Scotiabank® Gold American Express® Card vs TD Aeroplan Visa Infinite
The short answer: for most people the Scotiabank® Gold American Express® Card is the better overall card — we rate it 4.7/5 and it shines if you want grocery shoppers and travellers who want no foreign transaction fees. Choose the TD Aeroplan Visa Infinite instead if your priority is air canada flyers who want free checked bags and aeroplan points.
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| Our rating | 4.7 | 4.5 |
|---|---|---|
| Annual fee | $120/yr | $139/yr |
| Welcome bonus | $950 | $1,200 |
| Foreign transaction fee | None | 2.5% |
| Rewards type | points | miles |
| Top earn rates |
|
|
| Purchase interest | 21.99% | 20.99% |
| Income required | $12,000 personal | $60,000 personal |
| Best for | Grocery shoppers and travellers who want no foreign transaction fees | Air Canada flyers who want free checked bags and Aeroplan points |
| Apply now | Apply now |
Scotiabank® Gold American Express® Card
Our winnerA do-it-all rewards card: category-leading grocery earning, strong dining and entertainment multipliers, and no FX fee for when you travel or shop in USD.
TD Aeroplan Visa Infinite
If you fly Air Canada even a couple of times a year, the free checked bag and Aeroplan earning make this an easy pick. Outside that ecosystem, look elsewhere.
Frequently asked questions
Is the Scotiabank® Gold American Express® Card or the TD Aeroplan Visa Infinite better?
For most Canadians, the Scotiabank® Gold American Express® Card is the better overall pick (we rate it 4.7/5 vs 4.5/5). It's especially strong if you want grocery shoppers and travellers who want no foreign transaction fees. The TD Aeroplan Visa Infinite can still win if you specifically want air canada flyers who want free checked bags and aeroplan points.
Which card has the lower annual fee?
The Scotiabank® Gold American Express® Card has the lower annual fee (a $120 annual fee vs a $139 annual fee).
Do either of these cards charge foreign transaction fees?
Scotiabank® Gold American Express® Card: no foreign transaction fee. TD Aeroplan Visa Infinite: 2.5% foreign transaction fee.