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Maximize Cash Back On Your Favorite Brands
Get rewarded with cash when you shop at your favorite stores. Saving on your purchases has never been easier.
![Shu Uemura Canada](/_next/image?url=%2Fassets%2Ffeatured%2Fshu-uemura.jpg&w=640&q=100)
![Logo](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fshu-uemura%20(1).png&w=384&q=75)
Luxury beauty products
Enjoy exclusive deals from Shu Uemura Canada.
Up to 1.6% Cash Back
![Dyson Canada](/_next/image?url=%2Fassets%2Ffeatured%2Fdyson.jpg&w=640&q=100)
![Mac Cosmetics Canada](/_next/image?url=%2Fassets%2Ffeatured%2Fmac.jpg&w=640&q=100)
![New Balance Canada](/_next/image?url=%2Fassets%2Ffeatured%2Fnew-balance.jpg&w=640&q=100)
![Logo](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fnew_balance_canada.webp&w=384&q=75)
Athletic footwear and apparel
Enjoy exclusive deals from New Balance Canada.
Up to 8% Cash Back
![Puma Canada](/_next/image?url=%2Fassets%2Ffeatured%2Fpuma.jpg&w=640&q=100)
![Acer Canada](/_next/image?url=%2Fassets%2Ffeatured%2Facer.jpg&w=640&q=100)
![Scotiabank Value® Visa* Card](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fscotia-value-visa.png&w=640&q=100)
![Scotiabank Passport® Visa Infinite* Card](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fcredit_card_scotia_passport.png&w=640&q=100)
![Scotiabank® Scene+ Visa Card](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fscotia_scene_plus_creditcard.png&w=640&q=100)
![Scotia Momentum® Visa Infinite* Card](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fcredit_card_scotia_momentum.png&w=640&q=100)
![Scotiabank Gold American Express® Card](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fcredit_card_scotia_amex_gold.webp&w=640&q=100)
![Sephora](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2FSephora.webp&w=3840&q=75)
Sephora Canada
3% Cash Back
![harry rosen](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fharry-rosen.webp&w=3840&q=75)
Harry Rosen
4% Cash Back
![ECCO Canada](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fecco_canada_shopping.webp&w=3840&q=75)
ECCO Canada
8% Cash Back
![Booking.com](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fbooking_com.webp&w=3840&q=75)
Booking.com
4% Cash Back
![Levi's](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Flevis_canada_shopping.webp&w=3840&q=75)
Levi's Canada
10% Cash Back
![Clarks Canada](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fclarks_canada_shopping.webp&w=3840&q=75)
Clarks Canada
6.4% Cash Back
![Crocs Canada](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fcrocs_canada_shopping.webp&w=3840&q=75)
Crocs Canada
Up to 5.6% Cash Back
![Viator](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fviator_shopping.webp&w=3840&q=75)
Viator Canada
3.2% Cash Back
![shu uemura logo](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fshu-uemura%20(1).png&w=3840&q=75)
Shu Uemura Canada
Up to 1.6% Cash Back
![puma logo](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fpuma-logo-white-bg.png&w=3840&q=75)
Puma Canada
4.8% Cash Back
![Athleta Canada](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Fathleta_canada.webp&w=3840&q=75)
Athleta Canada
5% Cash Back
![Aveda Canada](/_next/image?url=https%3A%2F%2Fdw8t8n4nqv2sp.cloudfront.net%2Faveda_canada_shopping.webp&w=3840&q=75)
Aveda Canada
5% Cash Back
Find The Best Credit Cards in Canada For Smarter Spending
Missing out on the right credit cards could cost you hundreds or even thousands in rewards each year. Finly's unbiased algorithm uses a purely mathematical approach to help you find the most rewarding cards for your wallet.
Compare Credit Cards![credit cards](/_next/image?url=%2Fmain%2Fcards.png&w=3840&q=75)
American Express Cobalt® Card
Net Annual Rewards*
$886.02
First Year Bonus
$315
First Year Value*
$1,201.02
Credit Score
Good
Card Type
Points
Annual Fee
$155.8
Purchase Interest
21.99%
Cash Interest
21.99%
Institution
American Express
* Annual fee is deducted
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Emergency Out of province Medical
15 daysFlight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
This card was voted the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Pros
- Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome bonus of up to 15,000 points
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Often referred to as the Best Credit Card in Canada
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
Scotiabank Gold American Express® Card
Net Annual Rewards*
$493.54
First Year Bonus
$450
First Year Value*
$1,313.54
$75 Cash Rebate From FinlyWealth
Now $200 + $50† until Oct 31, 2024
Credit Score
Good
Card Type
Points
Annual Fee
$120
$0
First year waived
Purchase Interest
20.99%
Cash Interest
22.99%
Institution
Scotiabank
Loyalty:
Scene+* Annual fee is deducted
- 6 Points per $1 spent at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 5 Points per $1 spent on eligible dining, other grocery stores, entertainment purchases including movies, theatre, and ticket agencies
- 3 Points per $1 spent on rides which includes rideshare, buses, taxis, subways and more
- 3 Points per $1 spent on eligible streaming service payments (Netflix, Spotify, Disney+, Crave and more)
- 1 Point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 25 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1500/person, $10000/tripTrip Interruption
$1500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CADAmerican Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fee saves you 2.5% on all non-CAD purchases.
