewards program allows cardholders to redeem points for flights, upgrades, and other travel-related perks with a wide network of airline partners. Points can also be redeemed for accommodations, car rentals, vacation packages, merchandise and more. 
• Air Miles. This rewards program offers Cash Miles, redeemable for cash rewards, and Dream Miles, redeemable for flights, merchandise and more.
• Marriott Bonvoy. Tailored for hotel enthusiasts, this program rewards spending with points that can be used for free nights, room upgrades, and other exclusive hotel experiences within the Marriott hotel network.
• Cash back: Cash back comes in the form of a statement credit.

Amex cards have two types of earn rates: base and accelerated.

• The base earn rate is the amount of points or cash back you earn on purchases made with your card (e.g., 1x for every $1 spent)
• Accelerated earn rates offer extra rewards on spending in specific categories (e.g., 5x for every $1 spent at eligible restaurants and gas stations).

INTEREST RATE

Most Amex credit cards charge interest rates of 20.99% on purchases, though some  have interest rates as low as 12.99%. A lower interest rate may appeal to people who typically carry a balance on their credit card.

ADDITIONAL BENEFITS

When reviewing cards, consider the benefits that are most valuable to you based on your lifestyle.

Amex credit card benefits include:

• Mobile device insurance .
• Airport lounge access .
• Concierge services .
• Travel insurance.
• Free checked bags.
• Purchase protection. 

Are there Amex levels or tiers?

Unlike Visa and Mastercard, American Express has not organized its credit cards into formal tiers. However, the issuer does offer two types of cards: charge cards and credit cards.

• Charge cards have no pre-set credit limit; instead, your limit adjusts based on your credit and payment history. However, you must pay your balance in full monthly, or you’ll be charged a hefty interest rate of 30%.
• Credit cards allow you to borrow funds from the issuer to make purchases up to a fixed credit limit . If you don’t pay off your balance in full, you can carry it over to the next month. But unless it’s a 0% interest card , you’ll pay interest on the balance.

Amex also offers the American Express Centurion Card, an invitation-only “black card” aimed at its top customers. The credit card comes packed with benefits but carries a high annual fee.

Which banks offer American Express cards?

Amex issues many of its cards directly to consumers. Scotiabank also has three additional Amex cards: 

• Scotiabank Gold American Express® Card .
• Scotiabank American Express Card.
• Scotiabank Platinum American Express® Card .

How to get an American Express card

Once you’ve found an American Express credit card you like, you can start the application process. Before you begin, review the card’s applicant criteria to determine whether you’re eligible to apply.

Eligibility requirements

Unlike Visa and Mastercard, Amex doesn’t publicly specify any income requirements for its cards. 

Amex only lists two formal requirements on its credit card pages:

• You must be a Canadian resident.
• You must be at least the age of majority in the province or territory in which you reside. 

Amex also doesn’t list minimum credit score requirements, but generally speaking, the higher your credit store, the more likely you are to be approved for a credit card.

Did You Know?

When you apply for any new credit card , the issuer will do a credit check, which can temporarily have a negative effect on your score.

Steps to apply

For the most part, American Express credit card applications must be completed online. If you’d prefer to apply in person, you’ll need to select from one of American Express’ co-branded credit cards with Scotiabank. 

To apply for an American Express credit card online:

• Visit the American Express website and select the Apply Now button for the card you’re interested in.
• Review the terms and conditions of the card. Select Agree and Begin.
• Enter your personal information, including your full name, email address, date of birth and residential address.
• Tell American Express more about your finances, including your employment status and annual income.
• Choose a four-digit PIN number for your card.
• Review your information and submit your application.  

Approval may take as little as 60 seconds but could take longer if Amex requires additional information to process your application.

How to get the most out of your American Express card

Strategies to maximize the benefits of your Amex card will depend on which card you choose. Generally speaking, you’ll want to take advantage of annual benefits, such as airport lounge access, travel credits, free nights at hotels and anything else of value. Since these perks are associated with a real dollar value, you offset your annual fee every time you use them.

