{"id":396944,"date":"2026-01-02T04:35:00","date_gmt":"2026-01-02T09:35:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=396944"},"modified":"2026-05-09T08:34:22","modified_gmt":"2026-05-09T08:34:22","slug":"comparison-card-gold-american-express-vs-card-american-express-gold-scotia","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\/","title":{"rendered":"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express<sup>&reg;<\/sup> Card"},"content":{"rendered":"\n<p>Scotiabank and American Express offer 2 gold credit cards: one from Scotia in collaboration with American Express, the other directly from American Express.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a><\/li>\n\n\n\n<li><a target=\"_blank\" title=\"Scotiabank Gold American Express Card\" href=\"\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>They have almost the same name, but different characteristics. Let&#8217;s see which one is the best!<\/p>\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=\"22640,22620\"\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>We will base our analysis on the major differences between these credit cards regarding:<\/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=\"#accumulation\">Earning Points<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n\n\n\n<li><a href=\"#avantages\">Benefits<\/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 some important differences between the two!<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>With this welcome offer for the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>MD<\/sup> Gold Rewards Card,<\/a> you can earn up to <span class=\"nowrap\">60,000<\/span> Membership Rewards points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>5,000 Membership Rewards points for each monthly statement period in which you charge $1,000 in net purchases to your card (12 months X 5,000 points), for a total of <strong>60,000 Membership Rewards points<\/strong>.<\/li>\n<\/ul><\/div>\n\n\n\n<p>This is worth up to $600.<\/p>\n\n\n\n<p>What&#8217;s more, when you apply, you have the choice of requesting this card in &#8220;gold&#8221; or &#8220;rose gold&#8221;.<\/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\/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<\/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'\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--s 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=\"196879,470736\"\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><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<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-gold-rewards-card\">Advantage: American Express Gold Rewards Card<\/h5>\n\n\n\n<p>In terms of value, it&#8217;s worth taking the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>MD<\/sup> Gold Rewards Card<\/a> to earn Membership Rewards points worth up to $600.<\/p>\n\n\n\n<p>For less effort, with $7,500 in spending over 12 months, you will get $450 in value with the <a target=\"_blank\" title=\"Scotiabank Gold American Express Card\" href=\"\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank American Express Gold Card<\/a>.<\/p>\n\n\n\n<p>It all depends on whether you want to maintain a constant level of purchases over the course of a year in order to earn more points, or whether you want to earn fewer points faster.<\/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 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> and the Scotiabank American Express<sup>&reg;<\/sup> Card each offer different levels of point accumulation. <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> each offer different levels of point accumulation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-earnings-levels\">Earnings Levels<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>With American Express<sup>&reg;<\/sup> Gold Rewards Card, you get&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>2 Membership Rewards points per dollar<\/strong> (i.e. 2%) on travel purchases<\/li>\n\n\n\n<li><strong>2 Membership Rewards points per dollar<\/strong> (i.e. 2%) on gas, grocery and drugstore purchases<\/li>\n\n\n\n<li><strong>1 privilege point per dollar<\/strong> (i.e. 1%) for the remainder<\/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\/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 Scotiabank Gold American Express<sup>&reg;<\/sup> Card, you earn <strong>6 Scene+ points per dollar<\/strong> (or 6%) on purchases at:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>IGA<\/li>\n\n\n\n<li>Rachelle B\u00e9ry<\/li>\n\n\n\n<li>Les March\u00e9s Tradition<\/li>\n\n\n\n<li>Voi\u00e0 by IGA \/ Safeway \/ Sobeys<\/li>\n\n\n\n<li>Sobeys and Safeway<\/li>\n\n\n\n<li>Foodland and Thrifty Foods<\/li>\n\n\n\n<li>FreshCo and Chalo! FreshCo<\/li>\n<\/ul><\/div>\n\n\n\n<p>Then you earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>5 points<\/strong> <strong>Scene+<\/strong> \/ $1 in purchases (5%) for groceries, home food delivery, restaurants, bars and entertainment venues;<\/li>\n\n\n\n<li><strong>3 Scene+ points <\/strong>\/ $1 purchases (3%) at local transportation, gas stations and streaming services;<\/li>\n\n\n\n<li><strong>1 Scene+ point<\/strong> (1%) for the remainder.