{"id":144365,"date":"2026-03-04T08:55:00","date_gmt":"2026-03-04T13:55:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/comparison-amex-cobalt-or-scotia\/"},"modified":"2026-03-04T09:16:43","modified_gmt":"2026-03-04T14:16:43","slug":"comparison-amex-cobalt-or-scotia","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-amex-cobalt-or-scotia\/","title":{"rendered":"Head-to-Head: Scotiabank Gold American Express<sup>&reg;<\/sup> Card vs. American Express Cobalt<sup>&reg;<\/sup> Card"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/cards\/american-express-canada\/\">American Express Canada<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/cards\/scotiabank\/\">Scotiabank<\/a> each offer an <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/amex\/\">American Express<\/a> credit card that earns up to <strong>5 points per dollar<\/strong> on specific purchase categories:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;links&#8221;]Let&#8217;s look at the big differences between these credit cards in regards to:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n<li><a href=\"#devises\">using the card abroad<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#assurances\">Travel insurance<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text]The welcome bonus offered by each of these credit cards varies depending on the promotions. However, there are differences to be aware of between the two credit cards.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Gold Card<\/a>, you can earn up to 45,000 Scene+ points:<\/p>\n<ul>\n<li>25,000 points after <span class=\"nowrap\">$2,000<\/span> in purchases within the first three months<\/li>\n<li>20,000 points after <span class=\"nowrap\">$7,500<\/span> in purchases in the first year<\/li>\n<\/ul>\n<p>This has a <strong>$450<\/strong> value.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you subscribe to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>up to 15,000 points<\/strong><strong>:<\/strong><\/p>\n<ul>\n<li>1,250 points per month for the first 12 months (monthly expenses of $750 or more)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Scotiabank Gold American Express&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_scotiabank_gold_american_express&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To obtain the full welcome bonus from the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>welcome bonus, you need to spend $9,000 in the first year ($750 per month over 12 months) to earn <span class=\"nowrap\">15,000<\/span> points. This has a <span class=\"nowrap\">$150<\/span> value.<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express Card<\/a>, you receive the first part of the welcome bonus of <span class=\"nowrap\">25,000<\/span> points after spending only $2,000 in purchases within three months. This is a <span class=\"nowrap\">$250 value<\/span>.<\/p>\n<p>Then, however, you&#8217;ll also need to spend <span class=\"nowrap\">$7,500<\/span> within the year to earn an additional <span class=\"nowrap\">20,000<\/span> points.<\/p>\n<p>The welcome bonus from <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> welcome bonus requires spending $750 every month for 12 months. With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you get more value, more easily.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> requires a minimum income of $12,000.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> requires no minimum income, unlike the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> (although the $12,000 per annum requirement is still attainable for many).<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> has an annual fee of $120. It&#8217;s charged on the first statement, and at the time of renewal.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For residents outside Quebec, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> has a monthly fee of $15.99 per month (for a total of $191.88). For residents in Quebec, it is $191.88 per year.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Scotiabank Gold American Express&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_scotiabank_gold_american_express&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> annual fee is lower than the Scotiabank Gold American Express<sup>&reg;<\/sup> Card annual fee. <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Card Gold<\/a> each offer 3 levels of point accumulation.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Maximum Earning Level&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;maximum_earning_level&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>5<\/strong> <strong>Scene+ points<\/strong> per dollar spent:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Food delivery<\/li>\n<li>restaurants, bars<\/li>\n<li>Entertainment venues<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can earn <strong>5 points<\/strong> per dollar in purchases for:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Food delivery<\/li>\n<li>restaurants, bars<\/li>\n<li>Convenience stores<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;draw&#8221;][vc_column_text]<\/p>\n<p>It&#8217;s hard to tell the difference between the two cards in<strong> the 5 points per dollar category<\/strong>. Only one type of business is different: convenience stores for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>and entertainment venues for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>Don&#8217;t forget the possibility of purchasing gift cards at Couche-Tard convenience stores with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> You could earn <strong>5 points per dollar<\/strong>, even on Walmart gift cards!<\/p>\n<p>If you choose the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you&#8217;ll earn <strong>6 points per dollar spent<\/strong> at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 by IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n<p>Some will spend more in one category than another. It&#8217;s up to you to choose the most appropriate one, especially for your foreign currency purchases, as you&#8217;ll see below.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Intermediate Earning Level&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;intermediate_earning_level&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Card Gold<\/a>, you can earn <strong>between 2 and 3 points per dollar spent<\/strong> in specific merchant categories.