The Platinum Card®
The Platinum Card is built for frequent travellers who value premium airport, hotel and concierge benefits as much as points earning. Its strongest appeal comes from lounge access, travel credits and flexible Membership Rewards redemptions rather than everyday earn rates alone.
Welcome bonus
Earn 90,000 points after you spend $10,000 on your Card in your first 3 months as a new Platinum® Cardmember. Earn an additional 40,000 points after you spend a total of $45,000 on your Card in your first 12 months of Cardmembership. Earn 40,000 Membership Rewards® points when you make a purchase between 15 and 17 months of Cardmembership. Offer ends July 28, 2026.
worth approximately $1,000
~$1,000 first-year value
Earn rates
Estimate annual rewards
You'd earn ~24,000 points/year worth approximately $240
See what your Amex Membership Rewards points are worth — worth ~1¢/pt
Key facts
Annual fee
$799
$250 for each Additional Platinum Card.
Purchase APR
21.99%
Cash advance APR
Prime Rate + 21.99%
Foreign transaction fee
2.5%
Income required
No minimum income requirement disclosed
Credit score
725+
Quebec residents — terms may differ
Standard terms apply in Quebec, with a 5% minimum monthly payment on any carried flexible balance.
Rates and fees sourced from American Express Canada's official card page →
Perks & benefits
Ultra-premium offering with a massive welcome bonus of up to 100,000 Membership Rewards points and a $799 annual fee.
Annual structural subsidies including a $200 Travel Credit, $200 Dining Credit, and $100 NEXUS credit.
Access to the American Express Global Lounge Collection (subject to upcoming spend-based unlock criteria of $20,000 annually for unlimited access by 2027).
Complimentary Marriott Bonvoy Gold Elite status and exclusive access to Fine Hotels + Resorts.
Insurance coverage
- Premium travel coverage.
- Comprehensive retail coverage and shopping protection.
Pros & cons
Pros
- Outstanding lounge access and premium travel experience
- Annual travel credit helps offset part of the high fee
- Strong hotel and travel privileges through Amex programs
- Flexible Membership Rewards points with transfer options
Cons
- Very high annual fee compared with most consumer cards
- American Express acceptance is lower than Visa or Mastercard
- Foreign transaction fee details are not clearly shown on page
- Best value depends on making full use of premium perks
Eligibility requirements
- Canadian resident, age of majority.
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