Illustration, not the actual card design.
Amex · Earns Amex Membership Rewards points
The Platinum Card
Annual fee
$799
Welcome offer
Up to 100,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $10,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$541
+$700 welcome bonus
+$640 yearly credits
−$799 fee
Year 2
$141
+$300 welcome bonus
+$640 yearly credits
−$799 fee
Every year after
−$159
Costs $159 a year until your spending covers it.
Plus 20 benefits with no fixed dollar value, like NEXUS Statement Credit, Fine Hotels + Resorts and Global Lounge Collection. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 25, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. If you have or have had this card, Amex may still approve you, but you won't get the offer.
100,000 points: worth $1,000 at 1¢ a point, or up to $2,200 on travel (2.2¢ a point). How that works
- 1Spend $10,000 in your first 3 months70,000 pts≈ $700 est.Year 1
- 2Make a purchase in months 15 to 1730,000 pts≈ $300 est.Year 2
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Amex Membership Rewards points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & Restaurants | 2 pts per $ | 2¢ |
| Travel | 2 pts per $ | 2¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Statement credits
- Instacart Monthly Credit$20/mo
Two $10 credits a month on separate $10+ Instacart orders in Canada, until Dec 31, 2027
up to $240/yrEnroll first - Annual Dining Credit$200/yr
$200 back once a calendar year on a single $200+ dine-in bill at a restaurant on Amex's Canada list
Enroll first - Annual Travel Credit$200/yr
$200 toward one Amex Travel booking of $200 or more each card year
- NEXUS Statement Credit$100
Up to $100 back on NEXUS application or renewal fees charged to the card
Worth about US$120 per application · CBSA's price, 5-year membership; non-refundable, checked Oct 2026
Every few years
Perks · 6
- Fine Hotels + Resorts
Daily breakfast for two, room upgrade, 4pm checkout and a property perk at FHR hotels booked through Amex Travel
Every booking - Global Lounge Collection
1,550+ lounges: Centurion, Plaza Premium, Priority Pass, Delta Sky Club when flying Delta, Escape and more
Enroll first - Pearson Priority Security Lane
Priority security lanes at Toronto Pearson Terminals 1 and 3 for you and your companions
- Pearson Valet and Parking Perks
Valet fee waived at Terminal 1 and 15% off Express Park and Daily Park at Toronto Pearson
Show all 6Show fewer
- Platinum Concierge and Travel Service
24/7 concierge and Platinum Card Travel Service for reservations, gifts and travel bookings
- The Hotel Collection
Up to US$100 hotel credit, room upgrade and late checkout on 2+ night stays booked through Amex Travel
Every booking
Insurance · 11
- Emergency Medical Insurance
Out-of-province emergency medical, up to $5,000,000, first 15 days of a trip, under 65
- Trip Cancellation Insurance
Up to $2,500 per person and $5,000 per trip if you cancel for a covered reason
- Trip Interruption Insurance
Up to $2,500 per person and $6,000 per trip if a trip is interrupted or delayed
- Flight Delay Insurance
Delays or denied boarding of 4+ hours: meals, hotel and essentials up to $1,000, shared with baggage delay
Show all 11Show fewer
- Baggage Delay Insurance
Checked bag delayed 6+ hours: essentials up to $1,000, shared with flight delay
- Lost or Stolen Baggage Insurance
Bags lost, damaged or stolen in transit, up to $1,000 per trip
- Car Rental Theft and Damage Insurance
Theft or damage of a rental car valued up to $85,000, rentals of 48 days or less
- Hotel Burglary Insurance
Personal items stolen from your hotel room in a break-in, up to $1,000
- Travel Accident Insurance
Accidental death or dismemberment on a plane, train, ship or bus, up to $500,000
- Purchase Protection Plan
Accidental damage or theft of eligible items for 120 days after purchase, up to $1,000 per occurrence
- Buyer's Assurance Protection Plan
Extends the manufacturer's warranty on eligible new items by up to 1 extra year
Status
- Hilton Honors Gold Status
Complimentary Hilton Honors Gold status with no stay requirement
Enroll first - Marriott Bonvoy Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite status with no stay requirement
Enroll first
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Amex. Card and program names belong to their owners.
Details last checked Sep 25, 2026.