Highlights
- High annual fee, with a substantial package of benefits
- A $200 CAD Annual Travel Credit in each Cardmembership year
- One $200 CAD Annual Dining Credit in each calendar year
- Access to the American Express Global Lounge Collection
- Up to $100 CAD in NEXUS application or renewal statement credits every four years
Issuer: American Express
Network: Amex
Card type: Charge card
Annual fee: $799 for the Basic Card; $250 per year for each Additional Platinum Card; the first two Additional Gold Cards are free, then $50 per year each
Foreign transaction fee: Not disclosed by the bank in the audited official sources
The card earns American Express Membership Rewards points, which can be valuable when used well.
Related reading
🇨🇦 Canadian Amex Membership Rewards: A Complete Guide
Welcome offer
[Updated August 21, 2026] The latest PerkFox update reports an offer of up to 130,000 Membership Rewards points:
- Earn 90,000 points after $10,000 in purchases during the first three months.
- Earn another 40,000 points after making one purchase between months 15 and 17 of Cardmembership.
Apply through the official website 🔗
Eligibility: You must be a Canadian resident with a Canadian credit file and have reached the age of majority in your province or territory. American Express may apply additional approval criteria.
Past welcome offers
[Updated June 6, 2026] Up to 170,000 points; applications had to be submitted by July 28:
- 90,000 points after $10,000 in purchases during the first three months
- 40,000 points after $45,000 in purchases during the first 12 months
- 40,000 points after one purchase between months 15 and 17 of Cardmembership
[Updated November 15, 2025] 80,000 + 30,000 Amex MR points:
- 80,000 points after $10,000 in purchases during the first three months
- 30,000 points after one purchase between months 15 and 17 of Cardmembership
[Updated June 12, 2025] Record-high 180,000-point welcome offer:
- 100,000 points after $10,000 in purchases during the first three months
- 50,000 points after $50,000 in purchases during the first 12 months
- 30,000 points after one purchase between months 15 and 17 of Cardmembership
[Updated April 1, 2025] A relatively strong 130,000-point welcome offer:
- 90,000 points
- 40,000 points
Everyday earning
2x: Eligible dining and food-delivery purchases in Canada where restaurants, quick-service restaurants, coffee shops, drinking establishments or food delivery are the merchant’s primary business. Grocery purchases are excluded.
2x: Eligible travel services and bookings, including air, water, rail and road transportation, lodging and tour operators. Car rentals qualify, but local and commuter transportation does not.
1x: Other eligible purchases at American Express retail merchants. This rate also applies to purchases made through third-party payment accounts or services, mobile card readers, online retailers selling other merchants’ products, or transactions whose merchant category is not recognized as an accelerated category. Interest, annual fees, other fees and cash-equivalent transactions do not earn points.
Benefits and insurance
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$200 Annual Travel Credit
The Basic Cardmember can use one $200 CAD credit each Cardmembership year toward a single travel booking of at least $200. The booking must be made through American Express Travel Online or Platinum Card Travel Service and charged to the Card. The credit must be used in the same Cardmembership year, cannot be carried forward, and cannot be used again if the booking that triggered it is cancelled.
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$200 Annual Dining Credit
Enrol through Amex Offers, then make a direct purchase of at least $200 including tax and gratuity at an eligible listed restaurant using the Card. The credit is available once per calendar-year redemption period. Restaurants and the eligible list can change; a restaurant charge added to a hotel room may not qualify if it does not appear as a direct restaurant transaction.
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The American Express Global Lounge Collection®
See the airport lounges available to Canadian Platinum Cardmembers
Cardmembers can use participating Canadian and international lounges subject to each lounge’s entry documents, guest rules, annual visit limits, capacity and partner terms. Amex says the network includes more than 1,550 lounges in 140 countries and territories, based on June 2026 information. From 2027, complimentary visits to Plaza Premium and Priority Pass lounges will be limited annually; $20,000 in eligible spending during 2026 can unlock unlimited access for the rest of that year and all of the following year.
Starting January 1, 2027, the Canadian Platinum Card will reduce lounge access, mainly affecting Priority Pass and Plaza Premium Lounges. The blog has a detailed report 🔗
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$100 NEXUS Card Statement Credit
When an application or renewal fee is charged to the Card, you can receive up to $100 CAD in statement credits every four years. Once the cumulative $100 limit is reached during that four-year period, later fees will not generate another credit, even if the original application was rejected.
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Fine Hotels + Resorts
Book and pay through Platinum Card Travel Service, American Express Travel or Fine Hotels + Resorts in the Canadian Platinum Cardmember’s name, and the Cardmember must be travelling. Each room receives one benefit package per stay, and up to three rooms can be booked per stay. Benefits may include noon check-in, a room upgrade when available, daily breakfast for two, guaranteed 4 p.m. checkout and a property credit or other hotel benefit. The exact benefits and value depend on the property.
Find participating hotels through americanexpress.ca/travel or americanexpress.ca/fhr.
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Hilton Gold status
Hilton Gold includes complimentary breakfast at participating properties and can be useful for travellers who regularly stay with Hilton.
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Marriott Gold status
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Benefits at Toronto Pearson International Airport
Get more from your travel experience at Toronto Pearson International Airport with:
- Access to the Pearson Priority Security Lane
- Complimentary valet service at Terminal 1
- A 15% discount on parking rates at Express Park and Daily Park. You receive a statement credit after the charge posts to your account.
