Head to head
Scotiabank Platinum American Express Card vs TD Low Rate Visa* Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | Scotiabank | TD Canada Trust |
| Network | American Express Platinum | Visa Classic |
| Annual fee | $399 | — |
| Purchase APR | 9.99% | 12.90% |
| Cash advance APR | 9.99% | 12.90% |
| FX fee | 0% | n/a |
| Welcome (est. value) | ~$800 | n/a |
| Top earn rate | 3x Scene+ Travel hotels and car rentals | n/a |
| Lounge visits | 10 | n/a |
| Min. income | n/a | n/a |
Frequently asked
- Is the Scotiabank Platinum American Express Card or the TD Low Rate Visa* Card better?
- Neither is universally better. The Scotiabank Platinum American Express Card charges a $399 annual fee at 9.99% purchase APR, while the TD Low Rate Visa* Card charges — at 12.90%. 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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