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American Express® Green Card vs Scotia Momentum® Visa Infinite* Card: Which one is better?
American Express® Green Card
Scotia Momentum® Visa Infinite* Card
Welcome Bonus
Earn a Welcome Bonus of 10,000 points when you charge $1,000 in purchases to your Card in the first 3 months.
Welcome Bonus
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
Our Cash Offer
N/A
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Annual Rewards
$445.58
American Express Membership Rewards
First Year Bonus Value
+
$200
American Express Membership Rewards
Annual Fee
-
$0
First Year Value
$645.58
$445.58 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$407.15
First Year Bonus Value
+
$200
Annual Fee
-
$120
$0
First Year Waived
Finly Rebate
+
$100Exclusive Offer
First Year Value
$707.15
$287.15 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 1x point per $1 spent on all purchases
How to Earn Rewards
- 4% cashback on groceries, recurring payments (up to $25,000 in purchases, equals to $1000 cashback per year then drops to 1%)
- 2% cashback on gas, daily transit (maximum $500 cashback per year)
- 1% cashback on all other credit card purchases (unlimited).
Insurance Included
Extended Warranty
Up to a year
Purchase Protection
90 days
Insurance Included
Extended Warranty
1 yearPurchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
48 days
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Emergency Medical Term
15 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Extra Benefits
Extra points
2 points on Amex Travel Online purchases
Amex Experiences™
With Amex Experiences™ and Front Of The Line® Amex Presale Tickets, American Express Cardmembers get access to amazing events in Canada
Extra Benefits
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Yes
Interest Rates
Purchase:
21.99%1
Cash Advance:
21.99%1
1 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$0
Annual Fee
$120
$0$
First Year Waived
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Aeroplan® Flights
2¢ / pointMost Optimal
Transfer to Airline Partners
1.6¢ / point
Fixed Point Travel Program
1.16¢ / point
Transfer to Hotel Partners
1.16¢ / point
Statement Credits (Cash)
1¢ / point
Gift Cards
0.91¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / point
Point Redemption Options
Not Applicable
Is this card worth it?
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.
Is this card worth it?
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
- 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.
Pros
- Highest Cashback rates on Groceries and Recurring purchases compared to other cashback credit cards.
- High insurance coverage.
- First year annual fee waived.
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.
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.
- Cashback is paid out once per year in November
vs American Express® Aeroplan®* Reserve Card
vs Marriott Bonvoy® American Express®* Card
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite® Mastercard®
vs Amazon.ca Rewards Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs MBNA Rewards World Elite® Mastercard®
vs PC World Elite Mastercard
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs American Express Cobalt® Card
vs Scotiabank Value® Visa* Card
vs Scotiabank Passport® Visa Infinite* Privilege Card
vs Scotiabank Platinum American Express® Card
vs Scotia Momentum® No-Fee Visa* Card
vs Scotia Momentum® Mastercard®* Credit Card
vs Scotiabank® Scene+ Visa Card
vs Scotiabank American Express® Card
vs Scotiabank Gold American Express® Card
vs Neo World Elite® Mastercard®
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Credit Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs MBNA Rewards World Elite® Mastercard®
vs PC World Elite Mastercard
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red Mastercard®
vs American Express Cobalt® Card
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.