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can earn <strong>3 points for every $1 in purchases at:<\/strong><\/p>\n<ul>\n<li>local transport<\/li>\n<li>Gas stations<\/li>\n<li>Streaming services<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>you can earn <strong>2 points for every dollar you spend at&nbsp;:<\/strong><\/p>\n<ul>\n<li>local transport<\/li>\n<li>Gas stations<\/li>\n<\/ul>\n<p>And <strong>3 points per dollar <\/strong> on streaming services purchases.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Scotiabank Gold American Express&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_scotiabank_gold_american_express&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank American Express<sup>&reg;<\/sup> Gold Card<\/a>, you earn 1 point more per dollar spent than the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>. This is especially true in recurring categories such as gas stations and transportation.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;forex&#8221;][vc_column][vc_custom_heading text=&#8221;Basic Earning Level&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;basic_earning_level&#8221;][vc_column_text]Outside these accelerated purchase categories, you earn 1 point per dollar spent on both the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.[\/vc_column_text][vc_custom_heading text=&#8221;Foreign currency purchases&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;foreign_currency_purchases&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Unlike the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>, the<a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup><\/a> Card, there are no foreign currency conversion fees.<\/p>\n<p>This is a <strong>saving of 2.5% on each transaction made<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Scotiabank Gold American Express&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_scotiabank_gold_american_express&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Each of these two cards offers only <strong>1 point per dollar on purchases made in foreign currencies<\/strong>.<\/p>\n<p>However, the absence of conversion fees for foreign currency purchases makes the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> the winner.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207463\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Both cards offer <strong>travel points<\/strong>.<\/p>\n<p>However, their loyalty programs are completely different:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/sceneplus\/\">Scene+<\/a> for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reward-program\/membership-rewards-american-express\/\">American Express Membership Rewards<\/a> for <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/li>\n<\/ul>\n<p>This means that the ways you can redeem your points are different.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For Travel&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_travel&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> and <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can redeem your points for travel purchased on the card:<\/p>\n<ul>\n<li>Flights<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/hotels\/\">Hotels<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\">Airbnb rentals<\/a><\/li>\n<li>Cruises<\/li>\n<li>And more!<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can use Scene+ points on travel purchases.<\/p>\n<p>The usage rate is 1,000 points = $10.<\/p>\n<p><strong>A minimum of 5,000 points<\/strong> (i.e. a minimum of $50) is required, thereafter in increments of 1 cent \/ 1 point.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>\u00c0 la carte Travel, you can apply Membership Rewards points to travel purchases charged to the card.<\/p>\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n<p><strong>A minimum of 1,000 points<\/strong> (i.e. a minimum of $10) is required, and thereafter in increments of 1 cent \/ 1 point.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> wins this duel because it allows points to be used for travel purchases with a minimum of $10, compared with $50 for the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>This allows for more flexibility.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For Everyday Shopping&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_everyday_shopping&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can use Scene+ points on everyday purchases.<\/p>\n<p>Redeem your points in 1,000-point increments for $10 off your next hotel night or car rental when you book with Scene+ Travel. Alternatively, you can obtain a Statement credit by using the &#8220;Redeem points for credit&#8221; option.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a>, you can apply Membership Rewards points to everyday purchases charged to the card.<\/p>\n<p>The usage rate is <strong>1,000 points = $10<\/strong>.<\/p>\n<p><strong>A minimum of 1,000 points<\/strong> (minimum $10) must be applied.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;It&#039;s a tie&nbsp;!&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;it_039_s_a_tie_&#8221;][vc_column_text]<\/p>\n<p>For both the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, the use of points for everyday purchases is identical.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Transfers to Other Programs&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;transfers_to_other_programs&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, Scene+ points remains part of the program. Therefore, they cannot be transferred.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can use its points:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">to save on flights via the American Express fixed price schedule<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/tutorial-transfer-membership-rewards\/\">for points transfers to partners<\/a>: Aeroplan British Airways Executive Club, Air France KLM Flying Blue, Delta SkyMiles, Etihad Guest, Asia Miles, Marriott Bonvoy and Hilton Honors<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: American Express Cobalt Card&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_american_express_cobalt_card&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> wins this duel.<\/p>\n<p>Using Membership Rewards points against certain flights <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/american-express-fixed-points-travel-program\/\">can double their value<\/a>, and what about <a href=\"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/cobalt-card-best-card-canada\/#Le_transfert_des_points-privileges_vers_Marriott_Bonvoy\">transferring points to hotel programs<\/a> such as <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/marriott-bonvoy\/\">Marriott Bonvoy<\/a>, which allows you to accumulate more points <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-hotels\/\">for free hotel nights<\/a>! Or to <a href=\"https:\/\/milesopedia.com\/en\/offers\/cards\/new-offer-american-express-cobalt\/\">airline partners<\/a> such as Aeroplan or Flying Blue.