Scotiabank Gold American Express

The Scotiabank Gold American Express card earns Scene+ rewards on all purchases and is available to individuals in Canada.

This card earns 5x Scene+ points on grocery, restaurant, and entertainment purchases. No foreign exchange fees are charged when using this card for international purchases.

Read our full review here.

Interested in applying for the Scotiabank Gold American Express card? Earn an additional $160 cash back through Frugal Flyer Rebates.

Earning Rewards

The Scotiabank Gold American Express card accrues Scene+ Rewards points for all eligible purchases made on the card:

  • Earn 5 Scene+ points for every dollar spent at eligible grocery stores, restaurants, fast food, drinking establishments, food delivery services, food box subscriptions, and eligible entertainment purchases (including movies, theatre, and ticket agencies).
  • Earn 3 Scene+ points for every dollar spent on eligible gas, daily transit services, rideshare services, and select streaming services.
  • Earn 1 Scene+ point for every dollar spent on all other purchases.

The 5x and 3x Scene+ bonus points multipliers are applicable on all purchases up to a combined total of $50,000 during a calendar year. Upon reaching the $50,000 threshold, all purchases will earn 1 Scene+ point per dollar spent.

Redeeming Rewards

Scene+ rewards points can be redeemed for travel rewards or trip expenses, shopping, a statement credit, dining, entertainment, movie tickets, and more.

If you are looking to redeem points, the best value is to apply them against any travel purchase made on your card at the rate of 1 cent per point. This means that you would be able to redeem 10,000 Scene+ points for $100 in statement credit for trip costs, such as hotel accommodations, flight bookings, or rental cars.

Cardholders are also able to redeem points on post-purchase travel redemptions. This means that you can redeem points towards a flight that has already occurred, provided the booking charge was made to your card.

Benefits & Perks

The Scotia Gold American Express card offers no foreign exchange fees when online shopping or traveling, saving you 2.5% on every transaction that is made in a currency other than Canadian dollars. Cardholders will pay only the exchange rate when completing foreign currency transactions. This makes the Scotia Gold Amex a great card to use when you are abroad since saving the 2.5% foreign transaction fees can add up quickly.

As this card is part of the American Express network, cardholders are also eligible to access American Express offers. These offers can result in money saved at retailers, restaurants, travel, and more. The current list of offers can be found here. In order to be eligible, cardholders will need to register for the offer they are interested in.

Insurance Coverage

The Scotia Gold American Express credit card offers a strong package of insurance coverages:

  • Travel emergency medical insurance
  • Trip cancellation & trip interruption insurance
  • Travel accident insurance
  • Car rental theft and damage insurance
  • Lost luggage benefit
  • Stolen baggage insurance
  • Flight delay insurance
  • Delayed luggage benefit
  • Hotel burglary insurance
  • Purchase security
  • Extended warranty protection

Refer to the Scotiabank Gold American Express certificate of insurance for additional details, including terms and conditions for eligibility.

Other Scene+ Rewards Cards You Might Consider

Credit Card Welcome Bonus Net Value
Scotiabank Platinum American Express 60,000 Scene+ $201 Apply
Scotiabank Passport Visa Infinite 25,000 Scene+ $111 Apply
Scotiabank American Express 10,000 Scene+ $100 Apply
Scotiabank Scene Visa 5,000 Scene+ $50 Apply

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