Scotiabank Gold American Express vs Tangerine Money-Back Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Scotiabank Gold American Express comes out ahead on estimated net value — about $2,592/yr more than the Tangerine Money-Back Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Scotiabank Gold American Express Best valuePopular | Tangerine Money-Back Credit Card Popular |
|---|---|---|
| Issuer | Scotiabank | Tangerine |
| Annual fee | $120 / year | No annual fee |
| Welcome bonus | Up to 40,000 bonus Scene+ points | Extra 10% back in first 2 months (capped) |
| Min. income (monthly) | CAD 12,000 | CAD 12,000 |
| Reward type | points | cashback |
| Headline rate | — | 2% cashback |
| Bonus categories | dining, transit, groceries, entertainment | fuel, dining, online, groceries |
| Lounge access | No | No |
| Foreign tx fee | 0% | 2.5% |
| Est. net value / yr | $3,504 | $912 |
| Apply | Apply |
Frequently asked questions
- Scotiabank Gold American Express vs Tangerine Money-Back Credit Card: which is better?
- On our reference spend profile the Scotiabank Gold American Express delivers higher estimated net value than the Tangerine Money-Back Credit Card in Canada, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Scotiabank Gold American Express and Tangerine Money-Back Credit Card?
- Scotiabank Gold American Express: $120 / year. Tangerine Money-Back Credit Card: No annual fee.
- Which earns more rewards, Scotiabank Gold American Express or Tangerine Money-Back Credit Card?
- Scotiabank Gold American Express earns points; Tangerine Money-Back Credit Card earns 2% cashback. We rank by net value after fees, not headline rate alone.