Best American Express cards in Canada

• 2% gas (Canada) · 2% groceries to $300 cash back/yr ($15k spend) — restructured from the old flat 1.25%
• 1.25% unlimited on everything else

5% for 3 months on up to $2,000 (up to $100) — no end date stated; former cardmembers excluded

Income

No income requirement — Canadian resident, age of majority

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

None

Rates

21.99% purchases · 21.99% (25.99/29.99% after missed payments) advances

• 1× Membership Rewards on everything (+1 on Amex Travel hotel/car bookings)

10,000 MR pts after $1,000 spend in 3 months — ongoing

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

None — shopping protection only

Rates

21.99% purchases · 21.99% (escalates after missed payments) advances

$9.99/month ($119.88/yr; Quebec $119/yr) — no first-year waiver; $0 supplementary

• 4% gas · 4% groceries to $1,200 cash back/yr ($30k spend)
• 2% unlimited on everything else — the highest uncapped base rate of any cash-back card

10% for 3 months on up to $2,000 (up to $200) + $100 statement credit in month 13 — no end date stated

Income

No income requirement — Canadian resident, age of majority

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED — certificate-verified

Rates

21.99% purchases · 21.99% advances

Charge card — 30% interest on balances not paid in full

• 2× Air Canada & AC Vacations · 1.5× dining and food delivery · 1× else
• Free first checked bag for up to 9 on one Air Canada reservation

Up to 45,000 pts (35k at $7,500/6mo + 10k month-13 spend) — ongoing

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

NONE — certificate-confirmed: zero emergency-medical coverage on this card

Rates

Charge card — pay in full (30% on carried balances) purchases · n/a advances

$15.99/month ($191.88/yr); supplementary $0 (up to 9)

• 5× on eats & drinks — restaurants, stand-alone grocery, food delivery (combined $2,500/month cap)
• 3× streaming · 2× gas/transit/rideshare · 1× else (+1 on Amex Travel Online)

1,250 pts per monthly period with $750 spend — up to 15,000 in year 1; ongoing, former Cobalt members excluded

Income

No income requirement

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — certificate-verified

Rates

21.99% purchases · 21.99% (escalates after missed payments) advances

One supplementary Gold free, $50 thereafter

• 2× travel · 2× gas/grocery/drugstore (Canada) · 1× else
• $100 annual travel credit (Amex Travel, use-it-or-lose-it) + NEXUS credit every 4 yrs

5,000 pts per monthly period with $1,000 spend — up to 60,000 in year 1; ongoing

Income

No income requirement

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — certificate-verified

Rates

21.99% purchases · 21.99% advances

Supplementary Reserve $199

• 3× Air Canada & AC Vacations · 2× dining/food delivery · 1.25× else
• Maple Leaf Lounge + AC Café access (Canada/US) · free first checked bag for up to 9 · annual Companion Pass

Up to 150,000 pts (70k at $7,500/3mo + 40k at $45,000/12mo + 40k months 15–17) — offer ends July 28, 2026

Income

No income requirement

FX fee

2.5% (Amex fee schedule)

Travel medical

15 days if under 65 ($5M) · 65+: EXCLUDED — the Amex pattern holds at $599

Rates

Charge card — pay in full purchases · n/a advances

Additional Platinum $250; first two additional Golds $0

• 2× dining & food delivery · 2× travel · 1× else
• $200 annual travel credit + $200 annual dining credit (enrolment + eligible restaurants)
• Global Lounge Collection incl. Centurion lounges

Up to 130,000 pts: 90,000 with $10,000 in 3 months + 40,000 with $45,000 in 12 months — ongoing

Income

No income requirement — charge card, no preset limit

FX fee

Not published on the card page — confirm in the cardmember agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: EXCLUDED entirely — even at $799/yr

Rates

Charge card — 21.99% on carried Flexible Payment balances purchases · n/a advances