{"id":470736,"date":"2026-02-23T08:00:00","date_gmt":"2026-02-23T13:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/new-offer-scotiabank-gold-american-express\/"},"modified":"2026-01-12T09:12:38","modified_gmt":"2026-01-12T14:12:38","slug":"new-offer-scotiabank-gold-american-express","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/offres\/cartes\/new-offer-scotiabank-gold-american-express\/","title":{"rendered":"Get up to 45,000 Scene+ points with the Scotiabank Gold American Express Card"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>The Scotiabank Gold American Express Card offers an attractive promotion in 2026: up to 45,000 Scene+ points (a value of $450). 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.<\/strong><\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-quelle-est-l-offre-de-bienvenue-actuelle-de-la-carte-american-express-or-de-la-banque-scotia-en-2026\">What is the current welcome offer for the Scotiabank Gold American Express Card in 2026?<\/h2>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h3 id=\"scotiabank_gold_american_express_card\">Scotiabank Gold American Express&reg; Card<\/h3>\n\t\t\t\t<p>The <strong>Scotiabank Gold American Express Card<\/strong> offers an excellent welcome bonus.<\/p>\n<p><strong>Until July 1, 2026<\/strong>, you can get up to <strong>45,000 Scene+ points<\/strong> as a bonus, distributed as follows:<\/p>\n<ul>\n<li><strong>25,000 Scene+ points<\/strong> by spending $2,000 on the card within the first 3 months<\/li>\n<li><strong>20,000 Scene+ points<\/strong> by making $7,500 in purchases on the card in the first year<\/li>\n<\/ul>\n<p>This represents <strong>a value of up to $450<\/strong> for travel (including Airbnb). <\/p>\n<p>With the Scotiabank Gold American Express Card, you earn <strong>6 points per dollar spent<\/strong> at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 par IGA, Voil\u00e0 by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n<p>Also, you earn <strong>5 points per dollar<\/strong> for:<\/p>\n<ul>\n<li>Grocery stores<\/li>\n<li>Restaurants<\/li>\n<li>Entertainment centers<\/li>\n<\/ul>\n<p>And <strong>3 points per dollar<\/strong> on gas, transit and streaming services purchases.<\/p>\n<p>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+.<\/p>\n<p>The Scotiabank Gold American Express Card also offers <strong>no foreign transaction fees<\/strong>, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-choisir-cette-carte-du-programme-scene\">Why Choose this Card from the Scene+ Program?<\/h2>\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/sceneplus\/\">Scene+ program<\/a> is Scotiabank&#8217;s travel points loyalty program. This card is part of a complete ecosystem including the <a href=\"https:\/\/milesopedia.com\/en\/cartes-de-credit\/scotiabank-passport-visa-infinite-card\/\">Scotiabank Passport Visa Infinite Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/cartes-de-credit\/scotiabank-platinum-american-express\/\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card<\/a>.<\/p>\n\n<p>You can have a <strong>single Scene+ account<\/strong> combining your different credit cards, allowing you to accumulate many points both through sign-up bonuses and generous accumulation on certain spending categories.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642,22456,22640,22639,22641,22638\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-fonctionne-l-accumulation-de-points-scene\">How Does Scene+ Points Accumulation Work?<\/h2>\n\n<p>The card offers a tiered accumulation system that is particularly generous for everyday spending:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-6-points-par-dollar-epiceries-partenaires\">6 Points per Dollar: Partner Grocery Stores<\/h3>\n\n<p>You earn <strong>6 points per dollar spent<\/strong> at Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 par IGA, Voil\u00e0 by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry and Co-Op.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-5-points-par-dollar-categories-essentielles\">5 Points per Dollar: Essential Categories<\/h3>\n\n<p>You accumulate <strong>5 points per dollar<\/strong> on purchases at:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Grocery stores<\/strong> and supermarkets (including Metro, Super C)<\/li>\n\n\n\n<li><strong>Restaurants<\/strong> (food service, beverages, fast food, delivery services like Good Food or Hello Fresh)<\/li>\n\n\n\n<li><strong>Entertainment venues<\/strong> (cinemas, live productions, ticket agencies, concerts)<\/li>\n<\/ul><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-3-points-par-dollar-transport-et-services\">3 Points per Dollar: Transportation and Services<\/h3>\n\n<p>You accumulate <strong>3 points per dollar<\/strong> on purchases at:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Gas stations<\/strong> and automated fuel dispensers<\/li>\n\n\n\n<li><strong>Public transit<\/strong> (local transit, commuter, ferries, trains, taxis, limousines, coach bus)<\/li>\n\n\n\n<li><strong>Streaming services<\/strong> (Netflix, etc.)