Offer
- Earn up to 40,000 bonus Scene+ points in your first year(that’s up to $400 towards travel).1
- Plus, no annual fee in the first year, including on supplementary cards11 and get a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee).1.
- Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments.
- Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases.
- Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit.
- Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
- Earn 1X Scene+ point for every $1 spent on every other purchase.
- Enjoy no FX Mark-up
- Complimentary Concierge Services 24/7
- Amex exclusive benefits (Front Of The Line)
Card Awards
Fees & Conditions
Value
Reward points value
We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.
First-year value
For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:
- Grocery
- Gas/Transit
- Meals
- Travel
- Bills
- Other purchases
First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards – First-Year Annual Fee
Value of subsequent years
For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.
Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) – Annual fee
VIP lounges:
For credit cards with complimentary airport lounge access, this benefit is calculated as follows:
- 1 access = $40
- Unlimited access = $400 (the value of 10 annual visits)
Advantages
Earnings
Insurance
Legal
1 1 The 40,000 Bonus Scene+ points First Year Annual Fee Waiver and Introductory 0.00% Balance Transfer Rate Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by February 28, 2022 and is subject to the below terms and conditions. Offers may be changed, cancelled or extended and cannot be combined with any other offers.
40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional 20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers,Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The additional 20,000 bonus points will be credited to the primary card ‘s Scene+ account within two to three business days after the $7,500 annual purchase threshold is reached. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.
Eligibility and Exclusions : Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.