{"id":144365,"date":"2026-03-04T08:55:00","date_gmt":"2026-03-04T13:55:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/comparison-amex-cobalt-or-scotia\/"},"modified":"2026-05-09T08:32:36","modified_gmt":"2026-05-09T08:32:36","slug":"comparison-amex-cobalt-or-scotia","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-amex-cobalt-or-scotia\/","title":{"rendered":"Head-to-Head: Scotiabank Gold American Express<sup>&reg;<\/sup> Card vs. American Express Cobalt<sup>&reg;<\/sup> Card"},"content":{"rendered":"\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/american-express-canada\/\">American Express Canada<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/scotiabank\/\">Scotiabank<\/a> each offer an <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/amex\/\">American Express<\/a> credit card that earns up to <strong>5 points per dollar<\/strong> on specific purchase categories:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Let&#8217;s look at the big differences between these credit cards in regards to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#devises\">using the card abroad<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are differences to be aware of between the two credit cards.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Gold Card<\/a>, you can earn up to 45,000 Scene+ points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>25,000 points after <span class=\"nowrap\">$2,000<\/span> in purchases within the first three months<\/li>\n\n\n\n<li>20,000 points after <span class=\"nowrap\">$7,500<\/span> in purchases in the first year<\/li>\n<\/ul><\/div>\n\n\n\n<p>This has a <strong>$450<\/strong> value.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>When you subscribe to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 15,000 points<\/strong><strong>:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>1,250 points per month for the first 12 months (monthly expenses of $750 or more)<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotiabank-gold-american-express\">Advantage: Scotiabank Gold American Express<\/h5>\n\n\n\n<p>To obtain the full welcome bonus from the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>welcome bonus, you need to spend $9,000 in the first year ($750 per month over 12 months) to earn <span class=\"nowrap\">15,000<\/span> points. This has a <span class=\"nowrap\">$150<\/span> value.<\/p>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express Card<\/a>, you receive the first part of the welcome bonus of <span class=\"nowrap\">25,000<\/span> points after spending only $2,000 in purchases within three months. This is a <span class=\"nowrap\">$250 value<\/span>.<\/p>\n\n\n\n<p>Then, however, you&#8217;ll also need to spend <span class=\"nowrap\">$7,500<\/span> within the year to earn an additional <span class=\"nowrap\">20,000<\/span> points.<\/p>\n\n\n\n<p>The welcome bonus from <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> welcome bonus requires spending $750 every month for 12 months. With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you get more value, more easily.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> requires a minimum income of $12,000.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income, unlike the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> (although the $12,000 per annum requirement is still attainable for many).<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> has an annual fee of $120. It&#8217;s charged on the first statement, and at the time of renewal.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>For residents outside Quebec, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has a monthly fee of $15.99 per month (for a total of $191.88). For residents in Quebec, it is $191.88 per year.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotiabank-gold-american-express\">Advantage: Scotiabank Gold American Express<\/h5>\n\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> annual fee is lower than the Scotiabank Gold American Express<sup>&reg;<\/sup> Card annual fee. <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-points\">Earning Points<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Card Gold<\/a> each offer 3 levels of point accumulation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-maximum-earning-level\">Maximum Earning Level<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>5<\/strong> <strong>Scene+ points<\/strong> per dollar spent:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Food delivery<\/li>\n\n\n\n<li>restaurants, bars<\/li>\n\n\n\n<li>Entertainment venues<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can earn <strong>5 points<\/strong> per dollar in purchases for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Groceries<\/li>\n\n\n\n<li>Food delivery<\/li>\n\n\n\n<li>restaurants, bars<\/li>\n\n\n\n<li>Convenience stores<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>It&#8217;s hard to tell the difference between the two cards in<strong> the 5 points per dollar category<\/strong>. Only one type of business is different: convenience stores for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>and entertainment venues for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>Don&#8217;t forget the possibility of purchasing gift cards at Couche-Tard convenience stores with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> You could earn <strong>5 points per dollar<\/strong>, even on Walmart gift cards!