Head to head
BMO Ascend World Elite Mastercard vs Scotiabank Platinum American Express Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | BMO | Scotiabank |
| Network | Mastercard World Elite | American Express Platinum |
| Annual fee | $150 | $399 |
| Purchase APR | 21.99% | 9.99% |
| Cash advance APR | 23.99% | 9.99% |
| FX fee | n/a | 0% |
| Welcome (est. value) | See offer | ~$800 |
| Top earn rate | 5x Travel | 3x Scene+ Travel hotels and car rentals |
| Lounge visits | 4 | 10 |
| Min. income | $80,000 | n/a |
Frequently asked
- Is the BMO Ascend World Elite Mastercard or the Scotiabank Platinum American Express Card better?
- Neither is universally better. The BMO Ascend World Elite Mastercard charges a $150 annual fee at 21.99% purchase APR, while the Scotiabank Platinum American Express Card charges $399 at 9.99%. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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