Interested in this credit card? Earn by applying through Frugal Flyer.
The Scotiabank Gold American Express card earns up to 6x Scene+ points at Empire grocery stores and charges no foreign exchange fees on purchases made in foreign currencies.
In 2025, we awarded this card as the Best Fixed Value Points Credit Card.
Check out our Scotiabank Gold American Express card review for more details.
Offers
Welcome Bonus
Eligible new applicants for the Scotiabank Gold American Express Card can receive a welcome bonus of up to 50,000 Scene+ points:
- Earn 30,000 Scene+ points upon spending $2,000 in the first 3 months
- Earn 20,000 Scene+ points upon spending $7,500 in the first year
FlyerFunds Rebate
Plus, if you apply for the Scotiabank Gold American Express Card through Frugal Flyer and are approved, you can receive an additional $150 paid directly to you.
Earning Scene+ Points
The Scotiabank Gold American Express card earns Scene+ points for all eligible purchases made on the card:
- 6 Scene+ points for every dollar spent 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.
- This is one of the best credit cards for grocery purchases in Canada.
- 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).
- Up to 4 Scene+ points for every dollar spent on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- 3 Scene+ points for every dollar spent on eligible gas, daily transit services, rideshare services, and select streaming services.
- 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 Scene+ Points
Scene+ points can be redeemed for maximum value when applied against any travel purchase made on your card at the rate of 1 cent per point. Eligible travel purchases cover a wide range of categories, including hotel accommodations, flight bookings, and rental cars.
Scene+ points can also be redeemed for shopping and dining purchases at participating retailers (including grocery and liquor purchases), entertainment purchases, movie tickets, a statement credit, and more. Some of these options present decent value, but you should never redeem Scene+ points for any value less than 1 cent per point.
Benefits
No Foreign Transaction Fees
The Scotiabank Gold American Express card offers no foreign exchange fees when making purchases in other currencies, saving cardholders 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 Scotiabank Gold American Express card a great card to use when traveling abroad since saving 2.5% on every foreign currency transaction can add up quickly.
American Express Offers
As this card is part of the American Express network, Scotiabank Gold American Express cardholders are also eligible to access American Express offers. These offers can result in money saved at retailers, restaurants, travel, and more. In order to be eligible, cardholders will need to register for the offer they are interested in. Cardholders can view the current available offers here.
Fees & Eligibility
| Personal Income | $12,000 |
| Household Income | $12,000 |
| Annual Fee | $120 |
| Foreign Exchange Fee | 0.00% |
| Purchase Rate | 20.99% |
| Cash Advance Rate | 22.99% |
| Balance Transfer Rate | 22.99% |
Insurance Coverage
The Scotiabank Gold American Express credit card offers a strong package of insurance coverages:
- Travel emergency medical insurance: $1,000,000 per person per trip (up to 25 days for cardholders aged 64 and under; up to 3 days for cardholders aged 65 and over)
- Trip cancellation insurance: $1,500 per person, up to $10,000 per trip
- Trip interruption insurance: $1,500 per person, up to $10,000 per trip
- Travel accident insurance: $500,000 of accidental death and dismemberment coverage
- Car rental theft and damage insurance: Comprehensive coverage for cars up to $65,000 MSRP
- Flight delay insurance: $500 coverage per person for reasonable purchases when delayed or missed connection for 4 hours or more
- Delayed and lost luggage insurance: $1,000 total coverage per trip
- Hotel burglary insurance: $1,000 total coverage for stolen items
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase (Maximum lifetime limit of $60,000)
- Extended warranty protection: Extend the manufacturer’s original warranty up to one additional year
Refer to the Scotiabank Gold American Express card certificate of insurance for additional details, including terms and conditions for eligibility.
Top Cards From Scotiabank
| Credit Card | ||
|---|---|---|
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80,000 Scene+ and $200 FlyerFunds Estimated value: $1,000 Ends Oct 31, 2025 |
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80,000 Scene+ and $200 FlyerFunds Estimated value: $1,000 Ends Oct 31, 2025 |
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45,000 Scene+ and $100 FlyerFunds Estimated value: $550 Ends Oct 31, 2025 |
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200 cash back and $100 FlyerFunds Estimated value: $300 Ends Oct 31, 2025 |
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7,500 Scene+ and $60 FlyerFunds Estimated value: $135 Ends Oct 31, 2025 |
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*See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Rates, fees and other information are effective as of July 2, 2025.
Terms and conditions say that current and previous Scotiabank credit card holders are not eligible for the welcome offer. Any DP for this?
In most cases, the welcome bonus is given automatically as it’s calculated by the machine; however, they may have some mechanism to verify if you’re already a card holder.
I got welcome bonus from my 2nd Scotiabank card (AMEX Platinum) very quickly after spending the required $3K within first 3 months, which was months after being a holder of Passport Visa Infinite with welcome bonus from that card; but my 3rd card, Momentum Visa Infinite hasn’t given me any welcome bonus after meeting the required minimum spend in the first 2 months. I’ll waiting for the 3rd month to pass but not holding breath for it.
I read it somewhere that if you call to request the welcome bonus, their customer service rep (human) will find out you’ve already got more than 1 Scotia credit card so they’ll naturally refuse to give the welcome bonus.