If you love rewards and hate foreign transaction fees, the Scotiabank Gold American Express Card is for you. It is the ultimate travel and cash back card for Canadians who love to travel, want to earn rewards faster, and get cash back in exchange for everyday purchases. The Scotiabank Gold Amex Card is another fan favourite with awards across 4 different credit card categories such as best travel points, foreign transaction (FX) fees, everyday spending, and overall rewards for everyday use. 

The Scotiabank Gold Amex Card offers an aggressive rewards earn rate for those who like to dine out, go to movies and concerts, drive places, and use streaming apps. Basically, if you’re human and like to live your life, this is your go-to card.  You can use your rewards for travel, merchandise, a credit on your account, and more. 



Annual Fee: $120

Welcome offer: Up to 45,000 bonus Scene points. Conditions apply.

Interest rate: 19.99% for purchases, 22.99% for cash advances.

Scotiabank Gold Amex Card Welcome Offer 

As a Scotiabank Gold Amex cardholder, you could earn up to 45,000 bonus Scene points in your first year. You need to do two things. First, spend at least $1,000 in the first 3 months. Second, spend another $7,500 within your first year. You’ll get your first 25,000 bonus Scene points within 2-3 business days after your fulfill the first part. Then, you’ll get another 20,000 bonus Scene points within 2-3 business days after you complete the second step. That’s a potential $450 worth of rewards if you meet the qualifying spending criteria within the specified time limits. 

Food: eat, earn, repeat

Food prices are among the hardest hit by inflation. The Scotiabank Gold Amex Card helps you fight inflation with an aggressive rewards earn rate for grocery store purchases at eligible stores, as well as dining out at restaurants, fast food joints, drinking establishments, and even meal box subscriptions like Hello Fresh. You’ll earn 5 Scene+ points for every $1 spent on eligible food and grocery purchases. Food prices are projected to increase 5 – 7% this year. If that’s the case, this card will help you keep your food and dining budget in-check, so you can enjoy your life without breaking the bank. 

Entertainment: more fun, less stress

What’s dinner without a movie, concert, or something cultured like ballet? The Scotiabank Gold American Express Card has you covered there too. You’ll earn 5 Scene+ points for every $1 spent at eligible Cineplex movie theatres, other eligible theatres, and ticket agencies. If inflation is taking a bite out of your disposable income, but you don’t want to stop living your life because it’s been long enough for crying out loud, you’ll definitely want this card in your wallet. It’s made for humans who want to leave the house without losing their shirt. 

Scotiabank Gold Amex essentials: gas, transportation, and streaming 

If you’re feeling personally victimized for driving a car, the Scotiabank Gold Amex Card helps temper the sting of gas prices. You’ll earn 3 Scene+ points for every $1 in eligible gas purchases. If you’re thinking of ditching your wheels, or already hit the pavement with greener transportation, Scotiabank sees you too. For the non-car owners, you’ll still earn 3 Scene+ points for every $1 spent on buses, taxis, the subway, and rideshare services like Uber. 

Of course, no bus or subway ride is complete without your favourite Netflix show or  personal finance podcast, so you can master your money at expert level. The Scotiabank Gold Amex Card helps you live green and earn it too with 3 Scene+ points on every $1 you spend on eligible streaming services. 

Rewards on all purchases, especially bargain buys

For all your other purchases, you’ll earn 1 Scene+ point per $1 you spend with your Scotiabank Gold Amex Card. But here’s the kicker, if you love a bargain you could snag up to 20% more cash back points if you use your Scotiabank Gold American Express Card when you shop through Rakuten. This deal is available exclusively to Scene+ members. Not to mention, Rakuten keeps you up to date on new money saving offers from featured stores. This match made in heaven helps you buy the things you want, need, and love like inflation was just a bad dream. 