Maximize American Express Membership Rewards points

If your Amex card earns you Membership Rewards points, you’ll want to become familiar with the program.

1,000 Membership Rewards points can be redeemed for $10 in statement credits.

Simply put, this is a value of 1 cent per point. However, if you redeem your points using Amex’s Fixed Points Travel program, you can get a value of up to 2 cents per point on some flights. 

Nerdy Tip: You have to have enough American Express Membership Rewards points to fully cover your booking (including all the travellers in your party) for the Fixed Points Travel option to appear.

You also can redeem your points for gift cards and merchandise.

Understand Amex point transfer partners

One benefit of American Express Membership Rewards is that you can transfer your points to various hotel and airline loyalty programs. 

• 1,000 Membership Rewards points = 1,000 Aeroplan points, British Airways Avios points, or Hilton Honors points.
• 1,000 Membership Rewards points = 750 Air France KLM Flying Blue Miles, Asia Miles, Delta SkyMiles or Etihad Guest Miles.
• 5 Membership Rewards points = 6 Marriott Bonvoy points.

The ability to transfer your points is beneficial, as you might be able to get more value out of them through the other programs.

» MORE: Read our full review of the Marriott Bonvoy® American Express®* Card

Familiarize yourself with popular American Express card benefits

Amex credit cards are popular in Canada because they come packed with benefits. It can be helpful to know the perks you have access to so you can use as many as possible.

The Amex referral program

One of the best perks of being an Amex cardholder is the referral program. If friends or family apply through your referral link and are approved for an Amex card, you get extra rewards points.

Amex Offers

Amex Offers is a unique perk that’s exclusive to American Express cardholders. Throughout the year, you may get offers in your account for various retailers.

To take advantage of Amex offers, register them to your card via your online account or app. If an offer catches your eye, activate it — some of them are only available for a limited time.

Early-access tickets through American Express Front of the Line

With American Express Front of the Line access , cardholders can purchase tickets to entertainment events before they go on sale to the general public. Some Amex credit cards also grant cardholders access to American Express Experiences, a collection of special dining, shopping and wellness events.

If you miss the presale for an event, you may not be out of luck. Some shows offer exclusive seats to American Express cardholders until they sell out.

Amex purchase protection

Purchase protection is included with most Amex cards. When you charge a purchase to your American Express card, it’s insured for up to 90 or 120 days (depending on the card) from theft, damage or loss, up to $1,000 per occurrence. 

A related protection program extends the manufacturer’s basic warranty on purchases by one or two years, depending on your card.

Pre-approved card upgrades

Existing Amex cardholders may be pre-approved for card upgrades. For example, you may be able to trade up from the American Express® Gold Rewards Card to the The Platinum Card® from American Express . If you’d like to upgrade your card but haven’t received a pre-approval offer, you may also be able to request a card upgrade by contacting American Express.

Where is American Express accepted in Canada?

Amex has a reputation for being less widely accepted than Visa and Mastercard, but it continues to onboard more merchants every year. If you’re wondering if American Express is accepted at a particular retailer, you can always check the company’s online merchant map . 

As of writing, popular online retailers that accept Amex include Amazon, Adidas, Best Buy, Dell, Eddie Bauer, Gap, Ikea, Lowes, Pottery Barn, Walmart, Wayfair and more.

Frequently asked questions about American Express cards

Square, a payment processing platform meant to help small business owners, accepts American Express as a form of payment in Canada. If you’re shopping and the merchant uses Square to process payments, you can use your American Express Card.

DIVE EVEN DEEPER

23 Best Credit Cards in Canada for April 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

American Express Front Of The Line and Experiences: What to Know

American Express Front of the Line gives you access to presale tickets and reserved event tickets. It’s just one of several Amex Experiences offered as a cardholder perk.

Aeroplan vs. Air Miles: Differences and Alternatives

Aeroplan is usually an ideal choice for those who want to use points for Air Canada flights, while Air Miles is a better choice for those who want flexible point redemption options.

