Get up to 50,000 Scene+ points | Scotiabank Gold Amex

In 2026, the Scotiabank Gold American Express^® Card comes with a strong welcome offer: up to 50,000 Scene+ points (a $500 value). With up to 6 points per dollar on groceries and 5 points per dollar at restaurants, it’s one of the best cards in the Scene+ program for earning travel rewards.

What is the current welcome offer for the Scotiabank Gold American Express^® Card in 2026?

Carte American Express^MD Or de la Banque Scotia^MD*

La Carte American Express Or de la Banque Scotia propose une excellente prime de bienvenue.

Jusqu’au 1er novembre 2026, vous pouvez obtenir jusqu’à 50 000 points Scène+ en prime, repartis comme suit :

30 000 points Scène+ en portant 2 000 $ d’achats sur la carte au cours des 3 premiers mois
20 000 points Scène+ en portant 7 500 $ d’achats sur la carte dans la première année

Cela représente une valeur jusqu’à 500 $ pour des voyages (dont Airbnb).

Avec la Carte American Express Or de la Banque Scotia, vous obtenez 6 points par dollar d’achat dans les épiceries Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry et Co-Op.

Également, vous obtenez 5 points par dollar d’achat dans les :

Épiceries
Restaurants
Centres de divertissement

Et 3 points par dollar d’achat pour l’essence, les transports en commun et les services de diffusion en continu.

Ces points peuvent être utilisés contre tout achat de voyage (billets d’avions, hôtels, tout-inclus et même Airbnb). Vous pouvez également utiliser vos points comme des remises en argent avec Scène+.

La Carte American Express Or de la Banque Scotia offre également aucuns frais pour les transactions en devises étrangères, d’excellentes assurances pour vos voyages ou achats, un service de conciergerie, des avantages exclusifs American Express comme le programme Avant-première.

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Scotiabank Gold American Express^® Card

Scotiabank Scene+

Annual fee: $120
Our valuation: $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 50,000 points; Ends Nov 1, 2026

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:

30,000 Scene+ points by charging $2,000 in purchases to 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 $500 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.

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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 additional bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions).
Rates, fees, features and benefits, which are described in the application statement, are subject to change.

Annual fee

Primary card$120

Additional card$29

Annual income required

Individual$12,000

Household$12,000

Conversion fees

Earning rate

6xWith the partner brand
5xGroceries
5xEntertainment
5xRestaurants
3xStreaming
3xTransit
3xGas & EV
1xAll spending

Value

1st Year Value$1,460

2nd Year Value$461

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $1,000,000 / 25 days

Travel medical (55-64)Up to $1,000,000 / 25 days

Travel medical (65+)Up to $1,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

Why Choose this Card from the Scene+ Program?

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.

Our credit card selection
Credit card	Annual fee	Welcome offer
Scotiabank Passport^® Visa Infinite +* Card Apply NowCompare	Annual fee$150	Welcome offer Up to 35,000 pointsEnds Nov 1, 2026	Apply NowCompare
SponsoredScotiabank Gold American Express^® Card Apply NowCompare	Annual fee$120	Welcome offer Up to 50,000 pointsEnds Nov 1, 2026	Apply NowCompare
Scotiabank^®* Platinum American Express^® Card Apply NowCompare	Annual fee$399	Welcome offer Up to 100,000 pointsEnds Nov 1, 2026	Apply NowCompare
Scotiabank Passport^® Visa Infinite Privilege* Card Apply NowCompare	Annual fee$599	Welcome offer Up to 80,000 pointsEnds Nov 1, 2026	Apply NowCompare
Scotiabank^® Scene+^™ Visa* Card Apply NowCompare	Annual fee$0	Welcome offer Up to 5,000 pointsEnds Nov 1, 2026	Apply NowCompare
Scotiabank American Express^® Card Apply NowCompare	Annual fee$0	Welcome offer Up to 10,000 pointsEnds Nov 1, 2026	Apply NowCompare

How Does Scene+ Points Accumulation Work?