Scotiabank Gold Amex has no foreign transaction fees

Ok travel lovers, you’ve waited long enough. Here’s all the great travel perks you get with your Scotiabank Gold Amex Card. First and foremost, Scotiabank won’t charge you foreign transaction fees when you use your card abroad or when shopping online with foreign merchants. Basically, only the standard market exchange rate will apply; not an additional 2.5% foreign currency conversion surcharge that is standard with most other credit cards on the market. That makes traveling, dining, and shopping abroad a heck of a lot cheaper for globetrotters.  

Get more when you register with American Express

Register your  Scotiabank Gold Amex Card online with American Express to access American Express perks. You’ll get exclusive offers for travel, dining, shopping, and so much more. Make sure to add offers to your card to maximize your potential benefits.

American Express members get access to Front Of The Line presale tickets to concerts, theatre productions, other special events and restaurants. You’ll get the best seats before they sell out to the general public.

Sign up for American Express Invites to get personalized special offers and events. You’ll get access to advanced screenings of major movies, getaway packages, and exclusive shopping deals. Offers are sent to you through e-Updates so you’ll never miss out on that gotta-be-there event. 

Maximize your points, register with Scene+

Register online at sceneplus.ca to become a member when you get your  Scotiabank Gold Amex Card. You’ll start earning Scene+ points and get access to the full roster of great stuff you can redeem your points on. Scene+ members get access to excluses deals and discounts. Scene+ points are flexible and can be for pretty much whatever you want from travel to merchandise, discounts, or even a credit on your Scotia credit card or bank account, and more. 

Bonus, the more you spend the more you earn. Say hello to what you love, on your terms. Scene+ points can be used for almost anything. Travel lovers and cash back die-hards alike will love the flexibility of this card. Jetsetters can redeem points for flights anytime, anywhere with no restrictions when they book through the Scene+Travel service.

Scene+ members can get an extra 20% cash back on purchases through Rakutan. They can also redeem points for any item at the Apple Store or Best Buy. For those that just want a break on bills, you can even redeem points for a credit on your Scotiabank credit card or bank account. 

Scotiabank Gold Amex and purchase protections

Protect all your purchases big and small with built-in protection. Scotiabank Gold Amex Card comes with two complimentary coverages for items purchased with your card. The first is Purchase Security, which protects most items purchased on the card with insurance against loss, theft, or damage for up to 90 days from date of purchase. The other is Extended Warranty Protection. This protects most items purchased on the card, from anywhere in the world, by doubling the manufacturer’s warranty up to 1 year.

Scotiabank Gold Amex and travel

American Express cardholders get exclusive offers to other travel related perks too. Register your Scotiabank Gold Amex Card with sceneplus.ca to get special offers on vacation deals and weekend getaway packages. You can also use your card to redeem Scene+ points for trips any time, anywhere. And enjoy a 25% discount on car rentals from AVIS and Budget Car rentals anywhere in continental North America. 

Flights booked through travel providers or Scene Plus Travel, an inhouse full-service travel agency, won’t have any restrictions. If you’ll also get a best price guarantee on your flights if prices change within 24 hours of booking. You also get a special American Express member discount on a Priority Pass that unlocks access to over 1200 VIP Lounges around the world.   

With your Scotiabank Gold Amex Card you’ll also get complimentary concierge service 24 hours a day, 7 days a week. They’ll help you with getting those coveted Beyonce tickets, a table at your favourite haute cuisine restaurant, or help planning a trip. Scotiabank Gold Amex Card puts Alfred, Batman’s butler, at your beckon call. 

Stress-free travel protection insurance 

When adventure calls, answer it with peace of mind. Your Scotiabank Gold Amex Card comes with a host of built-in insurance protection benefits when you book travel and make purchases with your card. The hardest part of planning your trip is deciding where to go first. 

Of course, it is always in your best interest to look out for your best interests. Travel insurance is something that you can supplement, especially if your credit card’s insurance won’t cover you for certain things. Always read the terms of the contract. If you are under-insured, you can buy travel insurance on your own.

