Scotiabank® Gold American Express® Card  🇨🇦

Welcome Bonus
Up to 40 000 Scene+ points
Ends Jul 1, 2024
  • 5X points on groceries and dining
  • No Foreign Transaction Fee
  • American Express Online Promotional Offers
Annual Fee
120 $
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 40 000 Scene+ points
Ends Jul 1, 2024
Apply Now

Offer

  • Earn up to $650* in savings and rewards in the first 12 months, including up to 40,000 bonus Scene+ points.
  • You will not pay 2.5% foreign 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 CAD in eligible purchases at grocery stores, restaurants and entertainment centers.
  • Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
  • Earn 1X Scene+ point for every $1 spent on every other purchase

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 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 offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Jul 1, 2024
Welcome Bonus amount Up to 40 000 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 $12,000 minimum income, making it accessible to as many people as possible.

For a limited time, you can earn up to 40,000 points in the first year, which is a $400 value on travel purchases, 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 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

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

  • No Foreign Transaction Fee
  • Access to VIP Lounges
  • Visa Infinite Benefits
Learn More
Best No-FX Fee Credit Card In 2024
  • Earn up to $1,300* in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived*
  • Earn 3x Scene+ points* on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops and more
  • Earn 2x Scene+ points* for every $1 you spend on other eligible grocery stores, dining, eligible entertainment puchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
  • Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
  • No Foreign Transaction Fee
  • 6 Complimentary Airport Lounge Access
  • Comprehensive Travel Insurance coverage
  • Visa Infinite* Concierge Services
  • Visa Infinite* Hotel Collection
  • Visa Infinite* Dining and Wine Country program

Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

Legal

*Conditions apply.

Earning Rate
  • Groceries2Scene+ points
  • Dining and Food delivery2Scene+ points
  • Local Transport2Scene+ points
Value
  • Year 1 1 093 $
  • Year 2+ 397 $
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

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
2 500 $
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 $
  • No Foreign Transaction Fee
  • Premium Insurance
  • 10 Complimentary Visits to VIP Lounges
Learn More
  • Earn up to $2,100* in value in the first 14 months, including up to 60,000 bonus Scene+ points.
  • Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
  • Earn 2X Scene+ points for every $1 CDN in eligible gas and public transit purchases. Includes rideshare, buses, taxis, subway, and more.
  • Earn 2X Scene+ points for every $1 spent on all your other purchases.
  • You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
  • Enjoy 10 complimentary airport lounge passes per year
Legal

*Conditions apply.

Annual Fee
  • Primary card 399 $
  • Additional card 99 $
Annual Income Required
  • Individual 12 000 $
  • Household 12 000 $
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 9.99 %
  • Cash Advance Rates 9.99 %
  • Balance Transfer Rates 9.99 %
Earning Rate
  • All Spending2Scene+ points
  • Groceries2Scene+ points
  • Gas2Scene+ points
Value
  • Year 1 1 081 $
  • Year 2+ 481 $
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
2 000 000 $
31 day(s)
Travel medical insurance up to 64 years old
2 000 000 $
31 day(s)
Travel medical insurance 65+
2 000 000 $
10 day(s)
Trip Cancellation Insurance
2 500 $
Trip Interruption Insurance
2 500 $
Common Carrier Travel Accident Insurance
500 000 $
Flight Delay Insurance
1 000 $
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 $
  • No annual fee
  • 2X points at Scene+ grocery stores (IGA, Rachelle Béry, Sobeys, etc.)
Learn More
  • Earn up to 7500 bonus Scene+ points within your first 3 months
  • Earn 2X Scene+ points on all eligible purchases 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 2x Scene+ points for every dollar you spend with your Home Hardware credit card.
  • Earn 2x Scene+ points for every dollar in credit card purchases at Cineplex theatres or online at cineplex.com.
  • Earn 1 Scene+ point for every dollar in regular credit card purchases.
  • Redeem your Scene+ points for travel, sundries, entertainment, dining out, statement credits and more.
Legal

*Conditions apply.

Annual Fee
  • Primary card 0 $
  • Additional card 0 $
Annual Income Required
  • Individual 12 000 $
  • Household 12 000 $
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Groceries2Scene+ points
  • All Spending1Scene+ Point
  • Gas1Scene+ Point
Value
  • Year 1 340 $
  • Year 2+ 240 $
Best For
Transfer Partners
  • Scene+

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
4 Milesopedia Rating