Published 12/06/2024 Updated 03/25/2026 | BeCred

American Express Platinum

ADS

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 & Exclusive Partnerships

  • Cardholders enjoy Gold status in both Marriott Bonvoy™ and Hilton Honors™, providing perks like room upgrades, bonus points, and priority late checkout.
  • Fine Hotels & Resorts® access ensures an elevated hotel experience:
    • Daily breakfast for two
    • Complimentary room upgrades when available
    • Guaranteed 4 PM late checkout
  • These perks are particularly valuable for travelers who frequently stay at partner properties or book luxury accommodations.

Annual Travel and Dining Credits

  • $200 annual travel credit helps offset the cost of flights, hotels, or travel packages booked through Amex Travel.
  • $200 annual dining credit rewards cardholders who dine out at participating restaurants, adding tangible value to everyday spending.
  • These credits reduce the net impact of the annual fee, making the card more appealing for frequent travelers and diners.

Fees and Supplementary Cards

  • Annual fee: $799.
  • Supplementary Gold Cards: Up to 2 at no additional cost.
  • Supplementary Platinum Cards: Available for $250 each.
  • Despite the high annual fee, frequent travelers and professionals can easily offset costs through points, elite perks, and credits.

Advantages

  • High earning potential on travel and dining purchases.
  • Large welcome bonus with significant Membership Rewards point value.
  • Access to hotel elite status (Marriott Bonvoy Gold, Hilton Honors Gold).
  • Exclusive Fine Hotels & Resorts® perks, including breakfast, upgrades, and late checkout.
  • Annual travel and dining credits provide measurable value.
  • Personalized Platinum Concierge Service enhances lifestyle and travel experiences.
  • Supplementary cards available to extend benefits to family or colleagues.
  • Ideal for Canadians who travel frequently and can maximize points and perks.

Disadvantages

  • High annual fee ($799) may not suit infrequent travelers.
  • Dining credit conditions may limit flexibility.
  • Supplementary Platinum cards cost $250 each, adding extra expense.
  • Maximum value requires consistent travel, hotel stays, and credit utilization.
  • Some benefits, like elite hotel status, may not be fully utilized by occasional travelers.

Who Is This Card For?

  • Frequent flyers and luxury travelers who regularly stay at partner hotels.
  • Professionals who want premium travel, lifestyle perks, and concierge services.
  • Canadians who can maximize the annual travel and dining credits.
  • Users who value elite status, hotel upgrades, and access to luxury hotel programs.
  • Individuals willing to pay a high annual fee for top-tier rewards, flexibility, and exclusive experiences.

Who Is This Card NOT For?

  • Infrequent travelers who rarely stay at partner hotels.
  • People seeking low or no annual fee cards.
  • Users who do not dine out regularly or cannot use the annual credits.
  • Those who prefer simple cashback or basic rewards programs.
  • Individuals who will not leverage elite status or concierge services.

Conclusion

The American Express Platinum Card is a premium option for Canadians seeking luxury travel and lifestyle benefits. With elite hotel status, high points earning on travel and dining, annual credits, and access to Fine Hotels & Resorts®, it provides significant value for frequent travelers. While the $799 annual fee is high, the combination of rewards, perks, and concierge services can easily outweigh the cost for those who maximize its benefits.

HOW TO APPLY

You will remain on this site and learn everything about this credit.

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

More options:

More Rewards RBC Visa

RBC launched a free version of its Visa Infinite that stands out as a mid-to-high tier credit card with no annual fee. This review takes…

RBC Cash Back Preferred World Elite Mastercard

If your goal is to earn solid cash back on everyday purchases without complicated rules, the RBC Cash Back Preferred World Elite Mastercard stands out…

TD Double Up Credit Card

If the goal is to have one reliable credit card for nearly all purchases, without rotating categories or complicated reward rules, the TD Double Up…

DISCLAIMER: BeCred is not a bank. BeCred strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.

PARTNERS: We earn from ads and partner referrals. Partners may influence what we feature, but our evaluations are impartial.
Information may differ from what is found on financial institution websites. Financial products are displayed without a guarantee of being current. Read all terms before applying.

© 2026 BeCred - TIMO MIDIA 62.179.475/0001-44