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2 cards · Your spend profile

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side by side.

Pick any two Canadian cards. We'll show exactly how each one performs against your spending — category by category, fee included.

Comparing:
01Scotia Gold Amex
vs
02National Bank World Elite Mastercard
🛒 Best Grocery Card

Scotia Gold Amex

Scotiabank
$702net / year for your spend
✦Earn up to 6 Scene+ points per $1 spent at eligible grocery stores, dining, and entertainment merchants
✦Earn 5 Scene+ points per $1 on food delivery, food subscriptions, and select grocery merchants
✦Earn 5 Scene+ points per $1 on eligible entertainment purchases including movies and theatres
✦Earn 3 Scene+ points per $1 on eligible gas, transit, and rideshare services
✦Earn 3 Scene+ points per $1 on eligible streaming services
✦Earn 1 Scene+ point per $1 on all other eligible purchases
✦Earn additional bonus points through Scene+ travel bookings (up to 4x via Scene+ Travel portal)
How we calculated this
CategoryMonthlyRateYearly
Dining$4005%$240
Groceries$6006%$432
Gas$1503%$54
Travel$3001%$36
Shopping$5001%$60
Gross rewards$822
Annual fee-$120
Net value$702
Apply at Scotiabank →View full details
Issuer terms apply. Not affiliated.
🛒 Grocery & Dining

National Bank World Elite Mastercard

National Bank
$618net / year for your spend
✦Earn up to 5 points per $1 on groceries and restaurant purchases (first $2,500 in monthly spend)
✦Earn 2 points per $1 on gas, EV charging, recurring bill payments, and À la carte Travel purchases
✦Earn 1 point per $1 on all other eligible purchases
✦Higher earn tier resets monthly, allowing repeated accelerated earning cycles
✦Points can be redeemed for travel, statement credits, gift cards, merchandise, or financial products through À la carte Rewards
✦Travel redemption via À la carte Travel typically provides higher effective value per point than merchandise or statement credit options
How we calculated this
CategoryMonthlyRateYearly
Dining$4005%$240
Groceries$6005%$360
Gas$1502%$36
Travel$3002%$72
Shopping$5001%$60
Gross rewards$768
Annual fee-$150
Net value$618
Apply at National Bank →View full details
Issuer terms apply. Not affiliated.

Cards that earn points or miles are shown as an estimated cash value. See the Rewards Guide for how we convert points to a percentage.

Estimates based on publicly available reward rates · Actual rewards may vary · ClearFin is not affiliated with any card issuer