Air Canada-focused business travelersSMBs wanting Aeroplan perks with elevated earn rates
Air Canada & Air Canada Vacations purchases · 3xHotels and car rentals · 2xAll other purchases · 1.25x
Maple Leaf Lounge access and priority airport services on eligible Air Canada itinerariesAnnual Worldwide Companion Pass after $25K annual spend; free first checked bag for Cardmember + 8 companionsNEXUS credit, preferred Aeroplan pricing and Status Qualifying boosts from card spend+2 更多
Up to 90K Aeroplan points + Buddy Pass: 35K + $100 statement credit after $5K in first 3 months, then 5K per month for $2K spend in first 6 months (up to 30K), plus issuer-listed additional bonus structure
最低消费
$5,000 in 3 months plus $2,000 monthly for first 6 months (per issuer offer)
Frequent Air Canada flyers seeking premium perksTravelers who value lounge access and priority services
Air Canada & Air Canada Vacations purchases · 3xDining and food delivery in Canada · 2xAll other purchases · 1.25x
Maple Leaf Lounge access on eligible itineraries and priority airport services with Air CanadaFirst checked bag free for the primary Cardmember and up to 8 companions on the same Air Canada reservationNEXUS application credit every 4 years and priority eUpgrade/standby on Air Canada+2 更多
Air Canada leisure travelersBeginners building Aeroplan points with a lower fee
Air Canada & Air Canada Vacations purchases · 2xDining and food delivery in Canada · 1.5xAll other purchases · 1x
First checked bag free for the Cardmember and up to 8 companions on Air Canada itinerariesPreferred pricing on Aeroplan reward flights and accelerated path to Aeroplan Elite StatusTravel and shopping protections including flight delay, baggage delay and purchase security+1 更多
Up to 15K Aeroplan points plus a bonus Buddy Pass: earn 9K after $1,500 in first 3 months, then 1K per month for each $500 month in the first 6 months (6K)
最低消费
$1,500 in 3 months + $500 monthly for first 6 months
Startups and SMEs with recurring office, fuel and ride spendOwners wanting a low-fee 3x MR workhorse
Office supplies, electronics and business essentials · 3xRides and gas purchases · 3xEats & drinks (dining and delivery) · 3x
3x MR across common business categories (caps per issuer); 1x on other spendAccess to Amex Offers and Pay With Points for business expensesMobile device insurance and travel/shopping protections+1 更多
Up to 45K MR: earn 10K after each $5K in purchases in a quarter (up to 3 quarters) plus a base bonus per issuer offer
最低消费
$5,000 per quarter for first 3 quarters (issuer structure)
American Express Canada Business Gold Rewards Card
American Express
American Express Canada Business Gold Rewards Card
CanadaAmerican Express
American Express
American Express Canada Business Gold Rewards Card
Membership Rewards
最高 11 万 MR 的商金卡，2× 旅行及商务类别，最长 55 天免息并含季度奖励与商业保险。
SMBs needing flexible MR rewardsOwners who want a lower-fee alternative to Business Platinum
Eligible travel purchases · 2xBusiness essentials (e.g., office supplies, shipping) per issuer categories · 2xAll other purchases · 1x
Up to 55 days of interest-free period to help manage cash flowQuarterly 10K bonus points when hitting issuer-posted spend thresholdsTravel and shopping protections, including car rental damage waiver and purchase security+2 更多
Up to 110K MR: issuer offer includes a base 40K bonus plus additional tiers to reach the full 110K
最低消费
Issuer-specified spend milestones across the first months
American Express Canada Business Platinum Card
American Express
American Express Canada Business Platinum Card
CanadaAmerican Express
American Express
American Express Canada Business Platinum Card
Membership Rewards
限时最高 12 万 MR，附带全球贵宾厅、商业保险与长达 55 天免息期的加版商务白金。
Frequent business travelersSmall business owners maximizing MR transfers and lounge access
Eligible travel purchases · 1.25xAll other purchases · 1.25x
Complimentary airport lounge access including Centurion, Plaza Premium and Priority Pass for the CardmemberComprehensive travel and business insurance plus Employee Card Misuse ProtectionAmex Offers and Membership Rewards transfers to airline and hotel partners+2 更多
Dining and delivery power usersUrban commuters building MR Select points
Restaurants, bars, cafes, grocery & food delivery in Canada (up to $2,500/mo) · 5xEligible streaming subscriptions in Canada · 3xGas stations and local transit in Canada · 2x
Front Of The Line presales plus Amex Offers for dining, travel and retail partnersMobile device insurance and core travel protections on trips purchased with the CardEarn extra points on eligible hotel and car bookings made through American Express Travel+1 更多
Earn 2,500 MR points for each monthly billing period you spend $500 in the first year (up to 30K total)
最低消费
$500 in each of the first 12 monthly billing periods
American Express Canada Essential Credit Card
American Express
American Express Canada Essential Credit Card
CanadaAmerican Express
American Express
American Express Canada Essential Credit Card
None
$25 年费、12.99% 低利率定位，无积分，适合作为低息备用卡。
Borrowers prioritizing lower interest over rewardsAs a backup low-fee card for unexpected expenses
