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Welcome offer
Up to 15,000 Membership Rewards® points
+$75 extra cash back paid by FinlyWealth when you apply through our link and are approved (offer ends Dec 30, 2026).
Year-one value: $153 — 15,000 Amex Membership Rewards × 1.8¢ = $270 + $75 extra cash back − $191.88 annual fee. How we count
Key facts
Pros
- Impressive optimization
- 1:1 Aeroplan point transfer
- Generous welcome bonus
- Flexible high value redemptions
- Comprehensive coverage
- Highly ranked
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Lacks valuable coverage categories
All American Express cards · Travel rewards cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
 Scotiabank | Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.Est. value $650 | +$150 cash back | $120 | 21.99% | 22.99% | 0% | Apply → |
 Scotiabank | — | +$150 cash back | $150 | 20.99% | 22.99% | 0% | Apply → |
 American Express | Earn up to 85,000 Aeroplan points.Est. value $1,140 | +$150 cash backuntil Dec 30, 2026 | $599 | 21.99% | 21.99% | 2.5% | Apply → |
| Earn up to $1,400 in value, including up to 160,000 TD Rewards Points and receive an Annual Fee rebate for the first year.Est. value $800 | +$50 cash back | $1391st year free | 21.99% | 22.99% | 2.5% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.