<\/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-card\">Advantage: Scotiabank Gold American Express Card<\/h5>\n\n\n\n<p>The <strong>Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/strong> is simply the best of the two.<\/p>\n\n\n\n<p>It stands out for its value received when used to pay in Empire Group grocery stores (IGA, Sobeys, Foodland, etc.) with its <strong>6 points<\/strong> per dollar of purchase. And it&#8217;s the best accumulation of points in a grocery store, among all the credit cards in Canada!<\/p>\n\n\n\n<p>Otherwise, its <strong>5 points\/$1<\/strong> in other grocery stores and dinning venues making it in one of the best cards for food-related spending.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-points\">Redeeming Points<\/h2>\n\n\n\n<p>The two cards are linked to different programs and are not used in the same way.<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>Membership Rewards points and travel&nbsp;:<\/p>\n\n\n\n<p>You can apply them to travel purchases in three ways, thanks to the redemption rate where <strong>1,000 points = $10 credit<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Redeem points directly when booking travel on the American Express Travel Services portal;<\/li>\n\n\n\n<li>Make your own travel arrangements and use your points to pay off the card balance.<\/li>\n<\/ul><\/div>\n\n\n\n<p>And the third is to transfer them to other partners (Aeroplan, Marriott Bonvoy, Flying Blue, Hilton Honors, etc) to obtain more value. The number of points to be transferred varies according to the partner.<\/p>\n\n\n\n<p>Also, Membership Rewards points can be applied to everyday purchases of all kinds, with 1,000 Membership Rewards points for a $10 refund on the card balance.<\/p>\n\n\n\n<p>Points can also be used to purchase merchandise and gift cards on the American Express website.<\/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\/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>Scene+ points and travel:<\/p>\n\n\n\n<p>You can apply them to travel purchases in two ways, thanks to the <strong>fixed<\/strong> redemption rate where <strong>10,000 points = $100 credit<\/strong>:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.<\/li>\n\n\n\n<li>Make your own travel arrangements and use your points to pay off the balance on the card<\/li>\n<\/ul><\/div>\n\n\n\n<p>It also lets you apply your points to everyday purchases.<\/p>\n\n\n\n<p>You can redeem <strong>1,000 Scene+ points for a $10 discount<\/strong> at the IGA\/Sobeys checkout.<\/p>\n\n\n\n<p>Points can also be used to purchase gift cards on the Scotiabank\/Scene+ website, from 1,000 to 1,400 points for a $10 discount.<\/p>\n\n\n\n<p>Scene+ points can also be redeemed for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>500 points for a $5 discount at selected restaurants (Harvey&#8217;s, Swiss Chalet, etc.);<\/li>\n\n\n\n<li>100 points for $1 off movie tickets at Cineplex;<\/li>\n\n\n\n<li>500 points for $5 off food and beverages at Cineplex, Rec Room and tokens for Playdium&nbsp;;<\/li>\n\n\n\n<li>At least 3,000 points for a Statement credit of between $6.67 and $8 on any card expense.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/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='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"248186,0\"\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<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-gold-rewards-card\">Advantage: American Express Gold Rewards Card<\/h5>\n\n\n\n<p>Whatever you want to do, Privilege Points are extremely flexible and can be used in any way you like. These are the best points to hold for any situation.<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> has an annual fee of $250.<\/p>\n\n\n\n<p>If used properly, the $100 annual travel credit allows you to book this annual expense at $150 net.<\/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\/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\n\n<p>However, for a limited time, <strong>the first year is free<\/strong>!<\/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-card\">Advantage: Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/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> has a lower annual fee.<\/p>\n\n\n\n<p>What&#8217;s more, for a limited time, the first year is free, unlike American Express<sup>&reg;<\/sup> Gold Rewards Card.<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> simply asks&#8230; $0 individual income.<\/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\/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<\/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-gold-rewards-card\">Advantage: American Express Gold Rewards Card<\/h5>\n\n\n\n<p>It&#8217;s easy! American Express<sup>&reg;<\/sup> Gold Rewards Card has no minimum income requirements.<\/p>\n\n\n\n<p>Even the level for the Scotiabank Gold American Express<sup>&reg;<\/sup> Card is quite low.<\/p>\n\n\n\n<p>This is typical of American Express cards, which are not demanding in this aspect.