<\/li>\n<\/ul><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-1-point-par-dollar-tous-les-autres-achats\">1 Point per Dollar: all other Purchases<\/h3>\n\n<p>Everywhere else, and abroad, you will accumulate <strong>1 point per dollar spent<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-strategie-avancee-les-cartes-cadeaux-en-epicerie\">Advanced Strategy: Gift Cards at Grocery Stores<\/h3>\n\n<p>You can earn <strong>5 or 6 points per dollar<\/strong> in grocery stores, which is great since that&#8217;s where you can <a href=\"https:\/\/milesopedia.com\/academie\/astuces-de-travel-hacking\/cartes-de-credit\/travel-hacking-cartes-cadeaux\">buy a wide variety of gift cards<\/a>!<\/p>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/IMG_6773-1024x706.jpg\" alt=\"IMG 6773\" loading=\"lazy\" width=\"1012\" height=\"698\">\n\t\t\t<\/figure>\n\n<p>Finally, through gift cards, you can <strong>earn 5 to 6 points per dollar for many other stores<\/strong>: SAQ, Amazon, Ikea, Gap, Aldo, Home Depot, etc.<\/p>\n\n<p>To find out more about <a href=\"https:\/\/milesopedia.com\/academie\/astuces\/cartes-credit\/travel-hacking-cartes-cadeaux\">our gift card points strategy, click here<\/a>!<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-quelle-est-la-limite-annuelle-d-accumulation\">What is the Annual Accumulation Limit?<\/h3>\n\n<p>The annual spending limit in bonus categories is <strong>$50,000<\/strong>. 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.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-utiliser-vos-points-scene-pour-voyager\">How to Use your Scene+ Points for Travel?<\/h2>\n\n<p><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">You can directly apply your <strong>Scene+ points<\/strong> to your <strong>travel expenses<\/strong> (flights, hotels, Airbnb, car rentals, etc.) charged to the card: <strong>10,000 Scene+ points = $100<\/strong>.<\/span><\/p>\n\n<p>So, <strong>45,000 Scene+ points = $450<\/strong> in travel credit.<\/p>\n\n<p>This is also one of the cards we recommend in these strategies:<\/p>\n\n<div class=\"component component__list links\"><ul class=\"wp-block-list is-style-links\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-airbnb\/\">Save on your airbnb rental<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/save-money-flights\/\">How to Save on Flights with Points?<\/a><\/li>\n<\/ul><\/div>\n\n<p>You must use at least 5,000 points ($50) when redeeming (after this threshold, redemptions are made at the rate of 100 points = $1).<\/p>\n\n<p>By using your <strong>Scene+ points<\/strong> against travel expenses, <strong>you ensure a return of 1 to 6%<\/strong> depending on the merchant where you accumulated them.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-quels-sont-les-avantages-exclusifs-de-cette-carte\">What are the Exclusive Benefits of this Card?<\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"h-service-de-conciergerie-24-7\">24\/7 Concierge Service<\/h3>\n\n<p>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.<\/p>\n\n<p>This service can help you get <strong>access to restaurant tables<\/strong> &#8220;fully booked&#8221; or create personalized activity lists for your travel destinations.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-acces-aux-offres-american-express\">Access to American Express Offers<\/h3>\n\n<p>This card is part of the American Express network, so <strong>you can access American Express online offers<\/strong>, including <a target=\"_blank\" href=\"\/?p=89755\">Shop Small<\/a>.<\/p>\n\n<p>It&#8217;s handy if you don&#8217;t have (or no longer have) American Express cards from American Express Canada! Simply register your card <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/ca\/en\/network\/shopping.html\">on this page<\/a>.<\/p>\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/07\/offres-reseau-amex-scotia-en-.jpg\" alt=\"Amex Scotia Network Offers Fr\" loading=\"lazy\" width=\"1001\" height=\"721\">\n\t\t\t<\/figure>\n\n<h3 class=\"wp-block-heading\" id=\"h-service-avant-premiere-d-american-express\">American Express Front of the Line<sup>&reg;<\/sup> Service<\/h3>\n\n<p>As this is an American Express card, you also enjoy certain cardholder benefits such as &#8220;American Express Invites\/Front Of The Line.&#8221;<\/p>\n\n<p>This allows you to get <strong>front-of-the-line access<\/strong> to many experiences: concerts, plays, restaurants, movies, fashion, and shopping.<\/p>\n\n<p>To register for the service once you have your card, <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/ca\/fr\/entertainment\/tickets\">click here<\/a>!<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-quelles-assurances-sont-incluses-avec-cette-carte\">What Insurance is Included with this Card?<\/h2>\n\n<p>The Scotiabank Gold American Express<sup>&reg;<\/sup> Card provides comprehensive travel insurance coverage:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-assurance-soins-medicaux-de-voyage\">Travel Medical Insurance<\/h3>\n\n<p>Coverage is provided:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>for eligible individuals <strong>under 65 years old<\/strong> for a period of up to <strong>25 consecutive days<\/strong><\/li>\n\n\n\n<li>for individuals <strong>65 years and older<\/strong> for a period of up to <strong>3 consecutive days<\/strong>.