The main difference between the Scotiabank Gold American Express Card and the Scotiabank Passport Visa Infinite Card lies in their rewards game. While they both offer attractive perks, they sport some notable distinctions that can sway your plastic preferences.
When it comes to rewards, the Gold American Express card flaunts its prowess in earning points for dining and entertainment, perfect for the epicurean explorer. On the flip side, the Passport Visa Infinite card is your ticket to unlocking rewards on travel-related spending, appealing to the jet-setter in you.
When it comes to fees, every card has a unique story. The Gold American Express card comes with a slightly elevated annual fee, which it balances out with generous rewards in specific categories. On the other hand, the Passport Visa Infinite card carries a higher annual fee but opens the door to exclusive travel perks. Make your selection wisely, astute spender!
Hold your applause for the introductory offers and bonuses – they’re here to impress. The Gold American Express card might shower you with welcome bonuses that cater to your specific lifestyle, while the Passport Visa Infinite card rolls out the red carpet with enticing travel perks that could make your globetrotting dreams a reality.
However, that's not all! Noteworthy characteristics? Absolutely. Both the Gold American Express card and the Passport Visa Infinite card offer indulgent perks such as travel insurance and concierge services that redefine convenience. They also provide airport lounge access and eliminate foreign transaction fees, ensuring your international adventures are as smooth as silk
So, whether you're hunting for culinary conquests or aiming for a passport full of stamps, these cards have your back. Remember, it’s not just about what’s in your wallet, but about how you make those rewards work for you. Make your pick and let the adventures begin!
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|---|---|
| Description | |
| Save 2.5% on foreign transaction fees and earn up to 6X the Scene+ points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases. | Take advantage of the no foreign transaction fee policy. Plus earn up to 3X the Scene+TM points when you spend $1 on eligible grocery, dining, and entertainment purchases |
| Basics | |
| Additional Cardholders | |
| 10 | 10 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| $5,000.00 | $5,000.00 |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 20000 points | 25000 points |
| Signup Bonus Points Required Spend | |
| $1,000.00 | $1,000.00 |
| Signup Bonus Points Required Spend Terms | |
| everyday purchases in the first 3 months, plus an additional 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year. That's a total of 40,000 points. | eligible purchases in your first 3 months. Plus, earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday net eligible purchases annually. Giving you a total of 35,000 points. |
| Rewards | |
| Rewards Program | |
| Scotia Rewards | Scotia Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Cashback Percentage Grocery Spend | |
| N/A | N/A |
| Cashback Percentage Petrol Spend | |
| N/A | N/A |
| Cashback Percentage Any Domestic Spend | |
| N/A | N/A |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 22.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 20.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $120.00 | $150.00 |
| Foreign Exchange Fee Percentage | |
| 0% | 0% |
| Late Payment Fee | |
| N/A | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| $60,000.00 | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
