120K MR: 80K on $10K in 3mo; 40K on $25K in 12mo
| Category | Earn Rate |
|---|---|
Travel & HotelsBest | 3x Membership Rewards points per $1 |
Groceries | 1.25x Membership Rewards points per $1 |
Gas & Fuel | 1.25x Membership Rewards points per $1 |
Dining & Restaurants | 1.25x Membership Rewards points per $1 |
Bills & Utilities | 1.25x Membership Rewards points per $1 |
Point values vary by redemption method. See redemption values below
| Redemption Method | Value / Point | Rating |
|---|---|---|
| Transfer to Aeroplan 1:1 transfer ratio | 2.2¢ | Best |
| Transfer to Marriott Bonvoy 1:1.2 ratio | 1.2¢ | Good |
| Fixed Points Travel | 1.0¢ | Fair |
| Statement Credit | 0.7¢ | Poor |
| Gift Cards | 0.5¢ | Poor |
Transfer to Aeroplan for long-haul flights to maximize value
Enter your monthly spending to estimate annual rewards with this card.
Is the $799/yr fee worth it for you?
Calculate BreakevenTypical benefits for no fee tier cards. Actual coverage may vary.
American Express Acceptance
Amex is not accepted at all Canadian merchants. While acceptance has improved significantly, some smaller businesses, restaurants, and service providers may only accept Visa or Mastercard. Consider pairing this card with a Visa or Mastercard for complete coverage.
Based on card-specific requirements where available; household income estimated by tier.
Cash advance, balance transfer, and late payment fees are typical for this card tier. Check the issuer for exact rates.
Benefits You Use: ~$0 of ~$50/yr
0%Extended Warranty
Doubles the manufacturer warranty (up to 1 extra year) on eligible purchases