Pros
- ✓Welcome Bonus: 45,000 points
- ✓Up to 5x on Groceries
- ✓Airport lounge access
- ✓Purchase protection included
- ✓Travel medical insurance included
- ✓No foreign transaction fees
Cons
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Our Review
The Scotiabank Gold American Express Card offers an excellent welcome bonus.
Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:
- 25,000 Scene+ points by spending $2,000 on the card within the first 3 months
- 20,000 Scene+ points by making $7,500 in purchases on the card in the first year
This represents a value of up to $450 for travel (including Airbnb).
With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you earn 5 points per dollar for:
- Grocery stores
- Restaurants
- Entertainment centers
And 3 points per dollar on gas, transit and streaming services purchases.
You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.
Offer ends: 2026-07-01
Rewards
All Spending
1x
Scene+ pts per dollar
Groceries
5x
Entertainment
5x
Streaming
3x
Restaurants
5x
Transit
3x
Gas
3x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
75,840
Scene+/yr
Estimated Value
$758
After Fees
+$638
1st Year Value
$1,088
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $1,000,000 / 25 days
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Hotel Burglary
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate20.99%
- Cash Advance22.99%
- Foreign Transaction Fee0%
Perks & Benefits
Airport Lounge
0 visits/year
Concierge Service
24/7
Eligibility
Personal Income
$12,000
Household Income
$12,000
Terms & Conditions
Card Features
- Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.
- You will not pay 2.5% in transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
- Earn 6x Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- Earn 5x Scene+ points for every $1 you spend on restaurant, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points for every $1 you spend in Canada on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores. Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more.
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming services.
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases. Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- No Foreign Transaction Fee
- Comprehensive Travel Insurance coverage
FAQ
What are the annual fees for the Scotiabank Gold American Express Card?
This card has an annual fee of $120.
How does the Scene+ points program work with this card?
Earn 5 Scene+ points per dollar spent in specific categories and 3 points per dollar spent elsewhere.
Is there a welcome bonus for new members?
Yes, there’s a special welcome offer in Scene+ points.
Does the card offer any travel benefits?
Yes, it includes travel benefits and allows you to redeem points for travel.
Which insurance coverages are included?
It includes full travel insurance, including cancellation insurance.
What other features does the card offer?
Contactless payment and compatibility with mobile payment services.
Where can I use the Scotiabank Gold American Express Card in Quebec or Canada?
You can use your Scotiabank Gold American Express Card at grocery stores like IGA, Metro, Super C, Safeway, Whole Foods, your Couche-Tard or 7-Eleven convenience store, your favorite gas station like Esso, Shell, Petro-Canada, or any travel provider!
Legal
*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Scotia. All trademarks are property of their respective owners.