Eligible eats and drinks in Canada, including restaurants, groceries and food delivery (annual cap applies)
Issuer's current offer
Earn up to 15,000 Membership Rewards points in your first year
Earn 1,250 points in each eligible monthly billing period when you spend C$750 on your Card. Up to 12 eligible months; current or former cardholders may be excluded.
◷ Offer subject to change; check issuer
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Eligible streaming subscriptions in Canada
Eligible gas, transit and rideshare in Canada
Other eligible purchases
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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Eligible travel coverage including emergency medical for travellers under 65, subject to certificates
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Purchase protection, extended warranty and eligible mobile-device insurance
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American Express Front Of The Line access and eligible Amex Offers
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Membership Rewards points can be redeemed for purchases or transferred to eligible travel partners
Who this card feels right for
A fit for everyday earners
If you spend heavily on groceries, restaurants or food delivery, this card can feel rewarding fast. It tends to fit people who want strong points on daily life — not just on occasional trips.
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People who spend consistently on groceries, restaurants or dining and pay balances in full.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- Excellent food-spending earn rate if you use eligible Canadian merchants
- Flexible Membership Rewards redemption and transfer options
- Broad insurance benefits relative to many everyday reward cards
What to consider
- Monthly fee adds up to C$191.88 per year outside Quebec
- American Express is not accepted at every merchant
- Foreign currency purchases incur a 2.5% conversion commission
- Category spend caps and insurance exclusions apply
Good fit
People who spend consistently on groceries, restaurants or dining and pay balances in full.
Consider another card if…
People seeking a no-fee credit card or who shop mainly where Amex is not accepted.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$15.99/month
Purchase interest rate21.99%
Cash advances21.99%
Foreign currency fee2.5%
Additional cardholders$0
Income / eligibility noteNo published minimum; Canadian resident with a Canadian credit file and age of majority
Issuer / networkAmerican Express · American Express
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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Be a Canadian resident with a Canadian credit file
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Be the age of majority in your province or territory
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Approval depends on the issuer’s credit assessment
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official American Express page.
03Submit your application directly with the issuer.
Frequently asked questions
How much is the annual fee?
C$15.99 monthly for non-Quebec residents, equal to C$191.88 over 12 months. In Quebec the fee is charged annually at C$191.88.
Does the 5× rate apply everywhere?
No. It applies to eligible Canadian eats-and-drinks purchases and is subject to merchant classification and a spending cap.
Will I pay foreign transaction fees?
Yes, the issuer states a 2.5% foreign-currency conversion commission.
Can I use these points for travel?
Yes. Eligible redemptions include travel purchases and transfers to certain rewards partners; value varies by redemption.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official American Express product page. Last editorial check: 2026-11-09.