<\/p>\n\n\n\n<p>If you choose the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you&#8217;ll earn <strong>6 points per dollar spent<\/strong> at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 by IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n\n\n\n<p>Some will spend more in one category than another. It&#8217;s up to you to choose the most appropriate one, especially for your foreign currency purchases, as you&#8217;ll see below.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-intermediate-earning-level\">Intermediate Earning Level<\/h3>\n\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Card Gold<\/a>, you can earn <strong>between 2 and 3 points per dollar spent<\/strong> in specific merchant categories.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>3 points for every $1 in purchases at:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>local transport<\/li>\n\n\n\n<li>Gas stations<\/li>\n\n\n\n<li>Streaming services<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>you can earn <strong>2 points for every dollar you spend at&nbsp;:<\/strong><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>local transport<\/li>\n\n\n\n<li>Gas stations<\/li>\n<\/ul><\/div>\n\n\n\n<p>And <strong>3 points per dollar <\/strong> on streaming services purchases.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotiabank-gold-american-express\">Advantage: Scotiabank Gold American Express<\/h5>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Gold Card<\/a>, you earn 1 point more per dollar spent than the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>. This is especially true in recurring categories such as gas stations and transportation.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-basic-earning-level\">Basic Earning Level<\/h3>\n\n\n\n<p>Outside these accelerated purchase categories, you earn 1 point per dollar spent on both the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-foreign-currency-purchases\">Foreign currency purchases<\/h3>\n\n\n\n<p>Unlike the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, the<a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup><\/a> Card, there are no foreign currency conversion fees.<\/p>\n\n\n\n<p>This is a <strong>saving of 2.5% on each transaction made<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotiabank-gold-american-express\">Advantage: Scotiabank Gold American Express<\/h5>\n\n\n\n<p>Each of these two cards offers only <strong>1 point per dollar on purchases made in foreign currencies<\/strong>.<\/p>\n\n\n\n<p>However, the absence of conversion fees for foreign currency purchases makes the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> the winner.<\/p>\n\n<\/div><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207463\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>Both cards offer <strong>travel points<\/strong>.<\/p>\n\n\n\n<p>However, their loyalty programs are completely different:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/sceneplus\/\">Scene+<\/a> for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> for <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>This means that the ways you can redeem your points are different.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-travel\">For Travel<\/h3>\n\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can redeem your points for travel purchased on the card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Flights<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/hotels\/\">Hotels<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb rentals<\/a><\/li>\n\n\n\n<li>Cruises<\/li>\n\n\n\n<li>And more!<\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can use Scene+ points on travel purchases.<\/p>\n\n\n\n<p>The usage rate is 1,000 points = $10.<\/p>\n\n\n\n<p><strong>A minimum of 5,000 points<\/strong> (i.e. a minimum of $50) is required, thereafter in increments of 1 cent \/ 1 point.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>\u00c0 la carte Travel, you can apply Membership Rewards points to travel purchases charged to the card.<\/p>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p><strong>A minimum of 1,000 points<\/strong> (i.e. a minimum of $10) is required, and thereafter in increments of 1 cent \/ 1 point.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> wins this duel because it allows points to be used for travel purchases with a minimum of $10, compared with $50 for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>This allows for more flexibility.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-for-everyday-shopping\">For Everyday Shopping<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can use Scene+ points on everyday purchases.<\/p>\n\n\n\n<p>Redeem your points in 1,000-point increments for $10 off your next hotel night or car rental when you book with Scene+ Travel. Alternatively, you can obtain a Statement credit by using the &#8220;Redeem points for credit&#8221; option.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can apply Membership Rewards points to everyday purchases charged to the card.<\/p>\n\n\n\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n\n\n\n<p><strong>A minimum of 1,000 points<\/strong> (minimum $10) must be applied.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-it-s-a-tie\">It&#039;s a tie&nbsp;!