Credit Cards for Fair Credit

  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year
  • 30,000 points is enough for:
  • •  $300 in statement credits redeemed towards any eligible purchases charged to your Card or
    •  $225 in Amex Prepaid Cards
  • Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$10/month of Cardmembership ($120 annually)
  • Marriott Bonvoy™ Business American Express® Card
  • Earn up to 105,000 Marriott Bonvoy™ points. Offer ends August 3, 2021. Earn 65,000 Welcome Bonus Marriott Bonvoy™ points after you charge $5,000 in purchases to your Card in your first six months of Cardmembership. Plus, earn 5 points for every $1 in Card purchases on eligible Gas, Dining and Travel for the first six months of Cardmembership. Plus, you can earn an additional 15,000 points when you make a purchase after your 14 month Card anniversary date.
  • Receive an Annual Free Night Award automatically each year after your anniversary.
  • Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on your Card each year
  • Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
  • You can earn 3 points for every $1 in Card purchases on eligible gas, dining and travel
  • Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy properties. Earn 2 points for every $1 in purchases charged to the Card everywhere else
  • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
  • Redeem points for free nights with no blackout dates at over 7,000 of some of the world's most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world's leading airlines
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$150
  • Get 150 Bonus AIR MILES®* Reward Miles when you spend $1,000 within the first three months of Cardmembership
  • Earn 1 Mile for every $15 in Card purchases at AIR MILES®* Sponsors and 1 for every $20 in Card purchases everywhere else
  • Show your Collector Card and use your AIR MILES®* Gold Business Card at Sponsor locations to earn miles twice
  • Pay no annual fee. Plus, enjoy the flexibility to pay balances in full or over time
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$0
  • Earn a bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $5,000 in purchases to your Card within your first 3 months of Cardmembership
  • You can maximize your cash flow with up to 55 interest-free days and enjoy purchasing power that adjusts dynamically with Card usage
  • You can benefit from an exclusive 25% discount on business rewards when you redeem AIR MILES Reward Miles from your Dream balance for rewards from the AIR MILES For Business Rewards catalogue, an online catalogue designed especially with the small business owner in mind
  • Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partners* and 1 Mile for every $15 in Card purchases everywhere else
  • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
  • With the American Express® AIR MILES®* for Business Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history. That's the power of a charge card
  • As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid finance charges
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
N/A
Annual Fee
$180
  • Earn up to 75,000 Aeroplan®* Points:
  • New American Express® Aeroplan®* Cardmembers, earn 44,000 Aeroplan®* points after spending $3,000 in purchases within the first 6 months of Cardmembership
  • Plus, earn a total of 5X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership, up to a maximum of 25,000 points
  • Plus, you can also earn 1,000 Aeroplan points for each monthly billing period in which you spend $500 in purchases on your Card for the first six months of Cardmembership. That could add up to 6,000 Aeroplan®* points
  • Apply by August 3, 2021 to take advantage of this incredible offer
  • New Cardmembers: Earn up to $1,600 in value within your first year. Spend applies to bonus point offers valued at up to $1,500. Offers end Aug 3, 2021
  • Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
  • Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada*
  • Earn 1X the points on everything else*
  • Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
  • As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
  • American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
  • Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
  • 24/7 Customer Service and Emergency Card Replacement
  • As part of our commitment to sustainability, the American Express® Aeroplan®* Card has been made with 70% reclaimed plastic.
  • No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
See Rates & Fees
Annual Fee
$120
  • Earn up to 150,000 Aeroplan®* Points:
  • New American Express® Aeroplan®* Reserve Cardmembers can earn 70,000 Aeroplan®* points after spending $6,000 in purchases within the first 6 months of Cardmembership
  • Plus, earn a total of 10X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership, up to a maximum of 50,000 points
  • Plus, earn 5,000 Aeroplan®* points for each monthly billing period in which you spend $1,000 in purchases on your Card for the first 6 months of Cardmembership. That could add up to 30,000 Aeroplan®* points.
  • Apply by August 3, 2021 to take advantage of this incredible offer
  • New Cardmembers: Earn up to $3,800 in value within your first year. Spend applies to bonus point offers valued at up to $3,000. Offers end Aug 3, 2021
  • Advance your Aeroplan Elite™ Status with an American Express Aeroplan Reserve Card. Apply for an American Express Aeroplan Reserve Card by October 1, 2021 and spend at least $10,000 in qualifying net purchases by November 30, 2021 and you'll earn, step up, or jump start your Aeroplan Elite Status.
  • Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
  • Earn 2X the points on eligible Dining and Food Delivery purchases in Canada
  • Earn 1.25X the points on everything else
  • Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
  • Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
  • Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Cafes in North America, with a same day ticket on a departing Air Canada or Star Alliance flight
  • Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
  • Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
  • American Express® Experiences opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
  • Get more from your travel experience at Toronto Pearson International Airport with:
  • •  Access to Pearson Priority Security Lane
    •  Complimentary valet service at the Express Park and Daily Park
    •  15% discount on parking rates at the Express Park and Daily Park
    •  15% discount on Car Care Services
  • Get access to more than 1,200 Priority Pass airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
  • Insurance Coverage: whether you're shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of
  • American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal - it's the perfect companion on your next exceptional journey
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
Intro APR
N/A
Intro APR Period
N/A
Purchase APR
19.99%
Annual Fee
$599
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