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Key facts
Annual fee$120
Purchase rate21.99%
Cash advance rate21.99%
Foreign transaction fee2.5%
Rewards2x - 5x points
NetworkAmerican Express
Card typeCredit card
Credit score neededGood
Pros
- High hotel optimization
- Annual free night certificate
- Automatic Silver Elite status
- Generous welcome bonus
- Instant decision. No credit impact.
Cons
- Low acceptance
- Relatively weaker insurance
All American Express cards · Travel rewards cards · Hotel 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 → |
 American Express | Up to 15,000 Membership Rewards® pointsEst. value $285 | +$75 cash backuntil Dec 30, 2026 | $191.88 | 21.99% | 21.99% | 2.5% | 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 → |
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.