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  • $699 Annual fee
  • 80,000 pts Welcome Bonus
  • 3 pts Every $1 Spent

American Express Platinum Card Overview

The American Express Platinum card boasts a wide range of features that more than justify the hefty $699 annual fee. Its perk potential is staggering. You can earn up to 3 points on eligible purchases and gain up to 100,000 points.

With the Platinum card’s features, you’ll travel in style. The Platinum card opens several doors, from exclusive airport lounges to unique culinary experiences. It also includes several insurance benefits, purchase protection, and an extended warranty.

Points can be redeemed for statement credits, travel, and flights through the Fixed Points Travel Program. Alternatively, you can transfer them one-for-one to a loyalty program of your choice.

Essential Information


American Express


American Express

Card Type



There are plenty of benefits to earn with the Platinum card, including a lucrative welcome bonus and points on everyday purchases.

Welcome Bonus

When you first get the American Express Platinum® card, you earn:

  • 80,000 Welcome Bonus points for $6,000 net purchases made in the first three months of owning the card. This bonus can be redeemed for an $800 credit towards eligible purchases.


The American Express Platinum® card has the following reward structure.

  • 3 points per $1 spent on dining and food delivery purchases
  • 2 points per $1 spent on travel
  • 1 point per $1 spent on other purchases
  • 1 additional point per $1 spent on Amex Travel Online

Platinum cardholders also can get 20,000 points for purchases made between 14 and 17 months of owning the card. These points can be redeemed for $200 towards eligible purchases.

Travel Insurance

As an Amex Platinum® cardholder, you may receive the following insurance:

  • Hotel burglary insurance with coverage of up to $500 for losing your personal items
  • Flight delay insurance of up to $500 for accommodation, meals, and miscellaneous expenditure
  • Baggage delay insurance of up to $500 for purchasing essential clothing and sundry items
  • Car rental theft and damage insurance to cover you if your rental car of 48 days or less is lost, stolen, or damaged
  • $500,000 worth of travel accident insurance (or Accidental Death and Dismemberment Insurance)
  • Worldwide emergency medical assistance services and legal referrals, 24/7/365

Other Perks

  • A $200 annual travel credit to redeem through American Express Travel Online or Platinum Card Travel Service.
  • Access to airport lounges around the world with the Global Lounge Collection.
  • Extraordinary culinary experiences through Global Dining Collection.
  • $100 statement credit when you charge your NEXUS application or renewal fees to your Platinum card.
  • Ability to fast-track hotel loyalty programs worldwide to receive benefits such as the Hilton Honors Gold Status and Marriot Bonvoy Gold Elite Status.
  • Access to Front Of The Line® Presale & Reserved Tickets with American Express® Experiences.
  • Purchase protection for 120 days for up to $1000.
  • Buyer’s assurance protection with up to one additional year of extended warranty.
  • 15% off parking rates, a complimentary valet service, and the ability to move through security faster at Toronto Pearson Airport.

Costs and Fees

  • Annual fee: $699
  • Additional card fee: $175
  • Late payment fee: up to 30%
  • Foreign transaction fee: 2.5%

FAQs about the
American Express Platinum Card

Is the American Express Platinum Card Right for Me?

If you travel frequently, you can benefit from the Platinum card’s lounge access, hotel elite status, and annual statement credits.

Who Qualifies for This Card?

To be eligible for the American Express Platinum Card, you must:

  • Be a Canadian resident
  • Be the age of majority in your province
  • Have a good to excellent credit score

How Many Points Can I Earn from My Purchases?

You can earn up to three points split as follows:

  • 3x points on dining and food delivery purchases, from restaurants to cafes
  • 2x points on travel, including eligible flights, hotels, and tours
  • 1x point on other purchases, from groceries to luxury items

When Does the Welcome Bonus Expire?

There isn’t a date set for the welcome bonus to expire. American Express can change the offer at any time without prior notice.

How Long Are My Points Valid?

The points you earn from eligible purchases will remain valid if you remain a Platinum cardholder.

When Must I Pay Off My Card Balance?

Since the American Express Platinum card is a charge card, you must pay off the balance in full each month. If you don’t pay off the balance in time, up to 30% annual interest applies.

What Is the Annual Fee and Income Requirement of the American Express Platinum Card?

The Amex Platinum® card has an annual fee of $699. There is no set income requirement, but you must at least earn $50,000 per year to sustain the annual fee.

Where Can I Use the American Express Platinum Card in Quebec Or Canada?

Grocery stores like Whole Foods, Metro, Safeway, and Super C accept the American Express Platinum Card. You can also use it at your favourite grocery stores like 7Eleven and gas stations like Shell and Petro-Canada.

American Express Platinum Card Details

American Express
Network Provider
American Express
Card Type
Rewards Type
Annual Fee
Purchase Interest Rate
Credit Needed
Good (660 - 724)

American Express Platinum Card Offices

Phone Number
Mon – Fri, 8:00 a.m. – 8:00 p.m. ET
2225 Sheppard Avenue East North York ON M2J 5C2 Canada
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American Express Platinum Card Card Details
  • Min. Credit :
    Good (660 - 724)
  • Card Type : Rewards
  • Reward Type : Points
  • Providers : American Express
  • Network Provider : American Express
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