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The Platinum Card®
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American ExpressCanada

The Platinum Card®

Annual Fee
CA$799/ year

Canada's premium travel card with comprehensive global lounge network and valuable annual credits.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • Welcome Bonus: Up to 100,000 MR Points (70k first 3 months + 30k at month 15-17)
  • Unlimited Global Lounge Collection Access (Centurion, Priority Pass, Plaza Premium, Maple Leaf)
  • $200 Annual Travel Credit + $200 Annual Dining Credit
  • Marriott & Hilton Gold Status

The Bad

  • High annual fee ($799 CAD)
  • Due in full or 21.99% on flexible option
  • FX fees apply (2.5%)
  • Lounge access changing to spend-based model from January 2027

Lounge Access

4 lounge networks included

Guest Policy

2 guests at Centurion Lounges

Purchase APR

30% (Due in Full) / 21.99% (Flexible)

Credit Score

Very Good (725+)

Is the annual fee worth it for you?

Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real CA$799 annual fee. This counts lounge value only, not credits, points, or other perks.

040+

Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.

Estimated lounge value
CA$520/yr
Annual fee
CA$799/yr
Net for your usage
-CA$279

At CA$65 per visit, you cover the fee at about 13 visits per year. This card opens 367 lounges we track.

Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.

Limited Time Offer

Up to 100,000 Membership Rewards® Points

Offer Terms & Eligibility:

Earn 70,000 points when you spend $10,000 in the first 3 months. Plus 30,000 bonus points when you make a purchase between months 15 and 17.

Lounge Networks

4 Included
Centurion Lounge
Included
Priority Pass
Included
Plaza Premium
Included
Maple Leaf Lounge
Included

Additional Travel Perks

$200 CAD Annual Travel Credit
$200 CAD Annual Dining Credit
$100 CAD NEXUS Card Statement Credit (every 4 years)
Unlimited Global Lounge Collection Access (unlimited in 2026; spend-based from 2027)
Fine Hotels + Resorts benefits
Marriott Bonvoy Gold & Hilton Honors Gold Status

Lounges The Platinum Card® Opens

367 lounges tracked across 177 airports, derived from this card's network coverage.

View all 367 lounges

Showing top 12 airports by lounge count. 165 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

Popular Airports With Lounges

Centurion Lounge and Priority Pass lounges are available at hundreds of airports worldwide

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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