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The Platinum Card®
AMERICAN EXPRESSEveryday rewards
The Platinum Card®
Welcome bonus
~$2600
Earn up to 130,000 Membership Rewards points
Annual fee $799Purchase APR 21.99%1st-year value +$1801
Apply on American Express →Why get this card
- ✓Big welcome bonus worth ~$2600
- ✓Bonus covers 3× the annual fee
- ✓Earn 2x on dining & food delivery purchases in canada
Earn rates
- Dining & food delivery purchases in Canada2x
2X points per $1
- Travel2x
2X points per $1
- Everything else1x
1X points per $1
- Amex Travel Online1x
1 additional point per $1
Welcome offer
Earn up to 130,000 Membership Rewards points
- Est. cash value
- ~$2600
- Bonus points
- 130,000
- Minimum spend
- $10,000
- Spend window
- 90 days
- Offer ends
- —
Earn 90,000 points after spending $10,000 in the first 3 months, plus an additional 40,000 points after spending a total of $45,000 in the first 12 months of Cardmembership.
Fees
- Annual fee
- $799
- Additional card
- $250
- Foreign transaction fee
- —
$250 annual fee for each Additional Platinum Card; $0 annual fee for first two Additional Gold Cards, $50 for any further Additional Gold Cards. Charge card with no pre-set spending limit.
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- —
- Balance transfer APR
- —
- Grace period
- 21 days
- Rate effective date
- —
Benefits & insurance
- Lounge access
- Priority Pass
- Insurance coverages
- 1
- Travel insurance coverage
Redemption & eligibility
- Reward currency
- Membership Rewards points
- Redemption options
- Flexible Points Travel Program, Travel, Statement credits
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
Canadian resident with a Canadian credit file
Compare with similar cards
Frequently asked
- Is the The Platinum Card® worth it?
- It carries a $799 annual fee and a welcome offer worth about $2600, for an estimated first-year value of +$1801. Big welcome bonus worth ~$2600. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the The Platinum Card®?
- The annual fee is $799. The purchase interest rate is 21.99% and the cash advance rate is —. These are sourced from American Express's official page.
- What rewards does the The Platinum Card® earn?
- It earns up to 2x on dining & food delivery purchases in canada, in Membership Rewards points. See the full earn-rate breakdown above.
Official sources
Every figure on this page comes from American Express's own pages. Last checked 2026-06-13.