American Express EssentialTM Credit Card vs Scotiabank Platinum American Express Card
| American Express EssentialTM Credit Card | Scotiabank Platinum American Express Card | |
|---|---|---|
| Issuer | American Express | Scotiabank |
| Network | American Express | American Express Platinum |
| Annual fee | No fee | $399 |
| Purchase APR | 12.99% | 9.99% |
| Cash advance APR | 12.99% | 9.99% |
| FX fee | — | 0% |
| Welcome (est. value) | — | ~$800 |
| Top earn rate | — | 3x Scene+ Travel hotels and car rentals |
| Lounge visits | — | 10 |
| Min. income | — | — |