<\/h5>\n\n\n\n<p>For both the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, the use of points for everyday purchases is identical.<\/p>\n\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-transfers-to-other-programs\">Transfers to Other Programs<\/h3>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, Scene+ points remains part of the program. Therefore, they cannot be transferred.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can use its points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">to save on flights via the American Express fixed price schedule<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">for points transfers to partners<\/a>: Aeroplan British Airways Executive Club, Air France KLM Flying Blue, Delta SkyMiles, Etihad Guest, Asia Miles, Marriott Bonvoy and Hilton Honors<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-american-express-cobalt-card\">Advantage: American Express Cobalt Card<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> wins this duel.<\/p>\n\n\n\n<p>Using Membership Rewards points against certain flights <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">can double their value<\/a>, and what about <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/cobalt-card-best-card-canada\/#Le_transfert_des_points-privileges_vers_Marriott_Bonvoy\">transferring points to hotel programs<\/a> such as <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, which allows you to accumulate more points <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/save-money-hotels\/\">for free hotel nights<\/a>! Or to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/new-offer-american-express-cobalt\/\">airline partners<\/a> such as Aeroplan or Flying Blue.<\/p>\n\n\n\n<p>Whereas with the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you cannot transfer your points.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/12\/scotiabank-gold-american-express-card.png\" alt=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card - scotiabank gold american express card\" class=\"wp-image-185856\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can benefit from these insurances:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Travel Accident Insurance<\/li>\n\n\n\n<li>Flight Delay Insurance<\/li>\n\n\n\n<li>Delayed Baggage Insurance<\/li>\n\n\n\n<li>Loss \/ theft of luggage insurance<\/li>\n\n\n\n<li>Trip Cancellation Insurance<\/li>\n\n\n\n<li>Trip Interruption Insurance<\/li>\n\n\n\n<li>Medical insurance up to the age of 64<\/li>\n\n\n\n<li>Medical insurance over 65<\/li>\n\n\n\n<li>Car Rental Theft and Damage Insurance<\/li>\n\n\n\n<li>Hotel\/motel burglary insurance<\/li>\n\n\n\n<li>Purchase warranty: 90 days<\/li>\n\n\n\n<li>Extended warranty: 1 year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/08\/cobalt-card-1.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - cobalt card\" class=\"wp-image-162054\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can benefit from these insurances:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Travel Accident Insurance<\/li>\n\n\n\n<li>Flight Delay Insurance<\/li>\n\n\n\n<li>Delayed Baggage Insurance<\/li>\n\n\n\n<li>Loss \/ theft of luggage insurance<\/li>\n\n\n\n<li>Medical insurance up to the age of 64<\/li>\n\n\n\n<li>Car Rental Theft and Damage Insurance<\/li>\n\n\n\n<li>Hotel\/motel burglary insurance<\/li>\n\n\n\n<li>Purchase warranty: 90 days<\/li>\n\n\n\n<li>Extended warranty: 1 year<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-top:1em;padding-right:1.5em;padding-bottom:1em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotiabank-gold-american-express\">Advantage: Scotiabank Gold American Express<\/h5>\n\n\n\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you benefit from additional or more generous coverage than with the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n\n\n<p>What&#8217;s more, it requires 75% of travel purchases to be charged to the card, whereas the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> requires the entire trip to have been charged to it.<\/p>\n\n\n\n<p>If you want a card that covers your travels, even when a tiny fraction of them have been charged to it, you should read this article: <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">The Best Credit Cards for Travel Insurance with Rewards Points<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So? Which Card is the winner?<\/p>\n\n\n\n<p>It&#8217;s hard to declare an official winner. In short, the American Express Cobalt<sup>&reg;<\/sup> Card is excellent for everyday purchases. While the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> is excellent for travel.<\/p>\n\n\n\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> stands out from the crowd:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Robust travel insurance;<\/li>\n\n\n\n<li>A more generous welcome offer;<\/li>\n\n\n\n<li><strong>No foreign currency conversion charges<\/strong>;<\/li>\n\n\n\n<li>Its unbeatable 6 points per dollar spent at IGA and other Sobeys-branded supermarkets;<\/li>\n\n\n\n<li>Its 5 points per dollar spent in other grocery stores and restaurants.<\/li>\n<\/ul><\/div>\n\n\n\n<p>But the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> stands out on:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The flexible use of its points;<\/li>\n\n\n\n<li>The absence of a minimum income requirement;<\/li>\n\n\n\n<li>Its 5 points per dollar spent in grocery stores and restaurants.