Scotiabank Gold American Express Card
AMERICAN EXPRESSGreat for travel abroad
Scotiabank Gold American Express Card
8.3Canada Cards ScoreExcellentWelcome bonus
~$450
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
Why get this card
- ✓Big welcome bonus worth ~$450
- ✓Bonus covers 3× the annual fee
- ✓Earn 6x on grocery (sobeys/empire banners)
- ✓No foreign transaction fees
Pros
- +Big welcome bonus worth about $450
- +Strong 6x earn on grocery (sobeys/empire banners)
- +No foreign transaction fee
- +7 insurance coverages
Cons
- -Steep $120 annual fee
- -High 21.99% purchase interest rate
Earn rates
- grocery (Sobeys/Empire banners)6x
first $50,000 annually; select grocery
- grocery, dining, entertainment5x
first $50,000 in eligible categories annually
- gas, public transit, select streaming3x
first $50,000 annually
- all other purchases1x
- Scene+ Travel hotels and car rentals3x
booked through Scene+ Travel
Welcome offer
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
- Est. cash value
- ~$450
- Bonus points
- 45,000
- Minimum spend
- $7,500
- Spend window
- 365 days
- Offer ends
- —
Earn 25,000 bonus Scene+ points by spending $2,000 in first 3 months, plus an additional 20,000 by spending $7,500 within the first 12 months.
Is this a record high? See the bonus history →Fees
- Annual fee
- $120
- Additional card
- $29
- Foreign transaction fee
- None
No foreign transaction (FX) markup on foreign currency purchases
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- Priority Pass
- Insurance coverages
- 7
- Travel Emergency Medical Insurance
- Flight Delay Insurance
- Delayed and Lost Luggage Insurance
- Hotel/Motel Burglary Insurance
- Rental Car Collision/Loss Damage Insurance
- Mobile Device Insurance
- Creditor Insurance
Redemption & eligibility
- Reward currency
- Scene+
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- —
How we scored it
8.3Excellent- Everyday earn rateWeight 30
6x on grocery (Sobeys/Empire banners) (≈6.0¢/$)
- Welcome valueWeight 25
~$450 estimated
- Annual-fee valueWeight 20
$120 annual fee
- Benefits depthWeight 15
7 insurance coverages, no FX fee
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the Scotiabank Gold American Express Card worth it?
- It carries a $120 annual fee and a welcome offer worth about $450, for an estimated first-year value of +$330. Big welcome bonus worth ~$450. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the Scotiabank Gold American Express Card?
- The annual fee is $120. The purchase interest rate is 21.99% and the cash advance rate is 22.99%. These are sourced from Scotiabank's official page.
- What rewards does the Scotiabank Gold American Express Card earn?
- It earns up to 6x on grocery (sobeys/empire banners), in Scene+. See the full earn-rate breakdown above.
- Does the Scotiabank Gold American Express Card charge foreign transaction fees?
- Yes, it charges a 0% foreign transaction fee on purchases made outside Canada. See no-foreign-transaction-fee cards if you travel or shop internationally.
More ways to compare
Official sources
Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.
- Product page: https://www.scotiabank.com/ca/en/personal/credit-cards/american-express/gold-card.html
- Application: https://hello.scotiabank.com/lending/triage?productCode=AXG&subProductCode=GC&source=116B&language=en
- Rewards program: https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards.html
Cited, never sponsored
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