Scotia Momentum® Visa Infinite +* CardScotia Momentum® Visa Infinite +* Card15% cash back on up to $2,000 in purchases + No annual fee in the first year*
Sponsored
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,039
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 160,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points as well as an Annual Fee rebate for the first year:

  • 20,000 TD Rewards Points for the first purchase made with your card
  • 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening
  • A Birthday Bonus of up to 10,000 TD Rewards Points

Get an annual TD Travel Credit of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277).

With the TD First Class Travel® Visa Infinite* Card, you earn:

  • 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • 6 TD Rewards Points per dollar on your grocery, dining and public transit purchases
  • 4 TD Rewards Points per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
  • 2 TD Rewards Points per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year.

Annual fee

Primary card$139
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 6xGroceries
  • 6xRestaurants
  • 6xTransit
  • 4xBills & recurring payments
  • 4xStreaming
  • 2xAll spending

Value

1st Year Value$1,406
2nd Year Value$531

Card benefits

Concierge service24/7
Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
Featured
Marriott Bonvoy American Express Card
Annual fee
$120
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Loyalty Program
Marriott Bonvoy
Fees and terms
Annual Fee
$120/yr
Additional card
$0
Min. annual income
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

Earn up to 110,000 bonus Marriott Bonvoy® points

  • New Marriott Bonvoy® American Express®* Cardmembers can earn 80,000 bonus Marriott Bonvoy® points after you spend $6,000 on your Card in your first 6 months of Cardmembership
  • Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
  • Offer ends September 22, 2026.

Card features

  • Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
  • Earn 2 points for every $1 in all other Card purchases
  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • No annual fee on Additional Cards.
  • Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
  • Automatic Marriott Bonvoy Silver Elite status membership.
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Read full review
Rewards
Rate
Marriott Bonvoy hotels
5x
Travel insurance
Coverage
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Pros

  • Welcome bonus of up to 110,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • Fewer premium perks

The Marriott Bonvoy® American Express®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:

  • Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost…

Read full review
Featured
Marriott Bonvoy Business American Express Card
Annual fee
$150
Our valuation
$990
Milesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 110,000 points
Ends Sep 22, 2026
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Loyalty Program
Marriott Bonvoy
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

Earn up to 110,000 bonus Marriott Bonvoy® points

  • New Marriott Bonvoy® Business American Express®* Cardmembers can receive 80,000 Marriott Bonvoy® points as a bonus after charging $10,000 to their Card in the first 6 months of Cardmembership.
  • Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
  • Offer ends September 22, 2026.

Earn Marriott Bonvoy points that you can redeem in a variety of ways:

  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
  • Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
  • Earn 2 points for every $1 spent on everything else
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines

Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.

  • Leverage your cash flow with the option of carrying a balance or paying in full each month
  • Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.

Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card:

  • Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
Read full review
Rewards
Rate
Marriott Bonvoy hotels
5x
Travel
3x
Gas & EV
3x
Restaurants
3x
Travel insurance
Coverage
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Awards won by this card

  • Awards2026 Best Business Credit Card Community

Pros

  • Welcome bonus of up to 110,000 points
  • 2x on groceries
  • 3x at restaurants

Cons

  • Fewer premium perks

The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.

With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:

  • Earn 80,000 points after you spend $10,000 on your Card in your first 6 months of Cardmembership.
  • Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.

This exceptional offer ends on September 22, 2026

Read full review
American Express Cobalt Card
Annual fee
$191.88
Our valuation
$255
Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Additional card
$0
Min. annual income
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

  • In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Card features

  • Earn 5X the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
  • Earn 3X the points on eligible streaming subscriptions in Canada
  • Earn 2X the points for eligible gas, public transit and ride sharing purchases in Canada
  • Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
  • Earn 1X point for every $1 in Card purchases everywhere else
  • Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
  • Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Access Front Of The Line® AmexTM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Convenience
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$500
Travel Accident
$250,000
Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 2 years
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best Community Travel Credit Card
  • 2026 Awards Best Credit Card for Restaurants

Pros

  • Welcome bonus of up to 15,000 points
  • 5x on groceries
  • 5x at restaurants

Cons

  • High annual fee ($191.88)

The American Express Cobalt® Card is the best credit card from American Express, 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 we value 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…

Read full review
American Express Gold Rewards Card
Annual fee
$250
Our valuation
$1,170
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,020Annual credit$100Annual credit$50Total$1,170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 60,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$250/yr
Additional card
$50
Min. annual income
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

Earn up to 60,000 Membership Rewards® points:

  • New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card

Card features

  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
  • Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
  • The Card is now available in your choice of Gold or Rose Gold metal options
  • Receive a C$50 statement credit when you charge your American Express Gold Rewards Card for NEXUS membership or renewal fees
  • You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
  • As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
  • Enjoy four (4) free visits per calendar year to Plaza Premium lounges in Canada. Entry fees apply once complimentary visits have been used
  • Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
  • Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Read full review
Rewards
Rate
Pharmacy
2x
Gas & EV
2x
Travel
2x
Groceries
2x
Benefits
Airport lounges
$160
NEXUS
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$500
Lost Baggage
$500
Flight Delay
$500
Hotel Burglary
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Pros

  • Welcome bonus of up to 60,000 points
  • 2x on groceries

Cons

  • High annual fee ($250)

Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of $600 toward travel or any purchase charged to the Card:

  • 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).