The card offers a tiered accumulation system that is particularly generous for everyday spending:

6 Points per Dollar: Partner Grocery Stores

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.

5 Points per Dollar: Essential Categories

You accumulate 5 points per dollar on purchases at:

Grocery stores and supermarkets (including Metro, Super C)
Restaurants (food service, beverages, fast food, delivery services like Good Food or Hello Fresh)
Entertainment venues (cinemas, live productions, ticket agencies, concerts)

3 Points per Dollar: Transportation and Services

You accumulate 3 points per dollar on purchases at:

Gas stations and automated fuel dispensers
Public transit (local transit, commuter, ferries, trains, taxis, limousines, coach bus)
Streaming services (Netflix, etc.)

1 Point per Dollar: all other Purchases

Everywhere else, and abroad, you will accumulate 1 point per dollar spent.

Advanced Strategy: Gift Cards at Grocery Stores

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!

Mon mini tour du monde sur 5 continents: le parcours de deux étudiantes - IMG 6773

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!

What is the Annual Accumulation Limit?

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.

How to Use your Scene+ Points for Travel?

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.

What are the Exclusive Benefits of this Card?

24/7 Concierge Service

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.

Access to American Express Offers

Since this card is part of the American Express network, 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.

Carte American Express Platine de la Banque Scotia : Une carte pour grands voyageurs - Offres Reseau Amex Scotia Fr

American Express Front of the Line^® Service

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!

What Insurance is Included with this Card?

The Scotiabank Gold American Express^® Card provides comprehensive travel insurance coverage:

Travel Medical Insurance

Coverage is provided:

for eligible individuals under 65 years old for a period of up to 25 consecutive days
for individuals 65 years and older for a period of up to 3 consecutive days.

Trip Cancellation / Trip Interruption Insurance

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).

Flight Delay Insurance

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.

Delayed or Lost Baggage Insurance

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.

Lost Baggage: up to $1,000 coverage
Delayed Baggage: up to $1,000 for essential items if baggage is not delivered within 4 hours

Other Important Insurance

Common Carrier Accident Insurance: up to $500,000 per person
Rental Car Collision Insurance: full coverage (max 48 days, vehicles up to $65,000)
Hotel/Motel Burglary Insurance: up to $1,000 in Canada and the United States
Purchase Security: 90 days protection + doubled warranty (lifetime limit $60,000)

Scotia Gold Amex Card vs. Competitors: 2026 Comparison

Features	Scotia Gold Amex	Competitor Cards
Welcome Bonus	50 000 points (500$)	20,000-40,000 points
Grocery	5-6 points/$	1-3 points/$
Restaurants	5 points/$	2-5 points/$
Annual Fee	$120	$120-$150
Income Required	12 000$	$60,000+
Insurance	Comprehensive	Variable

Pros and Cons: Complete Analysis

Benefits

Excellent welcome offer (up to 50,000 points)
Generous accumulation on groceries (5-6 points/$)
Scene+ points easily redeemable for travel or everyday expenses at a rate of 1,000 points = $10.
Very accessible income requirement ($12,000)
No foreign transaction fees for foreign currency transactions
Full travel insurance
24/7 Concierge Service
Highly profitable gift card strategy

Cons

Annual limit of $50,000 on bonus categories
American Express acceptance sometimes limited
Points not transferable to partners

Conclusion

This is the best card for earning points in the Scene+ program.

This Scotiabank Gold American Express^® Card will be very interesting for several profiles:

Those who do not want to pay a foreign currency conversion fee
Those who want reliable insurance
Those who don’t have the income required for other cards, since this one only needs an income of $12,000.
Those who can earn lots of points through grocery purchases (think gift cards!).
Those who already have one or more Scene+ cards in their wallet.

With this welcome offer, you can get up to 50,000 points (a $500 value).