<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>The <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card<\/a> offers a range of insurance products. The <a href=\"https:\/\/www.americanexpress.com\/content\/dam\/amex\/fr-ca\/assurance\/pdfs\/certificats-d-assurance\/Gold-Rewards-Card-COI-FR.pdf\" target=\"_blank\" rel=\"noopener\">certificate of insurance can be found here<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 48px;\"><td>Global Travel Medical Emergency Insurance<\/td><td><strong>5,000,000<\/strong> and 15 days (age 64 and under)<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage delay or loss insurance<\/td><td>Up to $500 per trip<\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>Up to $500 per person<\/td><\/tr><tr style=\"height: 48px;\"><td>Trip cancellation, interruption and delay insurance<\/td><td>Up to $1,500 for each coverage<\/td><\/tr><tr style=\"height: 24px;\"><td>Vehicle rental insurance<\/td><td>Up to 48 days, maximum <strong>$85,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel\/motel theft insurance<\/td><td>up to $500<\/td><\/tr><tr><td>Public transport accident insurance<\/td><td>Up to $500,000 per person<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase insurance<\/td><td>90 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Mobile device insurance<\/td><td>&#8212;<\/td><\/tr><tr style=\"height: 24px;\"><td>Extended warranty insurance<\/td><td>Doubles warranty up to an additional year<\/td><\/tr><\/tbody><\/table><\/figure><\/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\/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> offers various types of insurance, and you can find its <a href=\"https:\/\/www.scotiabank.com\/content\/dam\/scotiabank\/canada\/fr\/documents\/SCOTIABANK-GOLD-Amex-Fre-Ekit.pdf\" target=\"_blank\" rel=\"noopener\">certificate of insurance here<\/a>:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 48px;\"><td>Global Travel Medical Emergency Insurance<\/td><td>1,000,000, age 64 and under, for 25 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage delay or loss insurance<\/td><td>up to <strong>$1,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>up to $500<\/td><\/tr><tr style=\"height: 96px;\"><td>Trip cancellation, interruption and delay insurance<\/td><td>Up to $1,500 for each coverage<\/td><\/tr><tr style=\"height: 24px;\"><td>Vehicle rental insurance<\/td><td>Up to 48 days, up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel\/motel theft insurance<\/td><td>up to <strong>$1,000<\/strong><\/td><\/tr><tr style=\"height: 23px;\"><td>Public transport accident insurance<\/td><td>Up to $500,000 per person<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase insurance<\/td><td>90 days<\/td><\/tr><tr style=\"height: 24px;\"><td>Mobile Device Insurance<\/td><td>up to <strong>$1,000<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Extended warranty insurance<\/td><td>Doubles warranty up to an additional year<\/td><\/tr><\/tbody><\/table><\/figure><\/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-small-benefit-scotiabank-gold-american-express-card\">Small benefit: Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/h5>\n\n\n\n<p>Some insurance amounts on the Scotiabank Gold American Express<sup>&reg;<\/sup> Card are slightly higher than on its competitor. Please note that <strong>at least 75% of the cost of the trip<\/strong> or 100% of the cost of the trip must be charged to this card for certain insurances to apply.<\/p>\n\n\n\n<p>The latter has the advantage of being the only one with mobile device insurance, in case you have an unfortunate incident with your phone or tablet.<\/p>\n\n\n\n<p>Please note that the <strong>total price of the trip<\/strong> must be indicated on the American Express<sup>&reg;<\/sup> Gold Rewards Card. However, this card will give you unrivalled medical cover in the event of a medical emergency abroad.<\/p>\n\n\n\n<p>We <strong>strongly<\/strong> advise you to read the insurance brochures of both cards carefully, to find out which one is best for your situation.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits\">The Benefits<\/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\/07\/carte-or-avec-primes-american-express.png\" alt=\"Comparison: American Express Cobalt Card vs American Express Gold Rewards Card - american express gold rewards card\" class=\"wp-image-167271\"\/><\/figure>\n<\/div>\n\n\n<p>American Express<sup>&reg;<\/sup> Gold Rewards Card offers a number of advantages:<\/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\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">Promotional offers<\/a> in the form of Statement credit at several retailers;<\/li>\n\n\n\n<li>$ 100 annual travel credit on American Express Online Travel Services;<\/li>\n\n\n\n<li>4 free admissions to Plaza Premium airport lounges in Canada per year;<\/li>\n\n\n\n<li>Statement credit 50 NEXUS membership fee;<\/li>\n\n\n\n<li>Free subscription to Priority Pass (after that, admission is charged);<\/li>\n\n\n\n<li>Special benefits (upgrade and free additional driver) for car rental with Hertz;<\/li>\n\n\n\n<li>Book with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/the-hotel-collection-american-express\/\" target=\"_blank\" rel=\"noopener\">The Hotel Collection<\/a> for upgrades and credits at unique hotels;<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/book-best-concerts-shows-credit-cards\/\" target=\"_blank\" rel=\"noopener\">Exclusive Front Of The Line<sup><sup>&reg;<\/sup> <\/sup>Presale Access<\/a> to concerts and shows through American Express<sup>&reg;<\/sup> Experiences;<\/li>\n\n\n\n<li>The American <sup>Express<sup>&reg;<\/sup><\/sup> Gold Rewards Card is made of metal;<\/li>\n\n\n\n<li>And you can decide the color of your card! Do you prefer it in Gold or Rose Gold?