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…

Read full review
American Express Platinum Card
Annual fee
$799
Our valuation
$2,200
Milesopedia first-year estimateFirst-year valueWelcome bonus$1,700Annual credit$200Annual credit$200Annual credit$100Total$2,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 100,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$799/yr
Additional card
$250
Min. annual income
Household income
$0+
Interest rates
Foreign transaction fee
2.5 %

Issuer terms

Access special experiences with The Platinum Card®.

Get up to 100,000 Membership Rewards® points, worth up to $1,000 toward your next getaway-

  • As a new The Platinum Card® Cardmember, get a welcome bonus of 70,000 points when you charge $10,000 in net purchases to your Card in the first 3 months of Cardmembership
  • Plus, get 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

Card features

  • Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
  • Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
  • Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
  • Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
  • Make the most of the American Express Global Lounge Collection, which gives you access to more than 1,550 airport lounges worldwide. The Global Lounge Collection includes the Centurion Lounge® network, Plaza Premium lounges, and hundreds of other international and domestic lounges that will enhance your travel experience. Terms and conditions apply
  • Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
  • Transfer points 1:1 to several frequent flyer and other loyalty programs
  • Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
  • Platinum Cardmembers can enjoy access to special events and unique opportunities
  • Enjoy premium benefits at the Toronto Pearson Airport
  • You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
  • Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

 

Read full review
Rewards
Rate
Travel
2x
Restaurants
2x
Benefits
Airport lounges
$400
Annual credit
Included
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 15 days
Travel medical (55-64)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
$2,500
Delayed Baggage
$1,000
Lost Baggage
$1,000
Flight Delay
$1,000
Hotel Burglary
$1,000
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$85,000 · 48 days
Read full review

Awards won by this card

  • 2026 Awards Best High-End Credit Card

Pros

  • Welcome bonus of up to 100,000 points
  • 2x at restaurants

Cons

  • High annual fee ($799)

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:

  • 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
  • 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

With this Card, you get…

Read full review
American Express Green Card
Annual fee
$0
Our valuation
$170
Milesopedia first-year estimateFirst-year valueWelcome bonus$170Total$170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
10,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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”).

Features
Issuer
Amex
Network
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
21.99 %
Foreign transaction fee
2.5 %

Issuer terms

  • Get the Card that lets you live in the moment while getting ready for the future. The American Express® Green Card lets you go for it with every swipe or tap of your Card
  • As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets
  • Earn 1x the points on Card purchases
  • Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit)
  • With Amex ExperiencesTM and Front Of The Line® Amex Presale Tickets®, American Express Cardmembers get access to amazing events in Canada
  • Transfer points 1:1 to several frequent flyer and other loyalty programs

Apply with confidence!

  • See if you’ll be approved before you apply – with no impact to your credit score.*
  • When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
  • Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
  • A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
  • Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

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Purchase protection
Coverage
Purchase Protection
$1,000 · 90 days
Extended Warranty
+1 year
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Awards won by this card

  • Awards2026 Best No-Fee Travel Credit Card

Pros

  • No annual fee
  • Welcome bonus of 10,000 points

Cons

  • Fewer premium perks

Do you want a cash back credit card with no annual fee that earns travel points? Here’s an option for you: American Express® Green Card.

By signing up for the American Express® Green Card, you can earn 10,000 Membership Rewards Welcome Bonus Points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. This is a $100 value for travel or any purchase on the Card.

You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) 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…

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Why Marriott Bonvoy?

Marriott Bonvoy is the world's largest hotel loyalty program with 8,000+ properties across 30 brands (Marriott, Sheraton, Westin, W, Ritz-Carlton, St. Regis). Canadian Marriott Bonvoy Amex cards earn points on every purchase that can be redeemed for free nights worldwide.

Best Marriott Bonvoy Cards

The Marriott Bonvoy American Express Card includes a free night award annually (worth $200-400+). The Business version offers similar benefits with higher earn rates on business spending.

FAQ

Frequently Asked Questions

How many points for a free night?

Free nights range from 5,000 points (Category 1) to 85,000+ points (Category 8). Most Canadian hotels fall in the 15,000-40,000 range.

Is the annual free night certificate worth it?

The Marriott Bonvoy Amex ($120/yr) includes a free night at properties up to 35,000 points, which can easily be worth $200-400. It more than pays for itself.

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