About the Authors

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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How to Transfer Amex MR Points Between US and Canada

If you’ve gotten involved with US credit cards , chances are that you have an account with both American Express Canada and American Express US .

You might have wondered: is it possible to convert your Canadian American Express Membership Rewards (MR) points into Amex US MR points, and vice versa? The answer is yes, and it can unlock an entire world of new opportunities.

In This Post

American express international transfer, sweet spots for transferring points between us and canada.

American Express doesn’t seem to publish any information about converting points between countries on either their Canadian or US sites.

However, if we turn to other regions – specifically, a set of Membership Rewards Terms & Conditions from Amex UK – we can understand more about the process of transferring MR points between countries.

This process allows cardholders with another American Express card account, which is under the same name but denominated in a different currency, to transfer points from one account to the other.

Previously, American Express has referred to this as an International Transfer, although that name has been removed from the latest update to the terms and conditions.

Note the terminology here: an American Express Global Transfer refers to using an existing Amex card to establish a new Amex relationship in a different country, while an American Express International Transfer refers to transferring Membership Rewards points between accounts domiciled in two different countries. 

What’s the Transfer Ratio?

In the Amex UK terms and conditions, it states that points transfers are subject to a different set of terms and conditions, and the transfer ratios aren’t displayed.

However, using the Amex Live Chat feature, it’s possible to confirm the following transfer ratios:

• When converting Canadian Amex MR points to Amex US MR points , the prevailing exchange rate is applied.
• When converting Amex US MR points to Canadian Amex MR points, a 1:1 ratio is applied.

Importantly, there is also a timeframe restriction: you’re only allowed one International Transfer within a 12-month period.

The Transfer Process

Converting points between Amex Canada and Amex US is best done through the phone. The Amex Live Chat service can also handle these requests, although they don’t always get put through successfully when initiated via chat.

In the past, it was possible to convert points in either direction by calling either Amex Canada or Amex US. However, now you’ll need to call the originating country to initiate your International Transfer. 

You’ll be asked for the card numbers in the origin and destination countries that you’d like points deducted from and deposited into, respectively. You’ll also be asked for how many points you want to transfer, beginning with a minimum transfer of 1,000 points. 

The entire process can take 1–2 weeks to complete, after which you should see the points added to your destination country’s Amex account based on the transfer ratios outlined above.

Now that we know how to transfer your Amex MR points between countries, let’s figure out when it would beneficial to convert your MR points between Canada and the US, in either direction.

Remember that every cardholder is limited to one International Transfer per 12-month period, so you should definitely approach this opportunity with a specific redemption goal in mind.

First of all, let’s take a look the eight airline and hotel partners that are common to both countries’ Amex MR programs:

• Aeroplan : 1:1 ratio in both Canada and the US
• Air France KLM Flying Blue : 1:1 in the US, stronger than 1:0.75 in Canada
• British Airways Executive Club : 1:1 ratio in both Canada and the US
• Cathay Pacific Asia Miles : 1:1 in the US, 1:0.75 in Canada
• Delta SkyMiles : 1:1 in the US, stronger than 1:0.75 in Canada
• Etihad Guest : 1:1 in the US, stronger than 1:0.75 in Canada
• Hilton Honors : 1:2 in the US, stronger than 1:1 in Canada
• Marriott Bonvoy : 1:1.2 in Canada, stronger than 1:1 in the US

Additionally, the following 13 transfer partners are only available via Amex US, but not via Amex Canada:

• Aer Lingus AerClub : 1:1
• Aeromexico Club Premier : 1:1.6
• ANA Mileage Club : 1:1
• Avianca LifeMiles : 1:1
• Choice Privileges : 1:1
• Emirates Skywards : 1:1
• Hawaiian Airlines HawaiianMiles : 1:1
• Iberia Plus : 1:1
• JetBlue TrueBlue : 1:0.8
• Qantas Frequent Flyer : 1:1
• Qatar Airways Privilege Club : 1:1
• Singapore Airlines KrisFlyer : 1:1
• Virgin Atlantic Flying Club : 1:1

There are no transfer partners that are only available via Amex Canada, but not via Amex US.

