Which has the lower annual fee, Marriott Bonvoy American Express Card or Scotiabank Platinum American Express?

The Marriott Bonvoy American Express Card has a $150 annual fee, while the Scotiabank Platinum American Express charges $399/year.

Which card is better for groceries, Marriott Bonvoy American Express Card or Scotiabank Platinum American Express?

The Marriott Bonvoy American Express Card earns 1.6% on groceries, while the Scotiabank Platinum American Express earns 1.6x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Marriott Bonvoy American Express Card accepted everywhere in Canada?

The Marriott Bonvoy American Express Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

Marriott Bonvoy American Express Card vs Scotiabank Platinum American Express — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Scotiabank Platinum American Express wins by $580/yr — strongest in travel

Marriott Bonvoy American Express Card earns $58 more on travel
Scotiabank Platinum American Express earns $38 more on bills & utilities
$800 welcome bonus advantage
$249 higher annual fee, offset by rewards

Travel: +$58Bills & Utilities: +$38Gas: +$29

Marriott Bonvoy American Express Card: $30/yr in foreign transaction fees

Marriott Bonvoy American Express Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

Scotiabank Platinum American Express: $30/yr in foreign transaction fees

Scotiabank Platinum American Express (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

Showing Year 1 analysis

Dollar Value

$346

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$73

Annual rewards earned+$526

FX costs−$30

Annual fee−$150

Winner

$926

/first year

2.2% effective$77/mo

vs 1% no-fee card: +$507

Annual rewards earned+$555

Welcome bonus+$800

FX costs−$30

Annual fee−$399

Best for your spendingScotiabank Platinum American Express—$926Year 1 value

+$580 more than Marriott Bonvoy American Express Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

Scotiabank Platinum American Express wins by $580/yr — strongest in travel

Marriott Bonvoy American Express Card earns $58 more on travel
Scotiabank Platinum American Express earns $38 more on bills & utilities
$800 welcome bonus advantage
$249 higher annual fee, offset by rewards

Travel: +$58Bills & Utilities: +$38Gas: +$29

Showing Year 1 analysis

Year-over-Year

Year 1

Scotiabank Platinum American Express

by $580 — welcome bonus advantage

Year 2+

Marriott Bonvoy American Express Card

by $220 — ongoing earn advantage

Scotiabank Platinum American Express wins Year 1 thanks to a better welcome bonus, but Marriott Bonvoy American Express Card earns more ongoing. Consider how long you plan to hold the card.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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