Scotiabank Gold Amex travel emergency medical insurance

Pay for your trip with your Scotiabank Gold Amex and you, your spouse, dependent children and traveling companions are each covered up to $1 million in emergency medical coverage. Your age, though, impacts how long you are covered. If you are under 65 years old, it is a consecutive 25 days. If you are over 65 years old, it is 3 consecutive days. You can always extend your coverage. 

Trip delays and cancellations

You get a lot of coverage from Amex. This where being part of the Amex family has its benefits. Just be sure to use the Scotiabank Gold Amex when you book all of your travel arrangements.The extra travel coverage includes:

  • Trip interruption/cancellation insurance: charge at least 75% of trip expenses to your Card and you’re automatically insured for up to $2,500 per person (maximum $10,000 per trip).
  • Flight delay insurance: it include reimbursement for eligible living expenses when the delay lasts four hours or more. You are covered up to $500 per insured person on the same trip.
  • Delayed or lost baggage insurance: when you purchase tickets with your Card, and you are eligible for coverage for all insured persons on the same trip up to a maximum of $1,000 for lost luggage, and up to $1,000 for delayed luggage if it isn’t delivered within 4 hours from the time you arrive at your destination.
  • Travel accident insurance: you are insured up to a maximum of $500,000, or to a maximum of $1,000,000 per occurrence when you charge at least 75% of your ticket cost to your Card.
  • Rental car insurance: charge the full amount of the car rental to your Card. Then you are insured for the amount you are liable to the Rental Agency, up to the actual cash value of the vehicle. The rental period cannot exceed 48 consecutive days or vehicles valued at over $65,000.
  • Hotel theft insurance: charge your stay in any hotel or motel in Canada or the US to your Card and you are eligible for coverage up to a maximum of $1,000.

Who is this card good for?

This card is made for humans who want to enjoy life without busting their budget. If you’re tired of spending your retirement fund on the cost of groceries and gas, enjoying life’s simple pleasures becomes a non-starter. The Scotiabank Gold Amex Card is here to restore your  joie de vivre and make your purchases pain-free. 

And you don’t have to be in the 1% to get the Scotiabank Gold Amex Card, either. You’ll be rewarded for going out into the world and doing things like buying groceries, gas, and a coffee with friends. The minimum annual income to qualify is $12,000 a year and a decent credit score. You also need to be the age majority in your province or territory, a Canadian citizen or permanent resident, and no bankruptcies in the last 7 years. That’s not too shabby. 

Benefits and perks

  • 5x points for every $1 spent on eligible grocery, restaurants, fast food, drinking establishments, entertainment. 3x points for every $1 spent on gas, transit, and streaming services. 1x point for everything else.
  • No foreign transaction fees.
  • Redeem Scene+ points for travel anytime, anywhere – no restrictions when you book travel through the Scene+Travel service or any other travel provider, and your points don’t ever expire.
  • Enjoy a Best Price guarantee on airfare within 24 hours of booking
  • Relax with comprehensive travel insurance coverage
  • Enjoy access to over 1200+ VIP airport lounges around the world with Priority Pass™ membership
  • Save up to 25% off base rates at participating AVIS and Budget Car locations in Canada and the U.S.
  • Experience great music, theatre, dining, and shopping with American Express Invites™
  • Benefit from access to 24/7 concierge services, special offers, merchandise, rewards, and more
  • Scene+ points
  • Take advantage of brand-name merchandise rewards, or redeem your points for merchandise from Apple and Best Buy catalogues.
  • Choose from a wide selection of prepaid and gift cards
  • Redeem your Scene+ points for credit on your Scotiabank credit card or bank account
  • Book travel with Scene+Travel service
  • Book travel with any travel provider
  • Redeem points for all your trip expenses for up to 12 months after the travel purchase date with our Apply points to Travel
  • American Express Advantage
  • Amex Offers
  • Amex Front Of the Line
  • American Express Invites 


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