Knowing this, we can then examine the specific reasons why you might find it worthwhile to convert points in either direction across the 49th parallel.

Converting Amex MR Points from US to Canada

Canadian points collectors who have gotten US credit cards will likely find themselves with a stash of Amex US MR points at some juncture. You have the ability of converting these Amex US MR points into Canadian MR points at a 1:1 ratio – but should you?

As mentioned earlier, there are no transfer partners that we can access in Canada, but not in the US. Thus, we wouldn’t be unlocking any additional transfer possibilities by initiating a northbound transfer.

Of the eight programs that are common to both countries’ MR points, only Marriott Bonvoy offers a stronger transfer ratio from Canada than from the US — 1:1.2, instead of 1:1. Therefore, if you collected US MR points for the purpose of converting them into Bonvoy points, it’d be best to transfer to the Canadian side first before converting.

However, Marriott Bonvoy is far from the most valuable use for Amex US MR points, given their wide array of additional transfer options. So unless you desperately wanted to earn hotel points instead of airline miles, this option likely wouldn’t be worth pursuing.

Indeed, there’s a lot more potential when we think about transferring points in the opposite direction…

Converting Amex MR Points from Canada to US

If you hold Amex MR points in both countries, why might you want to convert points from Canada to the US?

By far the most compelling reason to do so is that you’d gain access to the 13 new loyalty programs via the Amex US MR program outlined above, which unlocks a whole new world of redemption possibilities.

We could spend a whole day talking about all the new award chart sweet spots that Canadians would unlock through these programs. To pick a few of the most outstanding ones:

• Transferring to Virgin Atlantic Flying Club to book ANA First Class for 85,000 miles one-way
• Transferring to Emirates Skywards to book Emirates First Class to Europe for 102,000 miles one-way
• Transferring to ANA Mileage Club to book an  ANA round-the-world award or sweet spots on round-trip bookings
• Transferring to Singapore Airlines KrisFlyer to book elusive Singapore Airlines business class , First Class , and Suites Class awards

We can run the numbers to factor in the prevailing exchange rate when converting points from Amex Canada.

For example, consider a traveller who wanted to book a round-trip business class flight from Chicago to Tokyo with ANA:

• If booked through ANA Mileage Club, this would cost 75,000 ANA miles round-trip during low season
• If booked through Aeroplan, this would cost 150,000 Aeroplan points round-trip

The CAD/USD exchange rate at the time of writing is about 1 USD = 1.35 CAD. Thus, factoring in the conversion, the round-trip award would cost only 101,250 Canadian Amex MR points – a far better deal than the 150,000 MR points required to book a similar round-trip through Aeroplan.

It’s worth noting that as of April 18, 2024, ANA is increasing award prices, and the same round-trip flights will cost 100,000 ANA miles. However, even once you factor in the exchange rate, you’d still be coming out ahead, especially since you’ll have access to more award seats through ANA Mileage Club than through Aeroplan.

Moreover, Amex US seems to implement conversion bonuses much more frequently than Amex Canada. For example, in September 2022, we saw a transfer bonus bonanza that boosted the conversion ratio to a dozen airline and hotel partners all at once.

If you timed an International Transfer with a transfer bonus bonanza, you’d effectively have the opportunity to convert points at close to par from Amex Canada to all of Amex US’s unique partners.

As you can see, for Canadians, the ability to transfer points to the US takes the already highly versatile Amex MR program to a whole new level.

Instead of only eight airline and hotel partners, you really have an unbelievable 21 partners at your fingertips – with the caveat that you must plan your redemptions with the 13 US-based partner programs very carefully, as a result of the once-in-12-months rule surrounding International Transfers.

The American Express International Transfer can open up a wealth of new opportunities for points collectors on both sides of the border.

