Best if:

• You spend on food, drinks, groceries, and transit
• You want flexible Membership Rewards points
• You value strong everyday earning

Consider another card if:

• You want premium travel perks and lounge access
• Amex is not accepted where you do your primary grocery shopping (Costco, Loblaws)
• You prefer cash back instead of points

Best if:

• You want flexible Membership Rewards points
• You spend regularly on travel, gas, groceries, or drugstores
• You want a travel card below the premium fee tier

Consider another card if:

• You want the strongest everyday earning on food and drinks
• You want premium lounge access and luxury travel benefits
• You prefer cash back instead of points

Best if:

• You travel often and value airport lounge access
• You can use the annual credits and premium travel perks
• You want flexible Membership Rewards points

Consider another card if:

• You want a lower annual fee
• You care more about everyday grocery and dining earn rates
• You will not use the travel credits or lounge benefits

Best if:

• You fly Air Canada regularly
• You value lounge access and priority airport benefits
• You want to earn Aeroplan points directly

Consider another card if:

• You want flexible Membership Rewards points
• You do not fly Air Canada often enough to use the travel perks
• You prefer a lower-fee Aeroplan card

Best if:

• You stay with Marriott at least occasionally
• You value the annual Free Night Award
• You want hotel points instead of flexible travel points

Consider another card if:

• You want points that transfer to multiple airline programs
• You rarely stay at Marriott properties
• You prefer everyday earning over hotel-specific perks

Best if:

• You want Membership Rewards points with no annual fee
• You want a simple Amex card for occasional use
• You are new to Amex and want a low-commitment starting point

Consider another card if:

• You want stronger earn rates on groceries, dining, or travel
• You want premium travel benefits
• You prefer cash back instead of points

Best if:

• You want cash back instead of points
• You spend regularly on gas and groceries
• You prefer simple rewards with fewer redemption decisions

Consider another card if:

• You want flexible travel points
• Your main spending is at merchants that do not accept Amex
• You want a no-fee cash back card

Best if:

• You want flexible Membership Rewards for business spending
• You prefer a lower-fee business card than Business Platinum
• You want a practical card for everyday business expenses

Consider another card if:

• You want premium lounge access and business travel perks
• You want cash back instead of points
• You do not need a separate business rewards card