American Express Credit Cards Canada

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Best cash-back card Amex SimplyCashTM Preferred Card from American Express Apply Now Few credit card benefits are as easy and transparent as cash-back. Amex has the competition to become the best cash-back card in Canada, thanks to Amex SimplyCashTM Preferred Card from American Express. It also gives 1-3% cash back in rewards for purchases over time, with US supermarkets (up to $6,000 spent annually), US gas stations, and selected US department stores among the categories that receive bonus rewards. The best American Express credit card to get cash back on all purchases at a flat rate is the American Express Cash Magnet(r) card. When booking travel, you can use American Express Travel Portal, charge any travel purchases on an Amex Card earning Membership Rewards, then use the points to get a statement credit of full value.

As a Membership Rewards card, you will earn points that you can either redeem for statement credits or transfer to your hotel or airline partner. The earning rate is not quite as high as a personal Platinum card, but you get 1.25 Membership Rewards points per dollar spent.

You earn points for most daily purchases (depending on the card you have), and there is no expiration date or cap on how many points you can earn–use the card to make purchases, big or small, and watch the points accumulate. In addition, you can earn bonus points at US supermarkets and specific trips, and the rewards earn a bump if you use your card often enough.

Plus, during your first year on the card, you can earn 2,500 bonus points every month that you spend at least $500 in the first year as a new cardholder (up to 30,000 points). Plus, new cardholders earn a 10 percent welcome back on all spending (up to $400) during the first four months of ownership. With a solid cash-back category for this card, you will be able to rack up big rewards, including a 6% cash-back industry-leading bonus for the first $6,000 spent at US supermarkets every year, redeemed as a statement credit.

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You can trade in points for various rewards within its well-known membership rewards program, including travel, gift cards, and cash back, redeemed for statement credits. You can also redeem points for prepaid cards that can be used on any purchases, with the fee being about 0.8 cents per point. The card comes with a steep $695 annual fee, but with all of its rewards–including $100 in Global Entry or TSA Precheck credits, up to $200 in hotel credits redeemable as annual statement credits valid on reservations made through American Express Travel to properties in the Fine Hotels & Resorts or Hotel Collection, Uber Cash benefits (subscription required), and up to $100 in Saks Credits (subscription required)–you could almost pay off your full annual fee. So while it is slightly less potent than Blue Cash Preferred, it is balanced out by the card’s lack of an annual fee.

Many benefits are identical between cards, including access to the lounge, a $200-a-year credit toward airline fees, up to $179 in annual Clear Membership Credits, automatic Elite Status, and more (enrollment required). Other added benefits include a $200 incidental yearly airline fee credit on one eligible airline that you have to select annually, up to $200 in annual Uber Cash that you can use on eligible US Uber purchases when you connect the card with an Uber account, and access to participating airport lounges around the world via Priority Pass once you sign up. Other benefits include hundreds of dollars in available dining and travel credits per year and a robust welcome offer for new cardholders. The Platinum Card is American Express’s highest-end credit card, with a $699 annual Platinum Card fee that gets you access to world-class concierge services, unprecedented airport lounge access (including coveted Centurion lounges), $200 travel credit that is renewed annually, and an array of hotel and travel insurance benefits.

Amex Platinum also provides up to $200 per year in Uber credits, up to $200 per year in fees for one airline chosen ahead of time, and up to five points for every $1 spent on airline tickets (up to $500,000 spent annually). However, booking hotels booked using an American Express card is not a “one-size-fits-all” option. It also gives a $300 statement credit as an initial bonus when spending $3,000 within the first six months. The best American Express card offered to foodies who are big spenders is the American Express(r) Gold Card. It puts it ahead of similar cards: its $0 annual fee, 12 months 0% intro APR period for purchases (then variable from 13.99% to 21.99%), and credit limits offering flexibility. The Cash Magnet card has a little bit of a finance draw, aside from its $ 0 annual fee, giving a 0% intro APR period for 15 months on purchases.

This credit card is ideal for families looking to rack up rewards on everyday purchases without coughing up tons of cash to pay an annual fee or worrying about hefty interest rates immediately. For those looking for a little extra redemption flexibility and decent rewards rates for travel purchases, including hotel purchases, without having to stick with a single brand, Capital One VentureOne Rewards Credit Card is one of those cards, which also avoids the annual fee. If high-level travel rewards are your primary attraction beyond the business-related benefits, you might consider the Capital One VentureX Rewards Credit Card as your mid-level option. You may get even higher rewards for returning by booking via Capital One Travel, and your introductory rewards rate, which can consist of business-related purchases, could be slightly more profitable.

While the welcome bonus is not as mammoth as those of higher-tier cards, the 5x frequent flyer points for daily spending are undeniable, especially for a card with a lower annual fee. For example, with a welcome bonus of 70,000 Bonvoy points after spending $3,000 over three months, you could earn points easily on luxury hotel stays. Best Travel Rewards Amex Scotiabank Gold American Express(r) Card Apply Now American Express is usually one of the best credit card processors for travellers. The card that offers the best rewards for global travellers may well be the Scotiabank Gold American Express(r) Card.


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