<\/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\/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>In addition, 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> offers a range of benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>No conversion fees<\/strong> for purchases in foreign currencies;<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/american-express-offers\/\" target=\"_blank\" rel=\"noopener\">Promotional offers<\/a> in the form of Statement credit at several retailers;<\/li>\n\n\n\n<li><strong>1 point \/ $1<\/strong> foreign purchase;<\/li>\n\n\n\n<li>Earn double Scene+ points with your Scene+ membership card with their partners;<\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/book-best-concerts-shows-credit-cards\/\" target=\"_blank\" rel=\"noopener\">Exclusive Front Of The Line<sup><sup>&reg;<\/sup> <\/sup>Presale Access<\/a> to concerts and shows through American Express<sup>&reg;<\/sup> Experiences;<\/li>\n\n\n\n<li>Concierge Service<\/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-gold-rewards-card\">Advantage: American Express Gold Rewards Card<\/h5>\n\n\n\n<p>Many of their benefits apply to travel. Depending on each traveller&#8217;s needs, one or the other may be appropriate.<\/p>\n\n\n\n<p>The Scotiabank Gold American Express<sup>&reg;<\/sup> Card avoids the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/no-foreign-transaction-fee\/\" target=\"_blank\" rel=\"noopener\">2.5% foreign exchange conversion fee<\/a>.<\/p>\n\n\n\n<p>While American Express<sup>&reg;<\/sup> Gold Rewards Card gives you free access to 4 airport lounges, a $100 annual credit and other benefits to make your trip even more special.<\/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 wins this duel?<\/p>\n\n\n\n<p>For those with a big grocery budget, it&#8217;s 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>It stands out for:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>An attractive welcome offer (especially with the rare annual fee refund);<\/li>\n\n\n\n<li>Travel insurance;<\/li>\n\n\n\n<li>Its unbeatable accumulation of 5 or 6 points at the grocery store;<\/li>\n\n\n\n<li>Its lowest annual fee.<\/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='m-h'\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--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"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\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>Opposite it, the <a target=\"_blank\" title=\"American Express<sup>&reg;<\/sup> Gold Rewards Card\" href=\"\/go\/amex-gold-rewards-card\/\" rel=\"noindex\">American Express<sup>&reg;<\/sup> Gold Rewards Card <\/a>will be perfect for people who travel a lot, thanks to&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>4 free accesses to Canadian airport lounges;<\/li>\n\n\n\n<li>The number of points offered by its welcome offer;<\/li>\n\n\n\n<li>The great flexibility of Membership Rewards points, which can easily be used in a variety of ways;<\/li>\n\n\n\n<li>No minimum annual income required;<\/li>\n\n\n\n<li>Its $100 annual travel credit.<\/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='m-h'\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--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22620\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/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='s'\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--s 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=\"88339,232179\"\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><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-faqs-amex-gold-vs-scotia-gold-amex\">Frequently Asked Questions about the American Express Gold Rewards Card and the Scotiabank Gold American Express Card<\/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=\"which_has_the_better_welcome_offer_amex_gold_rewards_or_scotia_gold_amex_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich has the better welcome offer: Amex Gold Rewards or Scotia Gold Amex?\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 <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-remise-en-argent-mastercard-rbc\/\" type=\"card\" id=\"22577\">American Express Gold Rewards Card<\/a> currently offers up to 60,000 Membership Rewards points (worth $600+) for spending $1,000 per month for 12 months. The <a target=\"_blank\" href=\"\/go\/scotiabank-gold-american-express-card\/\" type=\"card\" id=\"53216\">Scotiabank Gold American Express<\/a> offers up to 45,000 Scene+ points (worth $450 in travel) after $2,000 in initial purchases plus $7,500 in first-year spending. The Amex Gold wins on raw welcome bonus value, but the Scotia Gold has a lower spending hurdle and a more accessible structure for casual spenders who do not want to commit to $1,000 monthly.<\/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=\"which_card_has_lower_annual_fees_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has lower annual fees?\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 <a target=\"_blank\" href=\"\/go\/scotiabank-gold-american-express-card\/\" type=\"card\" id=\"53216\">Scotiabank Gold American Express<\/a> has a $120 annual fee, fully waived in the first year. