Amex (Canada)
Platinum
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Card review
Platinum
Amex (Canada)
Last updated October 7, 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
$1,018/yr
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. On WalletFlo's typical spend profile, the OneCard engine estimates $397.20 in rewards plus $1,320.00 in credits and perks — $1,018.20 net per year before welcome bonuses.
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.
- $120 Uber One Credit$120/yr
Up to $120 in statement credits each calendar year for an auto-renewing Uber One membership.
- $400 Resy Credit$400/yr
Up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at qualifying U.S. Resy restaurants. Enrollment required.
Benefits & perks
- The Global Lounge Collection
Access to over 1,550 airport lounges, including Centurion Lounges, 10 Delta Sky Club 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$200/yr
Receive $15 in Uber Cash each month plus a bonus $20 in December for rides and orders in the U.S.
- $120 Uber One Credit$120/yr
Up to $120 in statement credits each calendar year for an auto-renewing Uber One membership.
- $400 Resy Credit$400/yr
Up to $100 in statement credits each quarter for eligible purchases with Resy, including dining at qualifying U.S. Resy restaurants. Enrollment required.
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
- +$1,120
- Perks (est.)
- +$200
- Net after credits & perks
- $621
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
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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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.