- Rewards cover all high-spending categories, including food, groceries, entertainment, and gas.
- Comprehensive coverage of all travel insurance.
Cons
- The card network is American Express, which might not be widely accepted in some countries, making it a bit harder to use the no foreign transaction fee benefit.
- Having a lounge pass would have made this card even more perfect, but there is access to a discount code for lounge access pass purchases.
American Express® Green Card
Annual Rewards
$457.03
First Year Bonus
$210
First Year Value
$667.03
Credit Score
Good
Card Type
Points
Annual Fee
$0
Purchase Interest
21.99%
Cash Interest
21.99%
Institution
American Express
- 1x point per $1 spent on all purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in CanadaExtra points
2 points on Amex Travel Online purchases
The American Express® Green Card is a great option for those looking for a no-frills card that earns rewards on all purchases without any annual fee or minimum income requirement. It's an accessible card with no cap on rewards, making it ideal for those who want to earn points without the higher costs and complexities of premium cards. However, it does come with lower rewards earnings across most categories and a modest welcome bonus.
Pros
- No Spending Limits: Earn unlimited rewards with no caps.
- Flexible Redemption: Transfer points to other loyalty programs for maximum value.
- VIP Perks: Access a variety of exclusive benefits through Amex Experiences™.
- Eco-Friendly: The card is made from 99% recycled plastic.
Cons
- Lower Reward Rates: Earn rates are lower compared to other no-fee cards.
- Limited Travel Perks: Lacks some of the travel benefits and insurance options provided by other cards.
Rogers Red World Elite® Mastercard®
Annual Rewards
$360
First Year Bonus
$0
First Year Value
$420
$60 Cash Rebate From FinlyWealth
Credit Score
Very Good
Card Type
Cash Back
Annual Fee
$0
Purchase Interest
19.99%
Cash Interest
22.99%
Institution
Rogers Bank
- 3% cash back on all U.S dollar purchases
- 2% cash back on all regular purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
- 1.5% cash back on all purchases if you do not have 1 qualifying service
Insurance
Coverage
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
$65,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Airport Lounge - Dragon Pass
Pass only, complimentary visits not includedNo Cost roaming
5 days
This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!
Pros
- Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
- Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
- There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
- Many favorable benefits for travelers.
- Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- Harder to qualify due to the high credit score and income requirements.
- Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.
American Express Gold Rewards Card®
Net Annual Rewards*
$347.35
First Year Bonus
$1,260
First Year Value*
$1,607.35
Credit Score
Good
Card Type
Points
Annual Fee
$250
Purchase Interest
21.99%
Cash Interest
21.99%
Institution
American Express
* Annual fee is deducted
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
15 daysTrip Cancellation
$1,500 per person, $3,000 combinedTrip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500 after 4 hour delayBaggage Delay
$500 after 6 hour delayHotel Burglary Insurance
$500Lost or Stolen Baggage
$500Travel Accident
$500,000Car Rental Damage & Theft
$85K, up to 48 daysPurchase Protection
90 days, Up to $1,000Extended Warranty
Up to 1 year
Benefits
Travel Credit
$100Nexus Program Rebate
$50 statement credit every 4 yearsAirport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visitsComplimentary Hotel Benefits
Hotels booked American Express TravelStatus lift
Hertz Gold Plus Rewards® loyalty programAmerican Express® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
Pros
- Flexible Rewards: Enjoy flexible Membership Rewards point conversion with up to 2 points per $1 spent.
- Travel Perks: Includes $100 annual travel credit and 4 free passes to Plaza Premium lounges in Canada.
- Comprehensive Insurance: Comes with 11 types of insurance coverage.
- Multiple Redemption Options: Offers 4 ways to redeem points for maximum value.
Cons
- High Annual Fee: The card comes with a $250 annual fee.
