Scotiabank Gold American Express Card vs Scotia Momentum Visa Card
| Scotiabank Gold American Express Card | Scotia Momentum Visa Card | |
|---|---|---|
| Issuer | Scotiabank | Scotiabank |
| Network | American Express | Visa |
| Annual fee | $120 | $49 |
| Purchase APR | 21.99% | 20.99% |
| Cash advance APR | 22.99% | 22.99% |
| FX fee | 0% | — |
| Welcome (est. value) | ~$450 | — |
| Top earn rate | 6x grocery (Sobeys/Empire banners) | 2% grocery and recurring bill payments |
| Lounge visits | — | — |
| Min. income | — | — |