45,000 Points and First-Year Free with the Scotiabank Gold American Express^® Card

With the Scotiabank Gold American Express^® Card, you can earn 5 points/dollar at:

• grocery stores and supermarkets
• restaurants (including food outlets, beverage outlets and fast food outlets and food delivery outlets such as Good Food or Hello Fresh)
• entertainment venues (including cinemas, theatre, ticket agencies, and groups, orchestras and other artists).

In addition, as of October 1, 2022, you earn 6 points for every $1 in 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.

With the Scotiabank Gold American Express^® Card, you can earn 3 points/dollar at:

• gas stations (and Automated Fuel Dispensers)
• daily transit (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services)
• Select Streaming Services (such as Netflix)

Everywhere else, and abroad, you earn 1 point/dollar with your Scotiabank Gold American Express^® Card.

The fact that you can earn 5 points / dollar in grocery stores is very appealing because it’s a place where you can find a lot of gift cards!

So you can earn 5 points / dollar for many other stores: SAQ, Amazon, Gap, Aldo, Home Depot, etc.

To learn more about the strategy of earning points with gift cards, read this article!

The annual purchase limit in the 3 and 5 point/dollar categories is $50,000. Once you cross this limit, you earn 1 point/dollar.

Also abroad, you earn 1 point/dollar in all categories.

You can apply your Scene+ points directly to your travel purchases (flights, hotels, Airbnb, car rentals, etc.) charged to the card: 10,000 Scene+ points = $100.

Therefore, 45,000 Scene+ points = $450.

This is one of the cards we recommend in these strategies:

• Save on your airbnb rental
• How to save money on flights with points?

You must redeem at least 5,000 points or $50 (after this threshold, the redemption ratio is 100 points = $1).

By using your Scene+ points for travel expenses, you are guaranteed a return of 1-5% depending on your purchases.

If you need help with your restaurant reservations or finding tickets for a show, the concierge service – provided by American Express – is available 24 hours a day, seven days a week.

I have used it several times to get a table in “sold-out” restaurants. Or to make me a list of things to do/see in a city I was planning to visit (Seoul, South Korea).

As it is an American Express card, you also have some benefits offered to cardmembers such as “American Express Invites”.

You can get to the Front of the Line for many experiences: concerts, theatres, restaurants, cinema, fashion and shopping.

To sign up for the service once you get your Scotiabank Gold American Express^® Card, it’s here!

With the Scotiabank Gold American Express^® Card, you have reliable travel insurance:

Coverage is provided

• for eligible persons under age 65 for up to 25 consecutive days
• and for eligible persons age 65 and older for up to 3 consecutive days.

Charge at least 75% of your trip costs to your Card and get trip interruption insurance at no extra cost.

You, your spouse, one travelling companion and your eligible dependent children travelling with you, are automatically insured for up to $1,500 per person for eligible expenses (maximum $10,000 per trip)

Charge at least 75% of the full ticket cost to your Scotiabank Gold American Express^® Card and you’ll be eligible for reimbursement of necessary expenses, such as hotel accommodations, meals, and other emergency items.

You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $500 per insured person on the same trip.

Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.

The lost luggage benefit is limited to the lesser of the value of the covered luggage or the actual replacement cost of the lost or stolen covered luggage, to a combined maximum of $1,000.

The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence).

Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.

When you check into any hotel or motel in Canada or the United States and pay the entire bill with your Scotiabank Gold American Express CardIn the event of a break-in to your room, you, your spouse and dependent children traveling with you will be eligible for theft of personal property coverage.

Should your claim exceed the amount reimbursable by the hotel, and/or any applicable insurance protection, your coverage picks up the balance, up to a maximum of $1,000.

Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year. (Maximum lifetime liability of $60,000)

This is the best card to earn Scene+ points.

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

• Those who do not want to pay a foreign currency conversion fee
• Those who want reliable insurance
• Those who do not have the required income for other premium cards as it requires a $12,000 income only.
• Those who can earn many points through grocery shopping (think gift cards!)
• Those who already have one or more Scene+ cards in their wallet
• Those who have a Scene+ points balance (earned with the Scotiabank Passport™ Visa Infinite* Card) and would like to cancel their current card … and still keep their Scene+ points through this new card

With this great offer, you can earn up to 45,000 points (a $450 value). And the first year is free (which is rare for this card)!