Canada-to-US transfers are generally carried out at the prevailing exchange rate, while US-to-Canada transfers are generally carried out at a 1:1 ratio. 

For Canadians, it’s all the more reason to get started with US credit cards , as it allows you to easily supplement your Amex US earnings with a Canadian points transfer and benefit from a vastly expanded pool of airline transfer partners.

• Earn 80,000 MR points upon spending $15,000 in the first three months
• Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
• And, earn 1.25x MR points on all purchases
• Also, receive a $200 annual travel credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for business expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Qualify for the card as a sole proprietor
• Annual fee: $799

14 Comments

DP – Just had a very frustrating call with Amex about the transfer process. Wanted to transfer MR from the US to Canada for my wife. Called the US first who said it should be the receiving country that must initiate the transfer. Called Canada Platinum customer service (apparently the best CS guys) who flat out denied transfer is possible. The fact that I said I have done this in the past did not matter to him. Would not even care to consult his colleague as he was ‘100%’ confident. In the end, he suggested we talk to the US team if they do something like that. We were transferred to the US MR points ‘specialist’ who repeated the same thing. point transfer is not possible and has never existed!

Hung up and called the Canadian number again. This time the rep denied such policy at first but agreed to check and came back with the information that this does exist but we must call the US guys. WTF…We asked him to call internally and stay on the call and explain everything to the US guys. Fortunately, he did and the US person initiated our transfer request. To summarize, the whole process is a bit PITA. I guess the effort is worth it if you have the appropriate point use planned in either country.

A new DP from my own experience. Starting from 2021, US MR points are transferred to Canada at a ratio of 1:1, while the FX rate is applied to the transfer from Canada to US.

Update on my earlier comment. SG is right. I noticed that the 1:1 transfer rate applied to the US: Canada transfer. Called but I was told that’s what the new policy is. …

Strange. I just got them to agree that the transfer rate will apply for my point transfer from the US to Canada. I will report if something goes wrong.

I used to travel from Milwaukee to Toronto every year using either Air Canada or United pre Covid. I expect to earn 75000 US MR points in the next few months after completing minimum spend for the Amex Gold Card (this was before the all time high offer for the Amex Platinum). When travel returns, I will be making yearly trips to Toronto and other parts of Canada, and hope to travel to Nunavut and other parts of the Canadian North. I intend to convert the US MR points to Aeroplan miles and Avios.

Since I have a US and not Canadian address, I would like to know if I can convert US MR points to Canadian MR points, then use the Canadian MR Points to convert to Aeroplan and Avios without a Canadian mailing address. Are there forwarding services that can be used in Canada to do this? I am also afraid that Amex may shut me down and say I was gaming the system

Can additional cardholders transfer points to their account in Canada? E.g. my wife is an additional cardholder on one of my US cards, could she transfer points to one of her Canadian Amex cards.

Hi Ricky, I initiated a transfer from Mrs to MR 2 weeks ago. Got an email today saying the transfer was failed. Call the US MR customer line and was told Canadian MRs cannot be transferred to US MR anymore. Only Canadian MR can be transferred to US MR. Do you have any DP whether this is dead or should I try again later? thank you,

AMEX MR (US) offers some great transfer bonuses, including the currently available 40% bonus for BA Avios (this is offered about once a year). Thus, it doesn’t make sense transfer MR from the US to Canada for BA Avios redemptions.

Sure, but Amex Canada has 30% bonuses every now and then to BA as well. If you’re waiting around for transfer bonuses, you might as well wait from the Canadian side to get a ~70% bonus (accounting for FX) rather than 40%.

This is a very interesting post, thanks Ricky.

Do your American and Canadian cards have to be similar for the transfer or can you transfer Canadian MR points to an American Platinum account?

I’m a US citizen with a US address and SS# living in Canada (legally, LOL) and would love to see if I could do this!!!

MR to Hilton in the States is 1:2 I believe

Thank you Ricky!

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