Canadian personal finance, compared properly.

Mortgages, banking, credit cards, loans, insurance and taxes. Independent comparisons, refreshed daily, with the source behind every figure.

Mortgages, banking, cards and insurance, compared daily.

Corinne Claveau, CPAAudrey VoisineJean-Maximilien VoisineEvery recommendation is reviewed by our experts.Built by the team behind Milesopedia, comparing Canadian financial products since 2015.

Sponsored offers

Sponsored
Annual fee
$150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$300Total$300$50 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$300
Welcome offer+ a Free Night RewardEarn 60,000 Hilton Honors™ Points and a Free Night Reward after spending $3,000 in the first 3 months. Plus, earn 10,000 Points after spending $500 in month 13.
Up to 70,000 points
+ a Free Night Reward
Ends Jan 11, 2027
Apply Now

on American Express's website

Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Hilton Honors American Express® Card helps turn your everyday spending into Hilton stays. With a $150 annual fee, it brings together complimentary Hilton Honors Gold status, a welcome offer that includes a free night reward, and an annual points bonus that rewards your spending.

Gold status includes complimentary continental breakfast at participating properties outside the United States when you select it as your MyWay benefit. That means savings each morning of your stay. Depending on the brand and region, including in the United States, a daily food and beverage credit replaces complimentary breakfast.

Start planning your next getaway with 60,000 Hilton Honors points and a free night reward after spending $3,000 in your first 3 months. Earn another 10,000 points after spending $500 in your 13th month, for a total of up to 70,000 points and a free night reward. This offer ends January 11, 2027.

The benefits continue beyond the welcome offer. Spend $12,000 in a calendar year and earn 50,000 bonus Hilton Honors points, on top of the points earned on your purchases. That spending threshold works out to an average of $1,000 a month toward your next hotel stay.

You also earn:

  • 6 points per dollar on eligible purchases at participating Hilton properties, in addition to the points you earn as a Hilton Honors member;
  • 4 points per dollar at eligible gas stations, grocery stores, and restaurants in Canada;
  • 2 points per dollar on other purchases.

Looking for more hotel benefits? You can reach Diamond status after $40,000 in net purchases each year. Supplementary Cards have no annual fee.

The Card also includes coverage against theft and accidental damage for certain purchases for 90 days, plus an extension of the manufacturer’s warranty by up to one year, subject to applicable terms and exclusions.

Annual fee

Primary card$150
Additional card$0

Conversion fees

2.5%

Earning rate

  • 6xHilton hotels
  • 4xGas
  • 4xGroceries
  • 4xRestaurants
  • 2xAll spending

Value

1st Year Value$594

Travel insurance

Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

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