Want a credit card that offers the best of the best?

You've come to the right place.

American Express cards offer the best rewards and perks hands down compared to other cards. There's a wide selection of cards that belong to many different rewards programs, as well as cash back rewards.

To learn more about what Amex cards have to offer, you can find it in the FAQ section below.

The best American Express cards

Best card American Express Cobalt Card
Best airline cardAmerican Express® Gold Rewards Card
Best hotel cardMarriott Bonvoy American Express® Card
Best cash backSimplyCash Preferred Card from American Express
Best perksAmerican Express Platinum Card®
Best no fee cardSimplyCash Card from American Express
Best AIR MILES CardAmerican Express® AIR MILES®* Platinum Credit Card

The best American Express card

Not only is the the best Amex card, it's also the best credit card in Canada as well.

Why? It's all in the rewards. You'll earn plenty of points on all of your major purchases with this card:

  • 5 points per $1 on groceries and restaurant purchases (up to $30,000 annually),
  • 2 points per $1 on gas, travel and transit purchases, and
  • 1 point per $1 on all other purchases.

With an Amex Membership Rewards point worth up to 1.75 cents, you're looking at a return of up to 8.75% on your spending. An astounding return.

To top it off, you can also earn up to 30,000 welcome bonus points, get 9 types of purchase and travel protections, and the $120 annual fee is charged out as $10 per month.

It's not hard to see why it's our top rated card.

The best American Express card for airline miles

For collecting high value airline miles, you can't go wrong with the .

And while it doesn't earn airline miles directly, you can transfer your points to 6 different airline programs, including Aeroplan at a 1:1 ratio. In fact, it's actually our #1 rated Aeroplan card.

What makes it our top ranking Aeroplan card? These can't-be-beat earn rates:

  • 2 points per $1 spent on gas, groceries, drugstores, and eligible travel purchases, and
  • 1 point per $1 on all other purchases.

No other Aeroplan credit card has these kinds of earn rates. To top it off, it also comes with a large welcome bonus of 25,000 points after spending $1,500 in the first 3 months.

And if it turns out Aeroplan (or any of the other airline options) aren't going to suit your free travel taste, you can turn to all the other aspects of the Amex Membership Rewards program to get great value for your points.

The best American Express for free hotel stays

Instead of flights, would you rather get free hotel stays for your rewards? The may be of interest to you.

To start, you'll earn 50,000 Marriott Bonvoy points as a welcome bonus when you spend $1,500 in the first 3 months.

It also comes with great earn rates on your everyday purchases as well:

  • 5 points per $1 at Marriott Bonvoy properties and
  • 2 points per $1 on all other purchases.

But what really makes this card stand out are the Marriott Bonvoy perks.

The best one is the annual free hotel night. Every year on your card's anniversary, get a voucher for a free night stay worth up to 35,000 points. With a Marriott point worth an average of 0.97 cents each, this alone is worth up to $340 – more than enough to cover the annual fee.

It also comes with automatic Silver Elite Status and 15 Elite night credits every year.

It's a great card for staying for free at Marriott hotels.

The best American Express card for cash back

Looking for some cold hard cash for your rewards instead? Amex has you covered with the .

You'll get a high earn rate of 2% cash back on all purchases with no tiers or caps to worry about. In fact, it's the highest flat earn rate of any cash back credit card in Canada.

To make things even sweeter, you'll earn 5% cash back in the first 6 months, up to a maximum of $300 cash back earned.

For the traveller, it comes with 9 types of travel and purchase coverages as well, better than most premium cash back cards.

To top it all off, this card comes with an annual fee of $99, less than most premium cards.

It's the complete package for a cash back card.

Best American Express card for perks

Rewards are great, there's no denying that. But they're also not the only things credit cards offer.

Credit card perks can really make or break your experience, and if you're interested – you'll want to know the .

No other credit card can match the perks this card offers. Here's just a taste:

  • annual $200 travel credit,
  • automatic advanced status in 4 hotel programs, including Marriott Bonvoy,
  • benefits at Toronto Pearson airport, including priority security screening, and
  • unlimited lounge visits to Priority Pass and Amex Centurion Lounges.

