Scotiabank American Express Card vs Scotiabank Gold American Express Card
| Scotiabank American Express Card | Scotiabank Gold American Express Card | |
|---|---|---|
| Issuer | Scotiabank | Scotiabank |
| Network | American Express | American Express |
| Annual fee | No fee | $120 |
| Purchase APR | 21.99% | 21.99% |
| Cash advance APR | 22.99% | 22.99% |
| FX fee | — | 0% |
| Welcome (est. value) | ~$25 | ~$450 |
| Top earn rate | 3x gas, daily transit, grocery, dining, entertainment | 6x grocery (Sobeys/Empire banners) |
| Lounge visits | — | — |
| Min. income | — | — |