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Travel Emergency Assistance
Eligible Cardmembers can access out-of-town worldwide emergency medical assistance services and legal referrals by telephone, 24/7/365.
Travel insurance
Official insurance certificate 🔗
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Out of Province/Country Emergency Medical Insurance
Available to Canadian residents covered by a provincial government health plan who travel outside their home province. Travellers aged 64 or under on departure are covered for the first 15 consecutive days of a trip, up to $5,000,000 CAD per insured person per trip for reasonable and customary emergency medical expenses. Contact Global Excel before emergency treatment when possible. If you do not, you may be responsible for 20% of eligible expenses not recovered from government coverage, up to $25,000. Unstable pre-existing conditions and known plans to seek treatment are subject to exclusions.
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Trip Cancellation Insurance
If a trip is cancelled for a sudden, unforeseeable reason listed in the certificate, non-refundable and non-transferable prepaid travel arrangements, or the lower change fee, can be covered up to $2,500 per insured person and $5,000 for all insured persons combined. Prepaid arrangements must be paid with this Card or Membership Rewards® points; other rewards-program points are excluded. An unstable pre-existing condition in the 90 days before coverage begins and supplier vouchers can reduce or exclude a claim.
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Trip Interruption and Trip Delay Insurance
If any part of a prepaid travel arrangement is charged to this Card or paid with Membership Rewards® points, a listed interruption or delay may cover unused non-refundable and non-transferable arrangements. The limit is $2,500 per insured person and $6,000 for all insured persons combined. Eligible meals and accommodation are covered up to $250 per person per day and $1,000 combined. Other rewards-program points are excluded, and airline, supplier and other recoverable sources must be used first.
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Flight Delay and Denied Boarding Insurance
The full ticket price, including taxes, must be charged to this Card. A missed connection caused by an inbound delay, a confirmed departure delay of at least four hours, or denied boarding because of overbooking can qualify when the airline has not provided alternative transportation within four hours of the scheduled departure. Reasonable living expenses and incidentals during the delay may be covered. This coverage shares a $1,000 per-occurrence limit with baggage delay. Tickets paid with non-Membership Rewards® points are excluded.
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Emergency Baggage Delay Insurance
If outbound checked baggage is still missing more than six hours after arriving at the destination and the full ticket was charged to this Card, reasonable immediate expenses for essential clothing and sundries purchased during the first four days can be covered. This coverage shares a $1,000 per-occurrence limit with flight delay and denied boarding. Baggage delay on the flight home is excluded, as are tickets paid with non-Membership Rewards® points.
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Lost or Stolen Baggage Insurance
When the full ticket price is charged to this Card, baggage and personal effects can be covered if lost or damaged while checked with an eligible airline, or while carry-on baggage is being transported from boarding through disembarkation. The limit is $1,000 per occurrence for all insured persons combined, including $300 for jewellery and $250 for golf clubs and bag. Electronics, cameras, cash, perishables and most sports equipment are excluded. Report the claim promptly and, where possible, provide written notice within 90 days.
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Hotel Burglary Insurance
When the full accommodation cost is booked and paid with this Card and the Cardmember is the registered guest, personal property stolen from the accommodation can be covered up to $1,000 per burglary. Cash, gift cards, documents and fragile artwork are excluded. Theft from a non-accommodation property, a rented property and situations where reasonable care was not taken are also excluded.
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Travel Accident Insurance
The fare for common-carrier transportation must be charged to this Card before the injury. The Basic or Supplementary Cardmember, their spouse and dependent children under 23 can receive up to $500,000 for accidental death or dismemberment. The covered loss must occur within 100 days of the accident, and only the largest applicable loss is paid per person per accident. Holding multiple Amex cards does not increase the per-person maximum.
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Car Rental Theft and Damage Insurance
The Cardmember must charge the entire rental to the same Card, or use Membership Rewards® points with taxes charged to the Card, and decline the rental company’s CDW/LDW. Eligible cars, SUVs and minivans must have an MSRP below $85,000 CAD excluding tax. The rental may not exceed 48 consecutive days. Theft, loss, damage and eligible loss-of-use are covered without a deductible, but third-party liability is not included. Report an accident, theft or damage within 48 hours; many high-value, commercial and specialty vehicles are excluded.
Purchase insurance
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Buyer’s Assurance® Protection Plan
The full price of a new item or gift must be charged to this Card. The original manufacturer’s free written warranty must be valid in Canada or the United States and last no more than five years. Coverage extends the original warranty by the same length, up to one additional year, for defects, failures or direct physical damage covered by the original warranty. The limit is $10,000 per item and $25,000 per Cardmember per policy year. Used or refurbished goods, purchased extended warranties, recalls, negligence and improper installation are excluded. Report within 45 days and provide documents within 60 days of the incident, or within 30 days of a request.
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Purchase Protection® Plan
A new item or gift is covered for direct physical damage or theft for 120 days from purchase when at least part of its price is charged to this Card. The insurer may repair, replace or reimburse the amount charged, up to $1,000 per Cardmember per occurrence, after other insurance. Wear and tear, loss, inherent defects, vehicles, most cash equivalents and commercial goods are excluded. Report theft or damage within 48 hours, provide written notice where possible within 45 days, and submit receipts, statements, repair estimates or police reports within 90 days.
Other updates
[Updated February 28, 2025] Thanks to community member 等天黑 for sharing a targeted promotion: add supplementary cards and receive points.
- Add one Additional Platinum Card and receive 25,000 MR points.
- Add one Additional Gold Card and receive 5,000 MR points.
