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Maximize the rewards and cash back you earn on all your purchases with FinlyWealth.

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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
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Luxury beauty products

Enjoy exclusive deals from Shu Uemura Canada.

Up to 1.6% Cash Back

Get Cash Back
Dyson Canada
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Innovating home technology

Enjoy exclusive deals from Dyson Canada.

Up to 5% Cash Back

Get Cash Back
Mac Cosmetics Canada
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Professional cosmetics

Enjoy exclusive deals from Mac Cosmetics Canada.

5% Cash Back

Get Cash Back
New Balance Canada
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Athletic footwear and apparel

Enjoy exclusive deals from New Balance Canada.

Up to 8% Cash Back

Get Cash Back
Puma Canada
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Sportswear and lifestyle brand

Enjoy exclusive deals from Puma Canada.

4.8% Cash Back

Get Cash Back
Acer Canada
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Cutting-edge computing

Enjoy exclusive deals from Acer Canada.

Up to 3.2% Cash Back

Get Cash Back
Scotiabank Value® Visa* Card
Scotiabank Value® Visa* Card

$60

$90 until Oct 31, 2024

Get Cash Back
Scotiabank Passport® Visa Infinite* Card
Scotiabank Passport® Visa Infinite* Card

$60

$150 until Oct 31, 2024

Get Cash Back
Scotiabank® Scene+ Visa Card
Scotiabank® Scene+ Visa Card

$65

$90 until Oct 31, 2024

Get Cash Back
Scotia Momentum® Visa Infinite* Card
Scotia Momentum® Visa Infinite* Card

$100

$150 until Oct 31, 2024

Get Cash Back
Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card

$75

$200 until Oct 31, 2024

Get Cash Back
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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
American Express Cobalt® Card

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

  • travel accident medical

    Emergency Out of province Medical

    15 days
  • hourglass timer

    Flight Delay

    $500
  • hourglass timer

    Baggage Delay

    $500
  • burglar

    Hotel Burglary Insurance

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • heart lock

    Travel Accident

    $250,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • Amex logo

    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

    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

  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 25 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1500/person, $10000/trip
  • pause

    Trip Interruption

    $1500/person, $10,000/trip
  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1000/trip
  • hourglass timer

    Baggage Delay

    $500/person, $1,000/trip After 4 hours
  • hourglass timer

    Flight Delay

    $500/person
  • heart lock

    Travel Accident

    $500K/person, $1M/occurrence
  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • burglar

    Hotel Burglary Insurance

    $1000/occurrence
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • exchange money

    No Foreign Transaction Fees

    Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
  • Amex logo

    American Express® Experiences

  • concierge

    Concierge Services

  • discount

    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

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

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year

Benefits

  • Amex logo

    Amex Experiences™

    With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
  • reward cup

    Extra 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

  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 10 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,000/person, $5,000 maximum
  • pause

    Trip Interruption

    $1,000/person, $5,000 maximum
  • car insurance

    Car Rental Damage & Theft

    $65,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year

Benefits

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, complimentary visits not included
  • mobile phone wifi

    No 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®

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

  • travel accident medical

    Emergency Out of province Medical

    15 days
  • cancel airplane

    Trip Cancellation

    $1,500 per person, $3,000 combined
  • pause

    Trip Interruption

    $1,500 per person, $6,000 combined
  • hourglass timer

    Flight Delay

    $500 after 4 hour delay
  • hourglass timer

    Baggage Delay

    $500 after 6 hour delay
  • burglar

    Hotel Burglary Insurance

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • heart lock

    Travel Accident

    $500,000
  • car insurance

    Car Rental Damage & Theft

    $85K, up to 48 days
  • purchase protection

    Purchase Protection

    90 days, Up to $1,000
  • extended warranty

    Extended Warranty

    Up to 1 year

Benefits

  • travel

    Travel Credit

    $100
  • border guard

    Nexus Program Rebate

    $50 statement credit every 4 years
  • alcohol cheers

    Airport Lounge - Priority Pass

    Pass only. No Complimentary visits!
  • alcohol cheers

    Airport Lounge - Plaza Premium

    4 Free complimentary visits
  • hotel

    Complimentary Hotel Benefits

    Hotels booked American Express Travel
  • star fall

    Status lift

    Hertz Gold Plus Rewards® loyalty program
  • Amex logo

    American Express® Experiences

  • reward cup

    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

    Purchase Protection

    Up to 90 days†
  • extended warranty

    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

    Mobile Device Insurance

    $1,000
  • heart lock

    Travel Accident

    $500,000
  • travel accident medical

    Emergency Out of province Medical

    15 days
  • pause

    Trip Interruption

    $2,000
  • cancel airplane

    Trip Cancellation

    $1,500
  • hourglass timer

    Flight Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    48 days
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year

Benefits

  • car rental

    Car Rental Discount

    25% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa 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

  • credit card dollar

    Balance Protection

    Minimum payments

Benefits

  • mobile phone wifi

    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

  • travel accident medical

    Emergency Out of province Medical

    $2M/insured up to 25 days
  • travel accident medical

    Emergency Medical Over 65

    $2M/insured up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,500/person, $10,000/trip
  • pause

    Trip Interruption

    $2,500/person, $10,000/trip
  • hourglass timer

    Flight Delay

    $500/person after 4 hours
  • lost baggage

    Lost or Stolen Baggage

    $1000
  • hourglass timer

    Baggage Delay

    $1000
  • heart lock

    Travel Accident

    $500,000/insured, $1M combined
  • car insurance

    Car Rental Damage & Theft

    $65,000 up to 48 days
  • burglar

    Hotel Burglary Insurance

    $1,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    1 year

Benefits

  • exchange money

    No Foreign Transaction Fees

  • alcohol cheers

    Airport Lounge - Dragon Pass

    6 Free complimentary visits
  • star fall

    Status lift

    Avis® Preferred Plus membership
  • concierge

    Concierge Services

  • exclusive

    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

  • travel accident medical

    Emergency Out of province Medical

    $2M, Up to 31 days
  • travel accident medical

    Emergency Medical Over 65

    $2M, Up to 10 days
  • cancel airplane

    Trip Cancellation

    $2500/person, $10000/trip
  • lost baggage

    Lost or Stolen Baggage

    $500/person, $1000/trip
  • pause

    Trip Interruption

    $5000/person, $25000/trip
  • hourglass timer

    Baggage Delay

    $1000 After 4 hours
  • hourglass timer

    Flight Delay

    $1000/person
  • heart lock

    Travel Accident

    $500K/person, $1M/occurrence
  • car insurance

    Car Rental Damage & Theft

    $65K up to 48 days
  • burglar

    Hotel Burglary Insurance

    $1000/occurrence
  • mobile device insurance

    Mobile Device Insurance

    $1000
  • purchase protection

    Purchase Protection

    120 days
  • extended warranty

    Extended Warranty

    Up to a year

Benefits

  • exchange money

    No Foreign Transaction Fees

  • alcohol cheers

    Airport Lounge - Plaza Premium

    10 visits, 4 visits for secondary card (combined with the Priority pass)
  • alcohol cheers

    Airport Lounge - Priority Pass

    10 visits, 4 visits for secondary card (combined with the Plaza Premium)
  • Amex logo

    American Express® Experiences

  • concierge

    Concierge Services

  • discount

    Discount

    Discount on PriorityPass Membership
  • star fall

    Status lift

    Hertz #1 Club Gold Member
  • reward cup

    Extra 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.

Trustpilot Review
March 12, 2023

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