- Foreign Transaction Fees: A 2.5% fee applies to foreign transactions.
- Limited Travel Insurance for Seniors: No travel medical insurance coverage for those over 65.
- Lower Acceptance: As an American Express card, it may have lower acceptance compared to Visa or Mastercard.
Simplii Financial™ Cash Back Visa* Card
Annual Rewards
$342.92
First Year Bonus
$30
First Year Value
$447.92
$75 Cash Rebate From FinlyWealth
Credit Score
Very Good
Card Type
Cash Back
Annual Fee
$0
Purchase Interest
20.99%
Cash Interest
22.99%
Institution
Simplii Financial™
- 4% cash back on eligible restaurant, bar, and coffee shop purchases up to $5,000 spent per year†
- 1.5% cash back on gas, groceries, drugstore, and pre-authorized payments up to $15,000 spent per year†
- 0.5% cashback on all other purchases†
Insurance
Coverage
Purchase Protection
Up to 90 days†Extended Warranty
Up to 1 year†
If you dine out a lot and don't want to pay an annual fee for your credit card, the Simplii Financial™ Cash Back Visa* Card will undoubtedly be one of your best friends with its 4% cashback. Additionally, the card offers a decent cashback rate (1.5%) for gas, pharmacy, and groceries, making it one of the best no-annual-fee cashback credit cards in Canada. However, there are limits on how much you can earn in these categories. Therefore, you need to be careful not to exceed those limits; otherwise, your cashback rate will drop to 0.5% after those spending limits are reached.
Pros
- Highest cashback rate on restaurant purchases in Canada!
- Decent cashback rate on high spent categories such as groceries and gas.
- No annual fee for a card with great rewards.
Cons
- No insurance and benefits other than the standard purchase protection and extended warranty.
- Cap on the rewards that can be earned on each category.
Scotia Momentum® Visa Infinite* Card
Net Annual Rewards*
$276.83
First Year Bonus
$200
First Year Value*
$796.83
$100 Cash Rebate From FinlyWealth
Now $150 + $50† until Oct 31, 2024
Credit Score
Good
Card Type
Cash Back
Annual Fee
$120
$0
First year waived
Purchase Interest
20.99%
Cash Interest
22.99%
Institution
Scotiabank
* Annual fee is deducted
- 4% cashback on groceries, recurring payments (maximum $1000 cashback per year)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Insurance
Coverage
Mobile Device Insurance
$1,000Travel Accident
$500,000Emergency Out of province Medical
15 daysTrip Interruption
$2,000Trip Cancellation
$1,500Flight Delay
$500Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
48 daysPurchase Protection
90 daysExtended Warranty
1 year
Benefits
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefits
Yes
The 4% cashback offered on groceries and recurring purchases is the highest among all other credit cards. With the first year's annual fee waived, and with the right transactions used on this credit card, a high amount of cashback could be earned.
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
Cons
- The base cashback rate (1%) is low for most high spent categories, especially after the first year when the card's annual fee kicks in.
Rogers Red Mastercard®
Annual Rewards
$240
First Year Bonus
$60
First Year Value
$360
$60 Cash Rebate From FinlyWealth
Credit Score
Very Good
Card Type
Cash Back
Annual Fee
$0
Purchase Interest
19.99%
Cash Interest
22.99%
Institution
Rogers Bank
- 2% cashback on all purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
- 2% cashback on all U.S dollar purchases and 1% on all other eligible purchases if you do not have a qualifying Rogers, Fido or Shaw service
- 1.5x redemption bonus on your earned cash back value when used on Rogers, Fido and Shaw purchases – that’s a 3% cash back value
Insurance
Coverage
Balance Protection
Minimum payments
Benefits
No Cost roaming
5 days
This card is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.
Pros
- Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth.
- There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
Cons
- No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
- Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.
Scotiabank Passport® Visa Infinite* Card
Net Annual Rewards*
$183.58
First Year Bonus
$250
First Year Value*
$633.58
$60 Cash Rebate From FinlyWealth
Now $150 + $50† until Oct 31, 2024
Credit Score
Good
Card Type
Points
Annual Fee
$150
Purchase Interest
20.99%
Cash Interest
22.99%
Institution
Scotiabank
Loyalty:
Scene+* Annual fee is deducted
- 3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 2 Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies and Rides which includes rideshare,buses,taxis, subways and more
- 1 Point on everything else
Insurance
Coverage
Emergency Out of province Medical
$2M/insured up to 25 daysEmergency Medical Over 65
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1000Baggage Delay
$1000Travel Accident
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
No Foreign Transaction Fees
Airport Lounge - Dragon Pass
6 Free complimentary visitsStatus lift
Avis® Preferred Plus membershipConcierge Services
Visa Infinite Exclusive Benefits
The Scotiabank Passport Visa Infinite is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Pros
- High Rewards on Select Purchases: Earn up to 3 points per $1 spent on select categories.
