Illustration, not the actual card design.
Scotiabank · Earns Scene+ points
Scotiabank Gold American Express
Annual fee
$120
Welcome offer
Up to 50,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $2,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$380
+$500 welcome bonus
+$0 yearly credits
−$120 fee
Year 2
−$120
Costs $120 a year until your spending covers it.
Every year after
−$120
Costs $120 a year until your spending covers it.
Plus 17 benefits with no fixed dollar value, like American Express Experiences, Amex Offers and Avis and Budget rental discount. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 25, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 1, 2026. Not available if you have, or in the past 2 years had, any Scotiabank personal credit card as primary or additional cardholder, including if you switch from one. Scotiabank employees are not eligible.
- 1Spend $2,000 in your first 3 months30,000 pts≈ $300 est.Year 1
- 2Spend $7,500 in your first year20,000 pts≈ $200 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per Scene+ point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Sobeys | 6 pts per $ | 6¢ |
| FreshCo | 6 pts per $ | 6¢ |
| Safeway | 6 pts per $ | 6¢ |
| Dining & Restaurants | 5 pts per $ | 5¢ |
| Entertainment | 5 pts per $ | 5¢ |
| Groceries | 5 pts per $ | 5¢ |
| Gas & Fuel | 3 pts per $ | 3¢ |
| Transit | 3 pts per $ | 3¢ |
| Streaming | 3 pts per $ | 3¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks · 6
- American Express Experiences
Presales and reserved tickets through Front Of The Line and Amex Experiences
- Amex Offers
Merchant offers you add to your card for statement credits or bonus points
- Avis and Budget rental discount
Up to 25% off base rates at participating Avis and Budget locations
- Complimentary Concierge
24/7 concierge by Ten Lifestyle for travel, dining and event bookings
Enroll first
Show all 6Show fewer
- No Foreign Transaction Fees
No 2.5% foreign transaction fee on purchases abroad or online; only the exchange rate applies
- Priority Pass Membership Discount
Discounted Priority Pass membership for 1,200+ lounges; membership and visits are paid by you
Enroll first
Insurance · 11
- Travel Emergency Medical Insurance
Out-of-province emergency medical, up to $1,000,000, first 25 days of a trip under 65, 3 days if 65 or over
- Trip Cancellation Insurance
Non-refundable travel if you cancel, up to $1,500 per person and $10,000 per trip
- Trip Interruption Insurance
Costs if a trip is cut short or your return is delayed, up to $1,500 per person and $10,000 per trip
- Flight Delay Insurance
Hotel, meals and essentials during a covered flight delay, up to $500 per person
Show all 11Show fewer
- Delayed and Lost Luggage Insurance
Essentials if checked bags are delayed, or replacement if lost, up to $1,000 per trip
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
- Hotel Burglary Insurance
Personal property stolen from your hotel room, up to $1,000 per occurrence
- Common Carrier Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus or ship, up to $500,000 per person
- Mobile Device Insurance
Lost, stolen or damaged phone or tablet, up to $1,000, for 2 years from purchase
- Purchase Security
Theft, loss or damage to most new items for 90 days from purchase
- Extended Warranty
Doubles the manufacturer's warranty by up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.
Details last checked Sep 25, 2026.