Advertiser Disclosure

Scotiabank Gold American Express® Card

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Rates and Fees

Annual Fee: $120 CAD

Bonus Miles
40,000
Recommended Credit
670 - 850
Current Offer

Earn 20,000 Scene+ points when you spend $1,000 in the first 3 months. Earn another 20,000 Scene+ points when you spend $7,500 in the first 12 months.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

All information about the Scotiabank Gold American Express® Card has been collected independently by Daily Drop.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

40,000

Earn 20,000 Scene+ points when you spend $1,000 in the first 3 months. Earn another 20,000 Scene+ points when you spend $7,500 in the first 12 months.

All information about the Scotiabank Gold American Express® Card has been collected independently by Daily Drop.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Summary

This is a pretty solid card for simple but meaningful rewards. Scene+ points can be used to offset travel purchases directly at a rate of one cent per point. So, the 40,000 points you earn from signing up for the card can cover $400 worth of general travel expenses, which is not too shabby.

Earning Rewards

  • 6X points per $1 at Sobeys, Safeway, Freshco, and Foodland
  • 5X points per $1 on dining and food delivery
  • 5X points per $1 on entertainment purchases
  • 3X points per $1 on gas and transit
  • 3X points per $1 on streaming services
  • 1X points per $1 on everything else

Additional Benefits

  • No foreign transaction fees
  • Offset travel purchases at a rate of one cent per point
  • Eligible for Amex offers
  • Priority Pass membership (no complimentary visits)

Foreign Transaction Fee

  • None

For American Express products listed in this page, Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Also consider

Scotiabank Passport® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

Scotiabank Passport® Visa Infinite* Card

35,000
Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points.
35,000
Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points.
Much like the earlier Scotiabank card on this list, this card earns Scene+ points which can be used to directly offset travel purchases at one cent per point in value. What makes this card stand out, however, is that is has no foreign transaction fees - a rarity here in Canada.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
American Express Cobalt® Card

American Express Cobalt® Card

American Express Cobalt® Card

Annual Fee: $155.88 CAD

Rates & Fees   |  Terms Apply
15,000
Bonus Points
Earn 1,250 Membership Rewards points for every month you spend $750 (for the first 12 months).
15,000
Bonus Points
Earn 1,250 Membership Rewards points for every month you spend $750 (for the first 12 months).
This is certainly one of the best starter cards for Canadians. Not only does it have a low monthly fee, but it also earns valuable Membership Rewards points that can be transferred to airline and hotel programs. It's a valuable card without the high price tag or fuss of a premium card. *All information about the American Express Cobalt® Card has been collected independently by Daily Drop.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Scotiabank Gold American Express® Card

CURRENT OFFER

40,000

Earn 20,000 Scene+ points when you spend $1,000 in the first 3 months. Earn another 20,000 Scene+ points when you spend $7,500 in the first 12 months.

REWARDS RATE
ANNUAL FEE
Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Our Methodology

My Take

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Pros & Cons

Pros

Cons

Rewards Summary

  • 6X points per $1 at Sobeys, Safeway, Freshco, and Foodland
  • 5X points per $1 on dining and food delivery
  • 5X points per $1 on entertainment purchases
  • 3X points per $1 on gas and transit
  • 3X points per $1 on streaming services
  • 1X points per $1 on everything else

Additional Benefits

  • No foreign transaction fees
  • Offset travel purchases at a rate of one cent per point
  • Eligible for Amex offers
  • Priority Pass membership (no complimentary visits)

Customer Reviews & Redemptions

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How to make the most of your

Scotiabank Gold American Express® Card

Transfer Partners

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Our Favorite Redemptions

Offer History

OFFER DATES
OFFER DETAILS
November 2020
through
Mar 2021
Earn 60,000 bonus points after spending $4,000 in the first three months of account opening.
March 2021
through
Jun 2021
Earn 80,000 bonus points after spending $4,000 in the first three months of account opening. Plus, earn a $50 statement credit on grocery store purchases.
June 2021
through
Oct 2021
Earn 100,000 bonus points after spending $4,000 in the first three months of account opening.
October 2021
through
Apr 2022
Earn 60,000 bonus points after spending $4,000 in the first three months of account opening.
April 2022
through
May 2022
Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
June 2022
through
Mar 2023
Earn 60,000 bonus points after spending $4,000 in the first three months of account opening.
April 2023
through
May 2023
Earn 80,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
May 2023
through
May 2024
Earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
May 2024
through
Jun 2024
Earn 75,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

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