- No Foreign Transaction Fees: Shop abroad without additional charges.
- Comprehensive Insurance: Includes 11 types of insurance coverage.
- Airport Lounge Access: Enjoy up to 6 airport lounge passes per year through the Visa Airport Companion program.
Cons
- High Income Requirements: Requires $60,000 personal or $100,000 household income.
- Lower Overall Rewards: Rewards potential is lower compared to premium credit cards.
- High Annual Fee: Comes with a significant annual fee.
- Average Insurance Coverage: Insurance benefits are standard, not exceptional.
- Mediocre Earnings Potential: The card’s rewards structure might not offer the highest returns for every spender.
Scotiabank Platinum American Express® Card
Net Annual Rewards*
$36.26
First Year Bonus
$600
First Year Value*
$836.26
$200 Cash Rebate From FinlyWealth
Credit Score
Excellent
Card Type
Points
Annual Fee
$399
Purchase Interest
9.99%
Cash Interest
9.99%
Institution
Scotiabank
Loyalty:
Scene+* Annual fee is deducted
- 2 points on all eligible purchases
Insurance
Coverage
Emergency Out of province Medical
$2M, Up to 31 daysEmergency Medical Over 65
$2M, Up to 10 daysTrip Cancellation
$2500/person, $10000/tripLost or Stolen Baggage
$500/person, $1000/tripTrip Interruption
$5000/person, $25000/tripBaggage Delay
$1000 After 4 hoursFlight Delay
$1000/personTravel Accident
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1000/occurrenceMobile Device Insurance
$1000Purchase Protection
120 daysExtended Warranty
Up to a year
Benefits
No Foreign Transaction Fees
Airport Lounge - Plaza Premium
10 visits, 4 visits for secondary card (combined with the Priority pass)Airport Lounge - Priority Pass
10 visits, 4 visits for secondary card (combined with the Plaza Premium)American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass MembershipStatus lift
Hertz #1 Club Gold MemberExtra points
Extra 3 Scene+ points per Canadian dollar spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank Platinum American Express Card
The Scotiabank Platinum American Express is the perfect choice for those seeking a super premium credit card without steep income requirements. With a high flat rate of rewards on all purchases, extensive insurance coverage, and flexible travel redemption options, it offers full-featured perks that cater to frequent travelers and savvy spenders alike.
Pros
- Low Interest Rate: Offers a competitive interest rate of 9.99%.
- Strong Rewards: Earn 2x Scene+ points on all purchases.
- Airport Lounge Access: Enjoy 10 complimentary lounge visits, including Plaza Premium Lounges, through Priority Pass (membership required).
- Comprehensive Travel Insurance: Includes extensive coverage for travel-related needs.
- Flexible Travel Rewards: Points can be redeemed for travel bookings with any provider.
- No Foreign Transaction Fees: Shop internationally without extra charges.
Cons
- High Annual Fee: The annual fee is steep compared to similar cards offering similar perks.
- Limited Premium Perks: Lacks top-tier travel benefits like free checked baggage and priority boarding.
Rewards based on $2,000/month average spending, sorted by net annual rewards
User Reviews
See our full list of reviews on Trustpilot
The best cc sign up offers in Canada. Top notch customer service as well!
Trustpilot Review
May 08, 2024
Thank you so much Abid you helped me out with rebate my first time using Finlywealth. Super happy with 5 stars customer service. Fast reply & really helpful.
Trustpilot Review
April 09, 2024
I received the money within 2 days from applying for a credit card, The card didn't even arrive yet and Finly was quick and send the money directly to my bank account
Trustpilot Review
May 02, 2024
Good information about the various cards, well presented and easy to link into an application And getting some cash back was a bonus
Trustpilot Review
April 08, 2024
I had a problem with my application and the finlywealth team took care of me and insure me that they will handle my case and get my rebate. I am a happy customer.
Trustpilot Review
April 14, 2024
Customer service is very good. Great support! Definitely use it agian!
Trustpilot Review
April 01, 2024
Very fast and efficient with quick payout. Will definitely recommend and use again!
Trustpilot Review
March 22, 2024
Very quick rebate process. I got two different rebates within a week or so. Very quick response on any questions.