<\/p>\n<p>Whereas with the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you cannot transfer your points.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Insurance&#8221; el_id=&#8221;insurance&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;185856&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you can benefit from these insurances:<\/p>\n<ul>\n<li>Travel Accident Insurance<\/li>\n<li>Flight Delay Insurance<\/li>\n<li>Delayed Baggage Insurance<\/li>\n<li>Loss \/ theft of luggage insurance<\/li>\n<li>Trip Cancellation Insurance<\/li>\n<li>Trip Interruption Insurance<\/li>\n<li>Medical insurance up to the age of 64<\/li>\n<li>Medical insurance over 65<\/li>\n<li>Car Rental Theft and Damage Insurance<\/li>\n<li>Hotel\/motel burglary insurance<\/li>\n<li>Purchase warranty: 90 days<\/li>\n<li>Extended warranty: 1 year<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;162054&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> you can benefit from these insurances:<\/p>\n<ul>\n<li>Travel Accident Insurance<\/li>\n<li>Flight Delay Insurance<\/li>\n<li>Delayed Baggage Insurance<\/li>\n<li>Loss \/ theft of luggage insurance<\/li>\n<li>Medical insurance up to the age of 64<\/li>\n<li>Car Rental Theft and Damage Insurance<\/li>\n<li>Hotel\/motel burglary insurance<\/li>\n<li>Purchase warranty: 90 days<\/li>\n<li>Extended warranty: 1 year<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Scotiabank Gold American Express&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;advantage_scotiabank_gold_american_express&#8221;][vc_column_text]<\/p>\n<p>With the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>, you benefit from additional or more generous coverage than with the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a>.<\/p>\n<p>What&#8217;s more, it requires 75% of travel purchases to be charged to the card, whereas the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>MD<\/sup> Card<\/a> requires the entire trip to have been charged to it.<\/p>\n<p>If you want a card that covers your travels, even when a tiny fraction of them have been charged to it, you should read this article: <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">The Best Credit Cards for Travel Insurance with Rewards Points<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which Card is the winner?<\/p>\n<p>It&#8217;s hard to declare an official winner. In short, the American Express Cobalt<sup>&reg;<\/sup> Card is excellent for everyday purchases. While the <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> is excellent for travel.<\/p>\n<p>The <a class=\"thirstylink\" title=\"Scotiabank Gold American Express Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a> stands out from the crowd:<\/p>\n<ul>\n<li>Robust travel insurance;<\/li>\n<li>A more generous welcome offer;<\/li>\n<li><strong>No foreign currency conversion charges<\/strong>;<\/li>\n<li>Its unbeatable 6 points per dollar spent at IGA and other Sobeys-branded supermarkets;<\/li>\n<li>Its 5 points per dollar spent in other grocery stores and restaurants.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>But the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-cobalt-card\/\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a> stands out on:<\/p>\n<ul>\n<li>The flexible use of its points;<\/li>\n<li>The absence of a minimum income requirement;<\/li>\n<li>Its 5 points per dollar spent in grocery stores and restaurants.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;links&#8221;]If you&#8217;ve already got one of these cards, you could try the other! And even if you currently own one of them, <strong>getting the other will allow you to diversify your points portfolio<\/strong>! <\/p>\n<p>These are 2 cards that we recommend in many of our rankings:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/amex\/\">Best American Express Credit cards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">The Best Travel Credit Cards<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/grocery\/\">The Best Credit Cards For Groceries<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/restaurants\/\">The Best Restaurant Credit Cards<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"64086,470736\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Here is our detailed comparison of the Scotiabank Gold American Express\u00ae Card and American Express Cobalt\u00ae Card.<\/p>","protected":false},"author":127,"featured_media":349081,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-144365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Head-to-Head: Amex Cobalt vs. Amex Scotia Gold | Milesopedia | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here&#039;s our detailed comparison of the American Express Cobalt\u00aeCard and the Scotiabank Gold American Express\u00ae Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-amex-cobalt-or-scotia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Head-to-Head: Scotiabank Gold American Express\u00ae Card vs. American Express Cobalt\u00ae Card\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s our detailed comparison of the American Express Cobalt\u00aeCard and the Scotiabank Gold American Express\u00ae Card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-amex-cobalt-or-scotia\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-04T13:55:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-04T14:16:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/02\/Cartes-Comparatifs-Cobalt-Amex-vs-Amex-Or-Scotia-ENG.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/reviews\\\/credit-cards\\\/comparison-amex-cobalt-or-scotia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/reviews\\\/credit-cards\\\/comparison-amex-cobalt-or-scotia\\\/\"},\"author\":{\"name\":\"Caroline Tremblay\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\"},\"headline\":\"Head-to-Head: Scotiabank Gold American Express&reg; Card vs. American Express Cobalt&reg; 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Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\",\"name\":\"Caroline Tremblay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"caption\":\"Caroline 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