on TD's website
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*Instant decisions are only available for Consumer (also known as Personal) Card applications.
The American Express Cobalt® Card is a versatile American Express card, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer valued at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase…
Earn up to 60,000 Membership Rewards® points:
Card features
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*Instant decisions are only available for Consumer (also known as Personal) Card applications.
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of
You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to…
Access special experiences with The Platinum Card®.
Get up to 100,000 Membership Rewards® points, worth up to $1,000 toward your next getaway-
Card features
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*Instant decisions are only available for Consumer (also known as Personal) Card applications.
The Platinum Card® is the best premium card in Canada for travellers.
With this welcome offer, you can earn up to 100,000 Membership Rewards® points:
With this Card, you get…
The Hilton Honors American Express® Card is a Consumer Credit Card in Canada with a $150 annual fee.
The welcome offer includes 60,000 Hilton HonorsTM 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, for a potential total of 70,000 Points and a Free Night Reward. Offer ends January 11, 2027.
on Scotiabank's website
Earn up to $3,000* in savings and rewards in the first 14 months, including up to 100,000 bonus Scene+ points1.
Rates, fees and other information are effective as of July 2, 2026. Subject to change.
For a limited time, by signing up for the Scotiabank Platinum American Express® Card, you can earn up to 100,000 Scene+ points, worth up to $3,000 in value over the first 14 months (including about $1,000 in travel rewards from the bonus points).
With the Scotiabank Platinum American Express® Card, you earn 2 points per dollar spent on all purchases. These points can be used against any travel purchase (plane tickets, hotels, all-inclusives, and even Airbnb), and you can also use them for other rewards in the Scene+ program, like cash back.
Plus, with this card, you pay no foreign transaction fees, and you get 10 free accesses to VIP airport lounges (Priority Pass).
And you benefit from excellent insurance for your trips and purchases, premium concierge service, and exclusive American Express Invitations offers.
on Scotiabank's website
Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points1.
Rates, fees and other information are effective as of July 2, 2026. Subject to change.
The Scotiabank Gold American Express Card offers an excellent welcome bonus.
Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:
This represents a value of up to $500 for travel (including Airbnb)…
The American Express payment network includes cards from American Express Bank of Canada and Scotiabank. The issuer determines the rewards program, fees, insurance and application terms. Compare our Amex-issued cards separately if you want that issuer specifically.
| Card | Annual fee | Rewards |
|---|---|---|
| Amex Cobalt | $15.99 a month ($191.88 a year) | 5x eligible eats and drinks in Canada, up to $2,500 monthly, then 1x, 3x eligible streaming, 2x eligible gas and transit in Canada |
| Amex Gold Rewards | $250 | 2x travel, gas, groceries, and drugstores |
| Amex Platinum | $799 | 2x dining and travel |
| Scotiabank Gold Amex | $120 | 6x at selected grocers and 5x on other eligible groceries, dining and entertainment in Canadian dollars, combined $50,000 annual cap; 1x thereafter and on foreign-currency purchases; no foreign transaction fee |
| Scotiabank Platinum Amex | $399 | 2x on all purchases, no foreign transaction fee |
| SimplyCash Preferred | $9.99 a month ($119.88 a year) | 4% cash back on eligible gas and groceries (grocery cash back capped at $1,200 annually), 2% on other eligible purchases |
The Cobalt earns 5 Membership Rewards points per $1 on eligible eats and drinks in Canada, up to a combined $2,500 monthly, then 1 point per $1. Its fee is $15.99 monthly outside Quebec, or $191.88 annually in Quebec. SimplyCash Preferred earns 4% cash back on eligible gas and groceries, with grocery cash back capped at $1,200 annually, and 2% on other eligible purchases.
Scotiabank Gold and Platinum Amex cards earn Scene+ points, not Membership Rewards. Gold’s accelerated categories apply to eligible Canadian-dollar purchases, with a combined $50,000 calendar-year cap, then 1 point per $1. Foreign-currency purchases earn 1 point per $1 after conversion. Both cards have no foreign transaction fee; cards issued by Amex Bank of Canada generally charge 2.5%.
A point’s value depends on how you use it; a points multiplier is not a guaranteed cash-back percentage. Consult our points valuation and compare the Membership Rewards, Aeroplan and Marriott Bonvoy options. Lounge access, annual credits and anniversary nights have conditions; count only benefits you expect to use.
The linked card pages show current welcome offers, spending thresholds and expiry dates. Eligibility is not automatic, even when applying for a different card. Several Aeroplan fees change in January 2027; compare the announced dates and fees before choosing.
Check that your usual merchants accept Amex. A no-annual-fee Visa or Mastercard can provide a backup. Regular terms were checked on October 28, 2026 against American Express, its Cobalt terms and Scotiabank Gold terms.
FAQ
No. Scotiabank also issues cards on the Amex network. Its Gold and Platinum Amex cards earn Scene+ points. Amex-issued cards may earn Membership Rewards, Aeroplan points, Marriott Bonvoy points or cash back, depending on the product.
It earns 5 points per $1 on eligible eats and drinks in Canada, up to a combined $2,500 monthly. After that cap, the rate is 1 point per $1. Merchant classification and the issuer’s terms determine eligibility.
Check the specific offer terms before applying. Restrictions may involve current or former cardmembers, previous bonuses or Aeroplan conditions. Holding a different card does not by itself guarantee eligibility.
Cards issued by Amex Bank of Canada generally charge 2.5%. Scotiabank Gold and Platinum Amex cards do not add that fee. Gold’s foreign-currency purchases earn the base 1 Scene+ point per $1 after conversion, not the accelerated Canadian-dollar category rates.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
