Scotiabank Gold Amex
Category cardWhat the roles mean
- Groceries and dining: 5–6 Scene+ points per $1 ($5–$6 per $100), and no foreign-transaction fee
Welcome offer now
Earn up to 50,000 bonus Scene+ points — "up to $950 in welcome offers, first year rewards and savings value."
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
100,800 points a year
Worth about $888 after the $120 fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $50,000 a year, then 1× points): 6× points.
- Dining & restaurants (First $50,000 a year, then 1× points): 5× points.
- Entertainment (First $50,000 a year, then 1× points): 5× points.
- Gas / EV (First $50,000 a year, then 1× points): 3× points.
- Transit (First $50,000 a year, then 1× points): 3× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 100,800 points a year, worth $1,008.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Scotiabank Gold Amex
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- Check you qualify Income: $12,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries: 6 points at Sobeys, Safeway, FreshCo, IGA, Foodland, Thrifty Foods; 5 points at other grocers
- Dining, food delivery, entertainment: 5 points per $1
- Gas, transit, streaming: 3 points per $1
- Travel abroad: no 2.5% foreign-currency fee, but foreign purchases earn only 1 point per $1
- Everything else: use another card. This one pays 1 point per $1. Carry a Visa or Mastercard where Amex isn't taken
- Example: $800/month at Sobeys + $250 dining + $250 gas + $300 bills = 85,200 points = $852 a year, $732 after the fee
Posts about this card
Key facts
- Annual fee
- $120
- Purchase interest
- 21.99%
- Foreign currency fee
- 0%
- Min. personal income
- $12,000
- Min. household income
- $12,000
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- Ultimate Package: $120 fee rebated every year (up to $150 rebate on one card)
- The catch: the package costs $30.95/month unless you keep $6,000 in it every day (or $100,000 across Scotiabank)
- Worth it if you already keep $6,000 in chequing
- Preferred Package: $40 back from the first anniversary, only after $15,000 of card spending a year
- Year one: not waived; the $120 is charged
From scotiabank.com product page, checked October 17, 2026. Not an affiliate link.
More Scotiabank cards
Best paired with
Rogers Red World Elite
- This card: groceries, gas / ev, dining & restaurants, transit, entertainment
- Rogers Red World Elite: bills & subscriptions, travel, drugstore / pharmacy, everything else
- Together: $1,014 a year after both fees, vs $888 with this card alone
- With this card's $120 fee rebated (see Fee waiver): $1,134 a year
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 6 points per $1 at Sobeys-family grocers, 5 at other grocers, restaurants and entertainment
- 3 points per $1 on gas, transit and streaming
- Bonus rates cover the first $50,000 a year of spending
- No foreign-transaction fee
- Points worth $1 per 100 on travel, groceries, Cineplex or statement credit
- Low bar: $12,000 minimum income
- Year one: up to 50,000 bonus points (about $500): 30,000 for $2,000 in 3 months, 20,000 more for $7,500 in the first year. Open by November 1, 2026
Cons
- $120 a year, including year one (see fee waiver)
- 1 point per $1 on everything else, and on all foreign purchases
- Amex: accepted at fewer stores than Visa or Mastercard
- No airport lounge visits (only a discounted Priority Pass membership)
- $29 a year per additional card
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- Travel medical: $1 million, under 65, first 25 days (65+: first 3 days)
- Trip cancellation: $1,500 per person ($10,000 per trip)
- Trip interruption: $10,000 per trip
- Flight delay: $500 per person, after 4 hours
- Delayed or lost bags: $1,000
- Travel accident: $500,000 per person
- Rental car damage: up to the car's cash value
- Hotel burglary: $1,000
- Phone: $1,000 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- No foreign-transaction fee: saves $25 on every $1,000 spent in another currency
- Shell: up to 12¢/litre in value (link Scene+ and Shell Go+)
- Amex: Front Of The Line presales, Amex Offers, 24/7 concierge
- Scotia SelectPay: split purchases of $100+ into instalments
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: up to 50,000 bonus Scene+ points ("up to $950" first-year value): 30,000 for $2,000 in 3 months, plus 20,000 for $7,500 in the first year. Open the account July 2, 2026 → November 1, 2026Offer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. Page text identical to October 21, 2026 | $120, not waived by the offer ($29 additional cards) | November 1, 2026 |
| October 21, 2026 | Unchanged: up to 50,000 bonus Scene+ points ("up to $950" first-year value): 30,000 for $2,000 in 3 months, plus 20,000 for $7,500 in the first year. Open the account July 2, 2026 → November 1, 2026Unchanged | $120, not waived by the offer ($29 additional cards) | November 1, 2026 |
| October 17, 2026 | Up to 50,000 bonus Scene+ points ("up to $950" first-year value): 30,000 for $2,000 in 3 months, plus 20,000 for $7,500 in the first year. Open the account July 2, 2026 → November 1, 2026Up from 45,000 pts (25,000 + 20,000) / "up to $850" seen June 15, 2026. Preferred Package rebate is now $40 from the first anniversary, with $15,000 spend | $120, not waived by the offer ($29 additional cards) | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.