Lower 12.99% interest rate on purchases and cash advances compared with typical credit cardsAccess to Amex Offers and Plan It Installment options for larger expensesPurchase protection and extended warranty on eligible items+1 更多
Eligible travel purchases · 2xGas, grocery and drugstore purchases in Canada · 2xAll other purchases · 1x
Transfer MR points to airlines (Aeroplan/Avios/etc.) and hotel partnersComprehensive travel insurance including medical, trip delay and lost baggageFront Of The Line presales and Amex Offers across dining, entertainment and retail+1 更多
Newcomers wanting a no-fee MR cardLight spenders seeking Amex perks without a fee
All eligible purchases · 1x
Pay With Points for recent charges and flexible redemptions including travelFront Of The Line presales and Amex Offers for entertainment and shoppingTravel and shopping protections including purchase security and extended warranty+1 更多
Small businesses spending with MarriottOwners seeking annual Free Night and Elite Night Credits
Eligible purchases at Marriott Bonvoy properties · 5xGas stations, dining and travel · 3xAll other purchases · 2x
Annual Free Night Award up to 35K points and ability to top up with points per Marriott rules15 Elite Night Credits every year to accelerate Marriott status; Gold status after $30K annual spendTravel protections and purchase coverage suitable for business travel+1 更多
Marriott loyalists seeking an easy Free NightTravelers wanting elite nights from spend
Eligible purchases at Marriott Bonvoy properties · 5xAll other purchases · 2x
Annual Free Night Award up to 35K points after each account anniversary15 Elite Night Credits every year to jump-start status; Gold status after $30K annual spendAutomatic Marriott Bonvoy Silver Elite status and accelerated points earning on stays+1 更多
Eligible travel purchases · 2xAll other purchases · 1x
Unlimited Centurion, Plaza Premium and Priority Pass lounge access for the Cardmember plus one guest$200 annual travel credit and premium hotel perks via Fine Hotels + Resorts and The Hotel CollectionAutomatic Marriott Bonvoy Gold Elite and Hilton Honors Gold status upon enrollment+2 更多
Households with heavy gas/grocery spendCashback seekers comfortable with a monthly fee
Gas and grocery purchases in Canada (up to $30,000 annually) · 4xAll other purchases · 2x
No limit on total cash back earned after category capsMobile device insurance plus travel and shopping coverageAmex Offers access for additional statement credits+1 更多
Fee-averse cardholders wanting simple cash backNewcomers building credit with Amex
Gas and grocery purchases in Canada (up to $15,000 annually) · 2xAll other purchases · 1.25x
No annual fee with elevated gas and grocery earn up to the annual capSupplementary cards at no cost to accelerate cash backTravel and shopping coverage including purchase security and extended warranty+1 更多
无年费 moi 联名卡，首刷最高 5K 积分，Metro/Jean Coutu/餐饮/加油都可 2× 赚取 moi 积分。
Quebec shoppers loyal to Metro/moiStudents or newcomers wanting no-fee grocery rewards
Metro, Brunet, Première Moisson & Jean Coutu (with Moi card) · 2xDining purchases · 2xGas & EV charging · 2x
Earn and redeem Moi points across Metro, Jean Coutu, Première Moisson and other partners in Quebec and Atlantic CanadaNo annual fee with automatic linking to your Moi membership for stacked earnMoi points redeemable for groceries, gift cards, travel and lifestyle rewards via moiprogram.ca+2 更多
Western Canada familiesMore Rewards collectors wanting higher multipliers
Save-On-Foods, Quality Foods & More Rewards partners · 8xGas, EV charging & dining · 8xAll other purchases · 4x
Premier earn rates and offers at 700+ More Rewards partner storesRedeem for groceries, travel, gift cards and more through the More Rewards catalogNo annual fee Visa Infinite with travel/perks eligibility+1 更多
Western Canada familiesSave-On-Foods or More Rewards loyalists
Save-On-Foods, Quality Foods and other More Rewards partners · 5xGas, EV charging & dining · 5xAll other purchases · 3x
Earn and redeem at 700+ More Rewards partners across Western CanadaRedeem points for groceries, travel, gift cards or online rewardsNo annual fee and automatic linking to your More Rewards member number+2 更多
Frequent premium travelersCardholders seeking Avion flexibility with luxury perks
All eligible purchases · 1.25x
Earn 70K total welcome points (valued up to $1,500 in travel) with an extra 15K anniversary boostSix complimentary global airport lounge visits per year (over $375 value)Exclusive Avion Privilege services including concierge, luxury travel partners and enhanced insurance+2 更多
35K Avion on approval + 20K after $5K/6mo + 15K anniversary bonus
最低消费
$5,000 in 6 months
RBC
RBC Avion Visa Infinite
CanadaVisa
RBC
RBC Avion Visa Infinite
Avion
限时最高 5.5 万 Avion 开卡礼，旅行消费 1.25×，任意航司无封锁兑换并附带全套保险。
Flexible Avion collectorsTravelers needing premium insurance
Travel purchases · 1.25xAll other spend · 1x
Book any airline at any time via Avion Rewards with no blackout datesConvert Avion points to partners like British Airways, WestJet and American AirlinesComprehensive travel protection incl. emergency medical, trip cancellation, flight delay and mobile device insurance+2 更多