<\/li>\n<\/ul><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-assurance-annulation-interruption-de-voyage\">Trip Cancellation \/ Trip Interruption Insurance<\/h3>\n\n<p>Charge at least 75% of your trip cost to your card and get trip cancellation\/interruption insurance at no additional cost.<\/p>\n\n<p>You, your spouse, a travel companion, and your eligible dependent children traveling with you automatically benefit from coverage of up to <strong>$1,500 per person<\/strong> (up to <strong>$10,000 per trip<\/strong>).<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-assurance-en-cas-de-retard-de-vol\">Flight Delay Insurance<\/h3>\n\n<p>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).<\/p>\n\n<p>You may be reimbursed for all eligible necessary and reasonable living expenses incurred due to a flight delay of at least <strong>four hours<\/strong>, <strong>up to $500 per insured person<\/strong> on the same trip.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-assurance-bagages-retardes-ou-perdus\">Delayed or Lost Baggage Insurance<\/h3>\n\n<p>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.<\/p>\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Lost Baggage:<\/strong> up to $1,000 coverage<\/li>\n\n\n\n<li><strong>Delayed Baggage:<\/strong> up to $1,000 for essential items if baggage is not delivered within 4 hours<\/li>\n<\/ul><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-autres-assurances-importantes\">Other Important Insurance<\/h3>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Common Carrier Accident Insurance:<\/strong> up to $500,000 per person<\/li>\n\n\n\n<li><strong>Rental Car Collision Insurance:<\/strong> full coverage (max 48 days, vehicles up to $65,000)<\/li>\n\n\n\n<li><strong>Hotel\/Motel Burglary Insurance:<\/strong> up to $1,000 in Canada and the United States<\/li>\n\n\n\n<li><strong>Purchase Security:<\/strong> 90 days protection + doubled warranty (lifetime limit $60,000)<\/li>\n<\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-carte-amex-or-scotia-vs-concurrence-comparaison-2026\">Scotia Gold Amex Card vs. Competitors: 2026 Comparison<\/h2>\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Features<\/strong><\/th><th><strong>Scotia Gold Amex<\/strong><\/th><th><strong>Competitor<\/strong> Cards<\/th><\/tr><\/thead><tbody><tr><td>Welcome Bonus<\/td><td>45,000 points ($450)<\/td><td>20,000-40,000 points<\/td><\/tr><tr><td>Grocery<\/td><td>5-6 points\/$<\/td><td>1-3 points\/$<\/td><\/tr><tr><td>Restaurants<\/td><td>5 points\/$<\/td><td>2-5 points\/$<\/td><\/tr><tr><td>Annual Fee<\/td><td>$120<\/td><td>$120-$150<\/td><\/tr><tr><td>Income Required<\/td><td>12 000$<\/td><td>$60,000+<\/td><\/tr><tr><td>Insurance<\/td><td>Comprehensive<\/td><td>Variable<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-avantages-et-inconvenients-analyse-complete\">Pros and Cons: Complete Analysis<\/h2>\n\n<h3 class=\"wp-block-heading\" id=\"h-avantages\">Benefits<\/h3>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Excellent welcome bonus (up to 45,000 points)<\/li>\n\n\n\n<li>Generous accumulation on groceries (5-6 points\/$)<\/li>\n\n\n\n<li>Scene+ points easily redeemable for travel or everyday expenses at a rate of 1,000 points = $10.<\/li>\n\n\n\n<li>Very accessible income requirement ($12,000)<\/li>\n\n\n\n<li>No foreign transaction fees for foreign currency transactions<\/li>\n\n\n\n<li>Full travel insurance<\/li>\n\n\n\n<li>24\/7 Concierge Service<\/li>\n\n\n\n<li>Highly profitable gift card strategy<\/li>\n<\/ul><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-inconvenients\">Cons<\/h3>\n\n<div class=\"component component__list red-cross\"><ul class=\"wp-block-list is-style-red-cross\">\n<li>Annual limit of $50,000 on bonus categories<\/li>\n\n\n\n<li>American Express acceptance sometimes limited<\/li>\n\n\n\n<li>Points not transferable to partners<\/li>\n<\/ul><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Bottom Line<\/h2>\n\n<p>This is <strong>the best card for earning points<\/strong> in the <strong>Scene+<\/strong> program.<\/p>\n\n<p>This Scotiabank Gold American Express<sup>&reg;<\/sup> Card will be very interesting for several profiles:<\/p>\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Those who do not want to pay a foreign currency conversion fee<\/li>\n\n\n\n<li>Those who want reliable insurance<\/li>\n\n\n\n<li>Those who don&#8217;t have the income required for other cards, since this one only needs an income of $12,000.<\/li>\n\n\n\n<li>Those who can earn lots of points through grocery purchases (think gift cards!).<\/li>\n\n\n\n<li>Those who already have one or more <strong>Scene+<\/strong> cards in their wallet.<\/li>\n<\/ul><\/div>\n\n<p>With this welcome offer, you can get up to 45,000 points (a value of $450).