Scotiabank Gold American Express® Card  🇨🇦

scotiabank gold american express card
Welcome Bonus
Up to 45,000 Scene+ points
Ends Jan 2, 2025
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Annual Fee
$120
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
Balance Transfer Rates
22.99 %
Epicerie-MeilleureCarteDeCredit-Milesopedia-2024

scotiabank gold american express card
Scotiabank Gold American Express® Card
Up to 45,000 Scene+ points
Ends Jan 2, 2025
Apply Now
Updated Dec 21, 2024

Offer

  • Earn up to $950* in value in the first 12 months, including up to 45,000 bonus Scene+ points and an annual fee waiver for the first year.
  • 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.
  • 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.
  • No Foreign Transaction Fee
  • Comprehensive Travel Insurance coverage

Card Awards

Epicerie-MeilleureCarteDeCredit-Milesopedia-2024
Best credit card – families
Best credit card – groceries
Best Amex travel credit card with no conversion fee
Best Amex travel credit card for gas and transportation

Fees & Conditions

Personal Income $12,000
Household Income $12,000
Annual Fee $120
First Year Annual Fee Rebate
First Additional Card $29
Other Additional Card $29
Foreign Transaction Fee 0.00%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Jan 2, 2025
Welcome Bonus amount Up to 45,000 Scene+ points
Minimum Spending Required $7,500
Minimum Spending Timeframe (Months) 12 month(s)
Concierge

Earnings

Per dollar of purchases

All Spending 1 Scene+ Point
Groceries 5 Scene+ points
Gas 3 Scene+ points
Dining and Food delivery 5 Scene+ points
Convenience Stores 1 Scene+ Point
Drugstores 1 Scene+ Point
Local Transport 3 Scene+ points
Travel 1 Scene+ Point
Entertainment 5 Scene+ points
Recurring Payments 1 Scene+ Point
Telecom/Internet 1 Scene+ Point
Streaming services 3 Scene+ points
Online transactions 1 Scene+ Point
Office Supplies 1 Scene+ Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$1,000,000
25 day(s)
Travel medical insurance up to 64 years old
$1,000,000
25 day(s)
Travel medical insurance 65+
$1,000,000
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$1,000

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
Insurance Document

Our review

The Scotiabank Gold American Express® Card only requires a minimum income of $12,000, making it accessible to the greatest number of people.

Until January 2, 2025, you can earn up to 45 000 Scene+ points in the first year, a value of $450 for travel (including Airbnb). Plus, there is a first-year annual fee rebate!

We strongly advise you to apply for this card before January 2, 2025, because the next offer may be less appealing.

With the Scotiabank Gold American Express® Card, you earn 6 points per dollar spent 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.

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 currency transaction fees, excellent travel and purchase insurance, concierge service and exclusive American Express benefits (Front of the Line Program).

Frequently Asked Questions

Alternative Cards

4 Milesopedia Rating

Receive our newsletter every week!

Savings are here:

Milesopedia