PC Financial PC World Elite Mastercard vs Scotiabank American Express Card
Both cards valued on the same spending, after fees. Year 1 against every year after shows which one keeps its value once the welcome bonus is gone.
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On a family's spending: Year 1 goes to Scotiabank American Express Card, every year after to Scotiabank American Express Card, and 3 years to Scotiabank American Express Card. Compare them on your own spending
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
after fees, points at their cash value. "~" marks estimates.
| Spending | PC Financial PC World Elite Mastercard | Scotiabank American Express Card | Ahead |
|---|---|---|---|
| Student | $610 | $703 | Scotiabank American Express Card |
| Couple | $1,452 | $1,556 | Scotiabank American Express Card |
| Family | $1,908 | $2,004 | Scotiabank American Express Card |
| Frequent traveller | $1,857 | $2,105 | Scotiabank American Express Card |
| Big spender | $3,906 | $4,139 | Scotiabank American Express Card |
Frequently asked questions
Which is better, PC Financial PC World Elite Mastercard or Scotiabank American Express Card?
Over 3 years, PC Financial PC World Elite Mastercard comes out ahead on 0 of 5 spending presets and Scotiabank American Express Card on 5. On a family's spending ($3,350 a month), Year 1 goes to Scotiabank American Express Card and every year after to Scotiabank American Express Card.
Why can the winner change after year 1?
Year 1 includes welcome bonuses and first-year fee waivers. From year 2 only rewards on spending, ongoing credits and the full annual fee count, so a card with a bigger bonus can fall behind.
Sources
Estimates for information only; not financial advice. See how cards are ranked.