Scotiabank Gold American Express Card
Scotiabank · Reward Points · Reward Points
This comprehensive guide covers the Scotiabank Gold American Express Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Scotiabank Gold American Express Card from Scotiabank offers reward points rewards redeemable as reward points. Top earning categories include 6x scene+ points at sobeys, safeway, freshco (and other empire grocery banners) and more. Annual fee is C$120 (no standard fee waiver).
Best for: Grocery, Dining, Entertainment, Fuel
Official product page → Official rules →
Waiver: No standard fee waiver
Reward Rules
- 600 pts/$100 6x Scene+ points at Sobeys, Safeway, FreshCo (and other Empire Grocery banners)
- 500 pts/$100 5x Scene+ points on dining, groceries and entertainment
- 300 pts/$100 3x Scene+ points on gas, transit and streaming
- 100 pts/$100 1x Scene+ points on everything else
Important Notes
- No foreign transaction fees — saves ~2.5% on overseas spend.
- Scene+ points redeemable for travel, groceries, dining, or entertainment.
- Welcome bonus of up to 50,000 Scene+ points ($500 value) typically available.
- Includes travel emergency medical insurance up to $1M for 25 days.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Scotiabank Gold American Express Card vs Similar Cards
- Scotiabank Passport Visa Infinite — Reward Points · C$139
- Scotia American Express Card — Scene Plus Points · C$0
- Scotia Gold Mastercard — Reward Points · C$0
Maximize Your Rewards
To earn the highest rewards, use the Scotiabank Gold American Express Card for its bonus categories: Grocery, Dining, Entertainment, Fuel, Transit.