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-remise-en-argent-mastercard-rbc\/\" type=\"card\" id=\"22577\">American Express Gold Rewards Card<\/a> charges $250 per year, but it includes a $100 annual travel credit that brings the net cost to $150. Scotia Gold is cheaper outright in year two and beyond, while the Amex Gold Rewards offers more travel-focused perks for travellers who can fully use the $100 annual credit on Air Canada flights, hotel stays or vacation packages.<\/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=\"which_card_is_better_for_grocery_shopping_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for grocery shopping?\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 <a target=\"_blank\" href=\"\/go\/scotiabank-gold-american-express-card\/\" type=\"card\" id=\"53216\">Scotiabank Gold American Express<\/a> dominates groceries with 6 points per $1 at Empire Group stores (Sobeys, IGA, Foodland, Safeway), 5 points per $1 at other grocery stores and restaurants, and 3 points per $1 on gas and streaming. The <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-remise-en-argent-mastercard-rbc\/\" type=\"card\" id=\"22577\">American Express Gold Rewards<\/a> earns just 2 points per $1 on groceries, gas, drugstores and travel. For grocery-heavy households spending $500+ per month at major chains, the Scotia Gold easily out-earns the Amex Gold and is the better value year after year.<\/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=\"which_card_is_better_for_travelers_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for travelers?\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 <a href=\"https:\/\/mp-2702.milesopedia.dev\/cartes-de-credit\/carte-remise-en-argent-mastercard-rbc\/\" type=\"card\" id=\"22577\">American Express Gold Rewards Card<\/a> is better for travellers, with 4 free airport lounge visits in Canada per year via the Plaza Premium Lounge program, flexible Membership Rewards points that transfer 1:1 to Aeroplan, Marriott Bonvoy, British Airways and other partners, plus a $100 annual travel credit. The <a target=\"_blank\" href=\"\/go\/scotiabank-gold-american-express-card\/\" type=\"card\" id=\"53216\">Scotiabank Gold American Express<\/a> offers no foreign transaction fees but lacks lounge access and has less flexible point redemption since Scene+ does not transfer to airline programs.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Let&#8217;s compare two gold credit cards: the American Express Gold Rewards Card and the Scotiabank Gold American Express\u00ae Card.<\/p>","protected":false},"author":127,"featured_media":396343,"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":[697],"class_list":["post-396944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-scotiabank","mc_loyalty_program-sceneplus","mc_market-all-of-canada","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":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express\u00ae Card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Let&#039;s compare two gold credit cards: the American Express Gold Rewards Card and the Scotiabank Gold American Express\u00ae Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express\u00ae Card\" \/>\n<meta property=\"og:description\" content=\"Let&#039;s compare two gold credit cards: the American Express Gold Rewards Card and the Scotiabank Gold American Express\u00ae Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-02T09:35:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-09T08:34:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2024\/07\/Cartes-Comparatifs-02-Amex-Or-Scotia-vs-Amex-Or-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Caroline Tremblay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/\"},\"author\":{\"name\":\"Caroline Tremblay\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\"},\"headline\":\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express&reg; Card\",\"datePublished\":\"2026-01-02T09:35:00+00:00\",\"dateModified\":\"2026-05-09T08:34:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/\"},\"wordCount\":2050,\"publisher\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Cartes-Comparatifs-02-Amex-Or-Scotia-vs-Amex-Or-ENG.jpg\",\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/\",\"name\":\"Gold Credit Card Comparison - Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Cartes-Comparatifs-02-Amex-Or-Scotia-vs-Amex-Or-ENG.jpg\",\"datePublished\":\"2026-01-02T09:35:00+00:00\",\"dateModified\":\"2026-05-09T08:34:22+00:00\",\"description\":\"Let's compare two gold credit cards: the American Express Gold Rewards Card and the Scotiabank Gold American Express\u00ae Card.\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/en\\\/reviews\\\/credit-cards\\\/comparison-card-gold-american-express-vs-card-american-express-gold-scotia\\\/#primaryimage\",\"url\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Cartes-Comparatifs-02-Amex-Or-Scotia-vs-Amex-Or-ENG.jpg\",\"contentUrl\":\"https:\\\/\\\/mp-2702.milesopedia.dev\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Cartes-Comparatifs-02-Amex-Or-Scotia-vs-Amex-Or-ENG.jpg\",\"width\":2400,\"height\":1260,\"caption\":\"Comparison: American Express Gold Rewards Card vs Scotiabank Gold American Express\u00ae Card - 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