<\/li>\n<\/ul><\/div>\n\n\n\n<p>If you&#8217;ve already got one of these cards, you could try the other! And even if you currently own one of them, <strong>getting the other will allow you to diversify your points portfolio<\/strong>!<\/p>\n\n\n\n<p>These are 2 cards that we recommend in many of our rankings:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/amex\/\">Best American Express Credit cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/travel\/\">The Best Travel Credit Cards<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/grocery\/\">The Best Credit Cards For Groceries<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/restaurants\/\">The Best Restaurant Credit Cards<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086,470736\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-scotia-gold-vs-cobalt\">Frequently Asked Questions about the Scotiabank Gold American Express vs American Express Cobalt comparison<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about this card.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"scotiabank_gold_american_express_or_american_express_cobalt_which_one_earns_more_on_groceries_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tScotiabank Gold American Express or American Express Cobalt \u2014 which one earns more on groceries?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both the <a target=\"_blank\" href=\"\/?p=21847\">Scotiabank Gold American Express<\/a> and the <a target=\"_blank\" href=\"\/?p=11843\">American Express Cobalt<\/a> earn 5x on groceries, dining and food delivery, but the structure differs. The Scotiabank Gold&#8217;s 5x cap is generous (no monthly cap up to $50,000 per year on combined bonus categories), while the Cobalt caps at $30,000 per year of bonus spending. For households spending $1,000+ per month on food, the Scotiabank Gold pulls slightly ahead. The Cobalt counter-attacks by including convenience stores in the 5x category, plus 3x on streaming and 2x on transit \u2014 a wider net for urban spenders who lean heavily on Spotify, Netflix, Uber and grab-and-go shops.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_the_welcome_bonuses_compare_in_real-dollar_terms_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do the welcome bonuses compare in real-dollar terms?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The headline numbers favour the <a target=\"_blank\" href=\"\/?p=21847\">Scotiabank Gold American Express<\/a> \u2014 up to 45,000 Scene+ points (~$450 travel value), structured as 25,000 points after $2,000 spend in 3 months, plus 20,000 points after $7,500 in the first year. The <a target=\"_blank\" href=\"\/?p=11843\">American Express Cobalt<\/a> offers up to 15,000 Membership Rewards points (~$150 statement credit, up to $300 in fixed-points travel), spread across 12 months at $750\/month minimum. The Cobalt&#8217;s bonus is smaller but easier to hit incrementally; the Scotiabank Gold&#8217;s is larger but front-loaded. For a quick first-year payoff, Scotiabank Gold wins; for slow-and-steady earners, Cobalt is more achievable.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_foreign_exchange_fee_difference_between_these_two_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the foreign exchange fee difference between these two cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>This is one of the biggest practical differences and often the deciding factor for travellers. The <a target=\"_blank\" href=\"\/?p=21847\">Scotiabank Gold American Express<\/a> charges no foreign currency conversion fee \u2014 a rare feature in Canada that saves you 2.5% on every USD or international purchase. The <a target=\"_blank\" href=\"\/?p=11843\">American Express Cobalt<\/a> charges the standard 2.5% fee on top of the network exchange rate. On $5,000 of overseas spending, that&#8217;s a $125 difference straight to your pocket with the Scotiabank Gold. If you travel internationally even once a year or shop on U.S. websites regularly, the Scotiabank Gold&#8217;s fee structure makes it the clear winner abroad.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_have_both_the_cobalt_and_the_scotiabank_gold_simultaneously_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I have both the Cobalt and the Scotiabank Gold simultaneously?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Absolutely \u2014 and many Milesopedia readers do exactly that to maximize earn. The <a target=\"_blank\" href=\"\/?p=11843\">American Express Cobalt<\/a> earns Membership Rewards (transferable to Aeroplan, Marriott Bonvoy, British Airways, Flying Blue) while the <a target=\"_blank\" href=\"\/?p=21847\">Scotiabank Gold American Express<\/a> earns Scene+ points (best for travel statement credits and Scotiabank&#8217;s travel portal). Use the Cobalt for everyday food and convenience purchases at 5x, and the Scotiabank Gold for international travel (no FX fees) and entertainment venues at 5x. Combined annual fees come to around $276, but both products typically pay for themselves on welcome bonuses alone in year one.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of the Scotiabank Gold American Express\u00ae Card and American Express Cobalt\u00ae Card.<\/p>","protected":false},"author":127,"featured_media":349081,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-144365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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