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Side by Side Credit Cards Comparison
Rogers Red Mastercard®VSScotiabank Gold American Express® Card
Which one is better?
Rogers Red Mastercard®
4.4
Scotiabank Gold American Express® Card
4.9
Welcome Bonus
Get $45 in cash back value(1) exclusively with Rogers, when you spend $3,000 and make a mobile wallet purchase in the first three months of card activation.
Welcome Bonus
Earn up to 50,000 bonus Scene+TM points†◊ and pay no annual fee in your first year.◊ Earn 30,000 bonus Scene+TM points by making at least $2,000 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 20,000 Scene+TM point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Our Cash Offer
N/A
Our Cash Offer
$75 $150 Cash Rebate offer from FinlyWealth
Promotional rebate expires on Jan 1, 2026
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
+
$45
Annual Fee
-
$0
First Year Value
$765
$720 in years after
Based on a hypothetical $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
$641.94
Scene+
First Year Bonus Value
+
$500
Scene+
Annual Fee
-
$120
$0
First Year Rebated
Finly Rebate
Exclusive Offer
First Year Value
$1,291.94
$521.94 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Comwave or Shaw.^
- Otherwise earn 1% unlimited cash back on eligible non-U.S. dollar purchases.^
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido, Comwave or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $90 value).^
How to Earn Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Included
N/A
Insurance Included
Lost or Stolen Baggage
$500/person, $1000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours.svg)
Car Rental Damage & Theft
$65K up to 48 days
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Mobile Device Insurance
$1,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$1000/occurrence
Travel Medical Insurance
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 days
Trip Cancellation
$1500/person, $10000/trip
Trip Interruption
$1500/person, $10,000/tripFlight Delay
$500/person
Extra Benefits
No Cost roaming
5 days with eligible Rogers mobile plan
Extra Benefits
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD.svg)
Concierge Services
Discount
Discount on PriorityPass Membership
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
1 Standard rate on Purchases and Fees: 20.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, we (Rogers Bank) may still issue you an Account at our alternate interest rates, as follows: Standard Rate for Purchases and Fees: 25.99%, Standard Rate for Cash Advances, Cash like Transactions and Balance Transfers: 27.99%.
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$0
Annual Fee
$120
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$12,000
Min Household Income:
$12,000
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Entertainment
1¢ / point
Travel
1¢ / point
Groceries (Sobeys)
1¢ / point
Restaurants
1¢ / point
Merchandise
0.76¢ / point
Gift Cards
0.74¢ / point
Statement Credits (Cash)
0.7¢ / point
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
- Voted as the Best No Annual Fee 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.
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
- 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.
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.
vs Neo World Elite® Mastercard®
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Mastercard
vs SimplyCash™ Preferred Card from American Express
vs Scotia Momentum® Visa Infinite* Card
vs Simplii Financial™ Cash Back Visa* Card
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* 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® Visa Infinite* 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 Neo World Elite® Mastercard®
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Legal
*, ^, Terms and conditions apply.
Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com.
®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.
The Rogers Red World Elite® Mastercard® is issued by Rogers Bank.
TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2025 Rogers Bank. Rogers Bank is the issuer of this credit card.
1Offer available to new primary cardholders only. Get $30 cash back when you use your Rogers Red Mastercard or Rogers Red World Mastercard to make: (a) purchases totalling $3,000 within 105 days of opening your credit card account, and (b) at least 1 purchase via your mobile wallet within 105 days of opening your credit card account. If you redeem the $30 cash back in full on eligible Rogers, Fido, Shaw or Comwave purchase(s), you will get 1.5x the redemption value, giving an extra $15 in cash back value— for a total of $45 in cash back rewards. For clarity, $45 cash back value is applicable only when $30 cash back provided through this offer is redeemed on eligible Rogers, Fido, Shaw or Comwave purchase(s).
Refunded purchases do not qualify. Cash back rewards can be redeemed online through the Rogers Bank app towards purchases or requested in the form of a statement credit annually. Minimum redemption amount is $10. Account must be open and in good standing to earn, redeem and be given cash back rewards. After you qualify for the $30 cash back, it may take up to 4 months for the cash back to be posted to your account. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer unless we indicate otherwise. We may revoke this offer if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as we may determine in our sole discretion. Existing cardholders who switch to the Rogers Red Mastercard or Rogers Red World Mastercard are not eligible for this offer.
◊Conditions apply.
†With minimum spend in the 1st year.
*On eligible purchases in Canada only. Conditions apply.
Terms and conditions apply. 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.