Amex (Canada)
Platinum
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Card review
Platinum
Amex (Canada)
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$699
Welcome bonus
175,000 pts welcome offer
Est. net value
Run calculator
Credit score
Varies
Top earn rate
3x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Platinum from Amex (Canada) carries a $699 annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
Earn 3X for every $1 at restaurants, quick service restaurants, coffee shops and drinking establishments in Canada. Earn 2X for every $1 for travel services or travel bookings including air, water, rail and road transport, lodging and tour operator sales, but not including local and commuter transportation.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 3× |
| TravelTravel | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
175,000 points
- Spend $12,000 in 180 days
- Est. value: $1,750 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- $600 Hotel Credit$600/yr
Up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel.
- $200 Uber Cash & $120 Uber One Credit$200/yr
Receive $15 in Uber Cash each month (plus a bonus $20 in December) and up to $120 in statement credits annually for an Uber One membership.
Benefits & perks
- The Global Lounge Collection ®
Access to over 1,550 airport lounges, including Centurion Lounges, Delta Sky Club (10 visits), and Priority Pass membership.
- $600 Hotel Credit$600/yr
Up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel.
- $200 Uber Cash & $120 Uber One Credit$320/yr
Receive $15 in Uber Cash each month (plus a bonus $20 in December) and up to $120 in statement credits annually for an Uber One membership.
- $400 Resy Credit$400/yr
Up to $100 in statement credits each quarter on eligible purchases with Resy, including at over 10,000 qualifying U.S. Resy restaurants.
- More Ways to Pay
Features like Pay Over Time and Plan It offer flexibility for managing payments.
Transfer partners
Where this card's points can go, and at what ratio. 18 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- ANA Mileage Club1:1
- Avianca LifeMiles1:1
- British Airways Avios1:1
- Cathay Asia Miles1:1
- Delta SkyMiles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- Iberia Plus1:1
- Qantas Frequent Flyer1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Marriott Bonvoy1:1
- Hilton Honors1:2
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$699
- Stated credits
- +$800
- Perks (est.)
- +$720
- Net after credits & perks
- $821
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $699 per year.