American Express Platinum cashback rate, cap and annual fee
American Express Platinum pays 3% at hotels and car rentals via American Express Travel, and 4 other rates. The card costs CAD 799 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
American Express · Canada · catalogue v107
Read from American Express's own published terms on 28 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| hotels and car rentals via American Express Traveltravel | 3.00% | —3 points per $1 (2 plus 1 bonus) on hotel and car rental bookings made through American Express Travel at americanexpress.ca/travel. |
| dining | 2.00% | —2 points per $1 at restaurants, quick service restaurants, coffee shops and drinking establishments in Canada, not including groceries. |
| food delivery in Canadaonline and delivery | 2.00% | —2 points per $1 on delivery of food in Canada where delivery is the merchant's primary business. |
| travel | 2.00% | —2 points per $1 on travel services and bookings: air, water, rail and road transport, lodging and tour operators; not local and commuter transportatio |
| everything else | 1.00% | —1 point per $1 on all other Card purchases. |
Questions people ask
What cashback does the American Express Platinum pay?
3% at hotels and car rentals via American Express Travel, and 4 other rates.
Is there a cap on the American Express Platinum?
No monthly cap is published on the rates shown here.
What is the annual fee on the American Express Platinum?
CAD 799 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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