Oh and don't worry – you'll be earning valuable Amex Membership Rewards on every purchase as well:

  • 3 points per $1 on restaurants,
  • 2 points per $1 on travel, and
  • 1 point per $1 all other purchases.

It does have an annual fee of $699, but the perks may make it well worth it for you.

Related: American Express Platinum Card Canada Review: A Rare Metal Card With Premium Perks

Best no fee American Express card

Want an Amex card, but one that has no annual fee? The may just be the card for you.

You'll earn 1.25% cash back on all of your purchases – no confusing categories or tiers to play with. Plus, for the first 3 months, you'll also enjoy 2.5% cash back.

And even though it has no annual fee, it still provides all the usual Amex benefits like Front of The Line and Amex Offers.

Best AIR MILES American Express card

Looking to collect miles in the largest loyalty program in Canada – AIR MILES? The is one of our favourite AIR MILES cards on the market.

For a limited time (until January 20, 2020), you can earn a welcome bonus of up to 3,500 miles. And if you're an AIR MILES collector, you already know how valuable these miles are.

Plus it has the best earn rates of any AIR MILES card in Canada:

  • 1 mile per $5 spent on gas, groceries, restaurants, and transit purchases (up to $30,000 annually), and
  • 1 mile per $10 spent everywhere else.

No other AIR MILES card offers an earn rate as high as 1 mile per $5 spent on essentials – it just can't be beat right now.

To top it all off, once per year you'll get a 25% miles rebate on your first flight booked with AIR MILES, up to a maximum of 750 miles back.

Top American Express Credit Cards

American Express frequently asked questions

Here are some frequently asked questions about Amex cards.

Should I be concerned about Amex acceptance?

One of the top complaints about Amex cards is their acceptance at merchants. It's a simple fact that they're not accepted nearly as much as Visa or Mastercards.

And while it's true that Amex cards aren't accepted as much, it's still pretty good. The only large chains you'll find where you won't be able to use your card are Costco (where Visa isn't accepted either) and Loblaws banner stores.

As for small business acceptance, it's growing all the time. You can read more about Amex acceptance here. The best way to get around any acceptance issues is to pair a no fee Visa or Mastercard as well, so you're always covered no matter where you're shopping.

What perks do all Amex cards provide?

All Amex cards provide a couple of key benefits.

The first is Amex Invites and Front Of the Line. You'll get exclusive tickets and pre-sale offers for the hottest tickets from TicketMaster. You can learn more about Front Of the Line here.

The other special perk is Amex Offers, a super simple way to earn bonus cash. You get statement credits when you activate offers and shop at select merchants. See how it works here, and what offers are currently available here.

What are American Express charge cards?

A few Amex cards are not traditional credit cards, but charge cards instead.

And while they function the same as a regular credit card, they have 2 key differences:

  • they have no pre-set credit limit and
  • can't carry a balance.

The last point is key. If you don't pay in full every month, you'll get hit with interest on your full balance every month.

If you pay in full every month anyway, there won't be any difference to you, except not worrying about hitting your credit limit. But if you do tend to carry a balance, stay away from these cards.

You can see if they're a charge or credit card on each card's standalone page, in the card details section.

Why do Amex cards seem to have better rewards?

It generally has to do with interchange fees. Amex charges higher transaction fees than Visa or Mastercard, which is also a reason why their acceptance is a little lower.

They're also both the issuer and operate their own payment network, making things more efficient as well.

How can I apply for an American Express card?

You can use our secure apply links found on this page or throughout our site. Clicking on "Learn More" will bring you to the card's page where you can learn more about the card. If you think all the rewards and perks sound good to you, the next step will be to click the "Apply Now" button.

Clicking on "Apply Now" will bring you to the American Express website itself, where you can securely apply for the card.

How can I login to my Amex account?

To login to your Amex account, head to this page and enter your credentials.

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