Independent ClearFin review · American Express
Full earn rates, fees and benefits for the Amex Platinum Card.
Offers can change without notice
Certificate terms apply
💎 Ultra PremiumA premium travel and lifestyle card built around airport access, annual credits, hotel privileges, flexible points, and extensive insurance. Its high annual fee requires disciplined use of the included benefits. Its strongest published earn rate in our data is 2.0% on dining. The $799 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Product page and insurance certificateIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Applicants typically have the strongest approval odds with a good to excellent credit profile.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. American Express does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, and payment history.
Redemption values and availability may vary by option and can change.
Apply Membership Rewards points to eligible purchases at 1,000 points for a $10 statement credit.
Transfer eligible points to participating airline and hotel loyalty programs; ratios vary.
Use points for eligible travel, Fixed Points Travel, gift cards, merchandise, and participating checkout options.
Consider these extras by the value they add to purchases and experiences you already use.
$200 annual travel credit
Use the annual credit toward an eligible booking through American Express Travel Online or Platinum Card Travel Service.
$200 annual dining credit
Receive a statement credit after an eligible purchase of at least $200 at participating Canadian restaurants; registration and terms apply.
$100 NEXUS credit
Receive up to $100 in statement credits for an eligible NEXUS application or renewal fee every four years.
Global Lounge Collection
Access more than 1,550 participating airport lounges across 140 countries, subject to each lounge program's terms.
Fine Hotels + Resorts
Eligible bookings can include breakfast for two, a guaranteed 4 p.m. checkout, and other property benefits.
Hotel elite status
Enrollment can provide Marriott Bonvoy Gold Elite and Hilton Honors Gold status while eligibility is maintained.
7 coverages listed. Key terms are summarized below; full certificate terms apply.
Out-of-province/country emergency medical coverage for eligible travellers under age 65.
Coverage for eligible prepaid travel arrangements when a covered reason applies.
Included coverage for eligible delays after the certificate's waiting period.
Coverage applies to eligible travel losses when payment requirements are met.
Coverage for eligible rental vehicles, subject to vehicle, rental-length, and payment rules.
Up to $500,000 for an eligible common-carrier accident.
Eligible purchases receive short-term loss/damage protection and a possible warranty extension.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
A premium travel and lifestyle card built around airport access, annual credits, hotel privileges, flexible points, and extensive insurance. Its high annual fee requires disciplined use of the included benefits.
Dining, Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
Using the strongest estimated category return alone, roughly $39,950 in annual spending at that rate would equal the $799 fee before considering the value of insurance, partner benefits, or a welcome offer.
This card is most relevant for someone who spends consistently on dining and travel and can use enough of the included value to justify the yearly cost.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Card terms and the linked insurance certificate were checked against official issuer material.
