Rewards program
Best Membership Rewards Credit Cards (July 2026)
American Express Membership Rewards cards — flexible points that transfer to Aeroplan and other partners. 7 cards ranked. Updated 2026-07-29.
The top Membership Rewards card right now is the The Platinum Card® from American Express, leading our ranking of 7 cards with a $799 annual fee and 21.99% purchase APR. Rankings are based on the Canada Cards Score, with every figure sourced from the official issuer page and refreshed 2026-07-29.
The Platinum Card®
Everyday rewards
Welcome value
~$2600
Earn up to 130,000 Membership Rewards points
- Annual fee
- $799
- Purchase APR
- 21.99%
American Express Business Gold Rewards Card
For business spending
Welcome value
~$1400
Earn up to 70,000 Membership Rewards points
- Annual fee
- $199
- Purchase APR
- —
American Express® Gold Rewards Card
Everyday rewards
Welcome value
~$1200
Earn up to 60,000 Membership Rewards points in your first year
- Annual fee
- $250
- Purchase APR
- 21.99%
Business Platinum Card from American Express
For business spending
Welcome value
~$1000
Earn up to 50,000 Membership Rewards points
- Annual fee
- $799
- Purchase APR
- —
The American Express® Cobalt® Card
Everyday rewards
Welcome value
~$300
Earn up to 15,000 Membership Rewards points in your first year
- Annual fee
- $191.88
- Purchase APR
- 21.99%
American Express Business Edge Card
For business spending
Welcome value
~$200
Earn a Welcome Bonus of 10,000 Membership Rewards points
- Annual fee
- —
- Purchase APR
- —
American Express® Green Card
No annual fee rewards
Welcome value
~$200
Earn 10,000 Membership Rewards points
- Annual fee
- No fee
- Purchase APR
- 21.99%
Frequently asked
- What is the best Membership Rewards credit card in Canada?
- Based on our ranking, the The Platinum Card® from American Express leads this program with a $799 annual fee. Rankings update daily and every figure is sourced from the official issuer page.
- How are these cards ranked?
- We rank by the Canada Cards Score, computed from everyday earn rate, welcome value, annual-fee value, benefits depth, and interest cost. Every figure is pulled from the official issuer page.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.
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