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Rogers Red Mastercard®
4.4
Scotiabank Gold American Express® Card
4.9
Finly Rebate
Finly Rebate
Rewards Breakdown
Annual Rewards
$720
First Year Bonus
$90
Annual Fee
$0
First Year Value
$810
$720 in years after
Based on $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$644.5
Scene+
First Year Bonus
$400
Scene+
Annual Fee
$120
First Year Value
$924.5
$524.5 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Balance Protection
Insurance Included*
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Mobile Device Insurance
Extended Warranty
Purchase Protection
Hotel Burglary Insurance
Emergency Out of province Medical
Emergency Medical Over 65
Trip Cancellation
Trip Interruption
Flight Delay
Extra Benefits*
No Cost roaming
Extra Benefits*
No Foreign Transaction Fees
Concierge Services
Discount
American Express® Experiences
Interest Rates*
Purchase:
20.99% - 25.99%1
Cash Advance:
22.99% - 27.99%1
Balance Transfer:
22.99% - 27.99%1
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee*
$0
Annual Fee*
$120
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required*
Min Personal Income:
$12,000
Min Household Income:
$12,000
Welcome Bonus*
$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service ($90 if redeemed for Rogers, Fido or Shaw purchases).
Welcome Bonus*
Earn 20,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Rewards Rate*
Rewards Rate*
Loyalty Program*
N/A
Loyalty Program*
Point Redemption Options*
Not Applicable
Point Redemption Options*
Entertainment
Travel
Groceries (Sobeys)
Restaurants
Merchandise
Gift Cards
Statement Credits (Cash)
Is this card worth it?
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.
Is this card worth it?
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
Pros
Cons
Cons
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