Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Dining
3x
Travel
2x
Everything else
1x
Where it wins:
Stated credits ($1,120/yr) cover the $699 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
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.
- Dining3×
- Travel2×
- Everything elseAll Purchases1×
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
- 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
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.
Flo 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.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $699 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.