<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22640\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<p>Are you interested in the <a href=\"https:\/\/milesopedia.com\/en\/programme-fidelite\/sceneplus\/\">Scene+ program<\/a>? Check out these different offers for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/sceneplus\/\">Scene+ credit cards<\/a>:<\/p>\n\n<div class=\"component component__list links\"><ul class=\"wp-block-list is-style-links\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/scotia-passport-visa-infinite-offer\/\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card Welcome Offer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/scotia-amex-platinum-offer\/\">Scotiabank Platinum American Express<sup>&reg;<\/sup> Card Welcome Offer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/scotia-passport-visa-infinite-offer\/\">Scotiabank Passport Visa Infinite Card Welcome Offer<\/a><\/li>\n<\/ul><\/div>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"215866,80520,470736\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-questions-frequemment-posees\">Frequently Asked Questions<\/h2>\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_many_scene_points_can_i_get_with_the_2026_welcome_offer_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow many Scene+ points can I get with the 2026 welcome offer?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can get up to 45,000 Scene+ points (a value of $450). This offer requires meeting the minimum spending conditions within the timeframes specified in your application.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_difference_between_5_and_6_points_per_dollar_on_groceries_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the difference between 5 and 6 points per dollar on groceries?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You get 6 points per dollar at specific partner grocery stores (Sobeys, IGA, Safeway, Foodland, FreshCo, Voil\u00e0 by Sobeys, Voil\u00e0 par IGA, Voil\u00e0 by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les March\u00e9s Tradition, Rachelle B\u00e9ry, and Co-Op), and 5 points per dollar at all other grocery stores like Metro or Super C.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_really_accumulate_5-6_points_per_dollar_on_amazon_with_this_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I really accumulate 5-6 points per dollar on Amazon with this card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, thanks to the gift card strategy. You buy an Amazon gift card at a grocery store (5-6 points per dollar), then use it on Amazon. This method allows you to get the bonus rate on purchases that would normally only earn 1 point per dollar. This strategy also works for SAQ, Ikea, Gap, Aldo, Home Depot, and many other retailers.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_minimum_income_required_for_this_card_in_2026_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the minimum income required for this card in 2026?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_to_use_my_45_000_scene_points_for_travel_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow to use my 45,000 Scene+ points for travel?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You can apply your points directly to your travel expenses charged to the card at a rate of 10,000 points = $100. So 45,000 points = $450 in travel credit. This works for flights, hotels, Airbnb, car rentals, etc. The minimum redemption is 5,000 points ($50).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_annual_limit_on_bonus_categories_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the annual limit on bonus categories?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_this_card_accepted_everywhere_like_visa_and_mastercard_cards_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs this card accepted everywhere like Visa and Mastercard cards?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"are_there_foreign_transaction_fees_with_this_card_abroad_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tAre there foreign transaction fees with this card abroad?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>The Scotiabank Gold American Express Card offers up to 45,000 Scene+ points ($450). Up to 6 points\/$ on groceries, 5 points\/$ on restaurants. Full guide.<\/p>","protected":false},"author":2464,"featured_media":395852,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48123],"tags":[],"mc_loyalty_program":[697],"class_list":["post-470736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartes","mc_issuer-scotiabank","mc_loyalty_program-sceneplus","tutorial-scene-plus-en","tutorial-scotiabank"],"acf":{"mc_approved_badge":false,"mc_card_used":22640,"mc_featured_card_specific":22640,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Scotiabank Gold American Express Card | 45,000 points | Milesopedia<\/title>\n<meta name=\"description\" content=\"The Scotiabank Gold American Express Card offers up to 45,000 Scene+ points ($450). Up to 6 points\/$ on groceries, 5 points\/$ on restaurants. Full guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/offres\/cartes\/new-offer-scotiabank-gold-american-express\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get up to 45,000 Scene+ points with the Scotiabank Gold American Express Card\" \/>\n<meta property=\"og:description\" content=\"The Scotiabank Gold American Express Card offers up to 45,000 Scene+ points ($450). Up to 6 points\/$ on groceries, 5 points\/$ on restaurants. 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