Scotiabank Gold American Express Card vs Scotiabank Platinum American Express Card
| Scotiabank Gold American Express Card | Scotiabank Platinum American Express Card | |
|---|---|---|
| Issuer | Scotiabank | Scotiabank |
| Network | American Express | American Express Platinum |
| Annual fee | $120 | $399 |
| Purchase APR | 21.99% | 9.99% |
| Cash advance APR | 22.99% | 9.99% |
| FX fee | 0% | 0% |
| Welcome (est. value) | ~$450 | ~$800 |
| Top earn rate | 6x grocery (Sobeys/Empire banners) | 3x Scene+ Travel hotels and car rentals |
| Lounge visits | — | 10 |
| Min. income | — | — |