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Amex Platinum Card
CANADA CREDIT CARD

Amex Platinum Card

American Express Canada · Annual fee CA$799 CAD · Membership Rewards Points · data refreshed October 3, 2026

Quick answer: The Amex Platinum Card carries a CA$799 annual fee and 16 catalogued benefits, 3 of them dollar credits worth CA$425 a year at face value; its best earning category is Dining at 2x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Dining2x2.8%
Travel2x2.8%
Everything else1x1.4%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Credits (3)

$200 Annual Travel Credit

CA$200/yr
AnnualResets on card anniversary

$200 annual travel credit applicable toward flights, hotels, or vacation packages booked through American Express Travel Online or the Platinum Card Travel Service. Renews on card anniversary date.

$200 Annual Dining Credit

CA$200/yr
AnnualResets January 1

$200 annual dining credit at select Canadian restaurants. Renews on calendar year (January 1 - December 31). Check Amex Offers or the Platinum benefits page for participating restaurants.

$100 NEXUS Credit

CA$25/yr
Every 4 years

Up to $100 CAD in statement credits every four (4) years for NEXUS program application or renewal fees charged to the card. NEXUS provides expedited border crossing between Canada and the United States.

Status & Elite Perks (3)

American Express Global Lounge Collection

CA$300/yr
AnnualResets January 1

Unlimited complimentary access to the American Express Global Lounge Collection, including 1,300+ lounges worldwide: Centurion Lounges, Delta Sky Club (when flying Delta), Plaza Premium Lounges, Priority Pass (600+ lounges), and more. Cardholder may bring up to 2 guests free to Centurion Lounges. Note: Starting January 1, 2027, unlimited access will require meeting an annual spend threshold; basic Platinum cardmembers will receive 6 complimentary visits per calendar year.

Marriott Bonvoy Gold Elite Status

CA$100/yr
Annual

Complimentary Marriott Bonvoy Gold Elite status, providing benefits including daily breakfast for two, guaranteed late checkout, room upgrades when available, and 25% bonus points on Marriott stays. Enrollment required.

Hilton Honors Gold Status

CA$75/yr
Annual

Complimentary Hilton Honors Gold status, providing benefits including complimentary breakfast, room upgrades when available, and 80% bonus points on Hilton stays. Enrollment required.

Protections (10)

Travel Emergency Medical Insurance

CA$75/yr
Annual

Out-of-province/country emergency medical insurance providing up to $5,000,000 in coverage for the first 15 days of any trip, for cardholders under age 65. Coverage includes emergency medical treatment, hospitalization, and emergency evacuation.

Rental Car Insurance

CA$75/yr
Annual

Rental car collision and loss damage insurance for vehicles with an MSRP of up to $85,000, for rental periods up to 48 consecutive days. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.

Trip Cancellation Insurance

CA$50/yr
Annual

Trip cancellation insurance providing up to $2,500 per covered person, with an overall maximum of $5,000 per trip. Covers non-refundable prepaid travel expenses when a trip must be cancelled due to covered reasons such as illness, injury, or death. Travel must be charged to the card.

Trip Interruption Insurance

CA$50/yr
Annual

Trip interruption insurance providing up to $2,500 per covered person, with an overall maximum of $6,000 per trip. Covers additional expenses incurred when a trip is interrupted due to covered reasons. Travel must be charged to the card.

Flight Delay Insurance

CA$25/yr
Annual

Flight delay insurance providing up to $1,000 for reasonable expenses including meals, accommodations, and essential items in the event of a flight delay of 4 or more hours, when the fare is charged to the card.

Baggage Insurance

CA$25/yr
Annual

Baggage insurance providing up to $1,000 for emergency purchases when baggage is delayed (6+ hours) or up to $1,000 total for lost or stolen baggage during a trip where the common carrier fare was charged to the card.

Purchase Protection

CA$25/yr
Annual

Purchase protection covering eligible items purchased with the card against accidental physical damage or theft for up to 120 days from the date of purchase, up to $1,000 per occurrence.

Extended Warranty

CA$25/yr
Annual

Extended warranty coverage that doubles the original manufacturer's warranty period by up to one additional year. Items must be purchased entirely with the card.

Travel Accident Insurance

CA$10/yr
Annual

Travel accident insurance providing up to $500,000 in accidental death and dismemberment coverage when the full fare for a common carrier (airline, train, bus, etc.) is charged to the card.

Hotel Burglary Insurance

CA$10/yr
Annual

Hotel/motel burglary insurance providing up to $1,000 per occurrence for loss of personal property due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.

How to track it

Add the Amex Platinum Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other American Express Canada cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.