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The Scotiabank Gold American Express® Card offers an exceptional promotion in 2025: up to 50,000 Scene+ points (a $500 value) plus the annual fee reimbursed for the first year. With up to 6 points per dollar on groceries and 5 points per dollar at restaurants, this card represents one of the best options in the Scene+ program to maximize your travel rewards.
The Scene+ program is Scotiabank’s travel points loyalty program. This card is part of a complete ecosystem including the Scotiabank Passport Visa Infinite Card and the Scotiabank Platinum American Express® Card.
You can have a single Scene+ account combining your different credit cards, allowing you to accumulate many points both through sign-up bonuses and generous accumulation on certain spending categories.
The card offers a tiered accumulation system that is particularly generous for everyday spending:
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.
You accumulate 5 points per dollar on purchases at:
You accumulate 3 points per dollar on purchases at:
Everywhere else, and abroad, you will accumulate 1 point per dollar spent.
You can earn 5 or 6 points per dollar in grocery stores, which is great since that’s where you can buy a wide variety of gift cards!
Finally, through gift cards, you can earn 5 to 6 points per dollar for many other stores: SAQ, Amazon, Ikea, Gap, Aldo, Home Depot, etc.
To find out more about our gift card points strategy, click here!
The annual spending limit in bonus categories is $50,000. Once this limit is reached, you will earn 1 point per dollar. You will also earn 1 point per dollar in all purchase categories when you travel abroad.
You can directly apply your Scene+ points to your travel expenses (flights, hotels, Airbnb, car rentals, etc.) charged to the card: 10,000 Scene+ points = $100.
So, 50,000 Scene+ points = $500 in travel credit.
This is also one of the cards we recommend in these strategies:
You must use at least 5,000 points ($50) when redeeming (after this threshold, redemptions are made at the rate of 100 points = $1).
By using your Scene+ points against travel expenses, you ensure a return of 1 to 6% depending on the merchant where you accumulated them.
If you need help with restaurant reservations or finding tickets for a show, the concierge service, provided by American Express, is available to you 24 hours a day, 7 days a week.
This service can help you get access to restaurant tables “fully booked” or create personalized activity lists for your travel destinations.
This card is part of the American Express network, so you can access American Express online offers, including Shop Small.
It’s handy if you don’t have (or no longer have) American Express cards from American Express Canada! Simply register your card on this page.
As this is an American Express card, you also enjoy certain cardholder benefits such as “American Express Invites/Front Of The Line.”
This allows you to get front-of-the-line access to many experiences: concerts, plays, restaurants, movies, fashion, and shopping.
To register for the service once you have your card, click here!
The Scotiabank Gold American Express® Card provides comprehensive travel insurance coverage:
Coverage is provided:
Charge at least 75% of your trip cost to your card and get trip cancellation/interruption insurance at no additional cost.
You, your spouse, a travel companion, and your eligible dependent children traveling with you automatically benefit from coverage of up to $1,500 per person (up to $10,000 per trip).
When you pay at least 75% of the cost of your tickets with your card, you are entitled to reimbursement for necessary expenses (e.g., the cost of a hotel room, meals, and other exceptional expenses).
You may be reimbursed for all eligible necessary and reasonable living expenses incurred due to a flight delay of at least four hours, up to $500 per insured person on the same trip.
When you pay the full cost of your airline, train, bus, or cruise tickets with your card, you are covered if your checked baggage is delayed or lost.
This is the best card in terms of Scene+ points earning rate.
This Scotiabank Gold American Express® Card will be very interesting for several profiles:
Thanks to this exceptional offer, you can get up to 50,000 points (a $500 value) and the fee reimbursed for the first year ($120 value), for a total value of $620.
Are you interested in the Scene+ program? Check out these different offers for Scene+ credit cards:
The minimum income required is only $12,000 per year, making it one of the most accessible premium cards on the Canadian market. This is significantly lower than most competitor cards, which generally require $60,000 or more in annual income.
You can apply your points directly to your travel expenses charged to the card at a rate of 10,000 points = $100. So 50,000 points = $500 in travel credit. This works for flights, hotels, Airbnb, car rentals, etc. The minimum redemption is 5,000 points ($50).
The annual limit is $50,000 in spending across all combined bonus categories (groceries, restaurants, entertainment, gas, transportation, streaming). Once this limit is reached, you will accumulate 1 point per dollar on all purchases. For most households, this limit is high enough not to be restrictive.
As an American Express card, acceptance may be slightly more limited than Visa or Mastercard, especially at some small merchants. However, the majority of large chains and online businesses accept American Express in Canada. It is recommended to have a backup Visa or Mastercard for the rare cases where Amex is not accepted.
No, this card does not impose any foreign transaction fees on purchases made in foreign currencies. This is a significant advantage for travelers, as you save the typical 2.5% fees imposed by most other cards. Abroad, you will accumulate 1 point per dollar on all purchases.
Savings are here (if you don’t see the sign-up form, please click here):
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