Published 12/06/2024 Updated 02/10/2026 | BeCred

American Express Platinum

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The American Express Platinum Card is Canada’s leading premium travel rewards card, offering unmatched airport lounge access, generous welcome points, elite hotel status, and comprehensive travel insurance. Designed for high-end travellers and professionals, it delivers luxury, flexibility, and prestige in one powerful metal card.

HOW TO APPLY

Top Features of the American Express Platinum Card

  • Earn 2 points per $1 on eligible travel and dining purchases
  • Earn 1 point per $1 on all other eligible purchases
  • Welcome bonus: Up to 100,000 Membership Rewards points (limited-time; conditions apply)
  • Hotel elite status with Marriott Bonvoy™ Gold, Hilton Honors™ Gold, and access to the Fine Hotels & Resorts® collection
  • $200 annual travel credit
  • $200 annual dining credit (conditions apply)
  • Platinum Concierge Service for travel, dining, and lifestyle reservations
  • Annual fee: $799
  • No additional fee for up to 2 supplementary Gold Cards; Platinum supplementary cards available for $250 each

Hotel Elite Status and Exclusive Partnerships

The Platinum Card provides Gold status in both Marriott Bonvoy™ and Hilton Honors™, offering upgrades, bonus points, and late checkout where available. Additionally, cardholders can book through the Fine Hotels & Resorts® collection, gaining perks like daily breakfast for two, room upgrades, and guaranteed 4 PM late checkout.

Annual Travel and Dining Credits

To help offset the annual fee, cardholders receive a $200 annual travel credit for bookings through Amex Travel and a $200 annual dining credit (conditions apply). These benefits alone can provide significant value for those who frequently travel or dine out.

Annual Fees and Supplementary Cards

The annual fee is $799, but the value received through points, travel perks, and credits can easily outweigh this cost for frequent travelers. You can also add up to 2 supplementary Gold Cards at no extra cost, while Platinum supplementary cards are available for $250 each.

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

Why Choose the American Express Platinum Card?

With unparalleled travel privileges, elite status, flexible rewards, and white-glove concierge service, the Amex Platinum Card is built for Canadians who want more from every journey. From airport lounges to hotel upgrades, it transforms everyday spending into exclusive travel and lifestyle experiences.

Who Should Get This Card?

The American Express Platinum Card is ideal for frequent flyers, luxury travellers, and professionals who want premium benefits and are willing to invest in a higher-tier rewards program. If you value comfort, elite travel perks, and personalized service, this card is built for you.

HOW TO APPLY

Credit card approval in Canada typically depends on your credit score, income, existing debts, and credit history. Lenders review your financial profile to determine whether you qualify and what credit limit they can offer.

Many basic credit cards can be approved with a score around 600 or higher. Premium cards may require a stronger score, often above 700. Some secured credit cards are available for people with little or no credit history.

Yes. Many Canadian banks offer special credit card programs for newcomers who may not yet have a Canadian credit history. These programs often include starter credit limits to help build credit over time.

You can build your credit score by paying your balance on time every month, keeping your credit utilization low, and avoiding missed payments. Responsible use over time helps strengthen your credit profile.

Paying the minimum keeps your account in good standing, but interest will continue to accumulate on the remaining balance. Over time this can increase the total amount you pay for your purchases.

Some credit cards charge annual fees in exchange for rewards, travel benefits, or higher credit limits. However, many Canadian banks also offer no-fee credit cards with basic features and cashback options.

CREDIT CARD

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

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