Scotiabank Gold American Express® Card
- Industry-leading earn rate of 6x Scene+ points at Sobeys, Safeway, and FreshCo.
- Earn 5x points on dining, food delivery, and entertainment, plus 3x points on gas and transit.
- Zero foreign transaction fees, providing a massive advantage for international travelers and cross-border shoppers.
- Amex Experiences access including Front Of The Line presale ticket allocations.
This card is one of Scotiabank's strongest everyday earners for Canadians who spend heavily on groceries, dining and entertainment. It also stands out for combining premium rewards with no foreign transaction fees on foreign currency purchases.
Welcome bonus
Earn up to 45,000 bonus Scene+ points in the first year.
worth approximately $450
~$450 first-year value
Earn rates
Estimate annual rewards
You'd earn ~72,000 points/year worth approximately $720
Key facts
Annual fee
$120.00
$29 for Additional Card.
Purchase APR
20.99%
Cash advance APR
22.99%
Foreign transaction fee
None
Income required
$12,000 personal
Credit score
660+
Quebec residents — terms may differ
Standard interest rates apply in Quebec (20.99% / 22.99%), with a mandatory 5% minimum monthly payment.
Rates and fees sourced from Scotiabank's official card page →
Perks & benefits
Industry-leading earn rate of 6x Scene+ points at Sobeys, Safeway, and FreshCo.
Earn 5x points on dining, food delivery, and entertainment, plus 3x points on gas and transit.
Zero foreign transaction fees, providing a massive advantage for international travelers and cross-border shoppers.
Amex Experiences access including Front Of The Line presale ticket allocations.
Insurance coverage
- Travel emergency medical ($1M, 25 days under 65, 3 days 65+).
- Trip cancellation/interruption.
- Flight delay ($500) and baggage ($1,000).
- Rental car ($65K MSRP).
- Hotel/motel burglary ($1,000).
- Purchase security (90 days) and extended warranty.
Pros & cons
Pros
- Excellent earn rates on groceries, dining and entertainment
- No foreign transaction fees improve travel and online value
- Lower income requirement than many premium rewards cards
- Scene+ points are flexible for travel and statement-style use
Cons
- American Express acceptance is lower than Visa or Mastercard
- Annual fee can be hard to justify for lighter spenders
- Best grocery rate depends on shopping at eligible partner banners
- Welcome offer excludes many recent Scotiabank cardholders
Eligibility requirements
- Canadian resident, age of majority.
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Scotiabank Gold American Express® Card
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