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Canada · personal card · Scotiabank

Scotiabank Gold American Express Card review

Earn 6 Scene+ points per $1 at Sobeys-type grocers, 5 on dining, food delivery, other groceries and entertainment, 3 on gas, transit and streaming, 1 on everything else; no foreign transaction fees.

By · Card data read October 7, 2026 · How we rank Canadian cards

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Scotiabank Gold American Express Card

Key facts

Issuer
Scotiabank
Network
Amex
Annual fee
$120 (Waived with Ultimate Package chequing (first year with Preferred); supplementary cards $29)
Welcome offer
Up to 50,000 bonus Scene+ points: 30,000 at $2,000 in 3 months plus 20,000 at $7,500 in first year. Open account Jul 2 to Nov 1, 2026 (until November 1, 2026)
Purchase rate
21.99%
Cash advance rate
22.99%
Foreign transaction fee
None
Minimum personal income
$12,000
Minimum household income
Not stated
Available in Quebec
Not stated
Est. net value / yr
$792 ($912 rewards − $120 fee)
Points value
Scene+ at 1¢ CAD each

Rewards

Earn 6 Scene+ points per $1 at Sobeys-type grocers, 5 on dining, food delivery, other groceries and entertainment, 3 on gas, transit and streaming, 1 on everything else; no foreign transaction fees.

Earn rates the issuer states: base 1 pts · groceries 6 pts · gas 3 pts · dining 5 pts · travel 1 pts. Up to 4 points per $1 on hotels/car rentals via Scene+ Travel

Perks

No foreign transaction fees; Priority Pass lounge discount; Amex Experiences

How we put this page together

Every figure here was read on Scotiabank’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Insurance package, Quebec availability not fully read.

Frequently asked questions

What is the annual fee on the Scotiabank Gold American Express Card?

$120 (Waived with Ultimate Package chequing (first year with Preferred); supplementary cards $29), as read on Scotiabank’s website on October 7, 2026.

Is there a foreign transaction fee on the Scotiabank Gold American Express Card?

The issuer states no foreign currency conversion fee.

What income do I need for the Scotiabank Gold American Express Card?

The issuer states a minimum personal income of $12,000.

More Scotiabank cards

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    Scotiabank American Express Card Scotiabank

    Net $528/yr

    Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

    Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $528
    Welcome offer
    Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
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    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

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    Net $528/yr

    Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

    Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $528
    Welcome offer
    Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
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    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
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    Net $300/yr

    Earn 1 Scene+ point per $1 on eligible business purchases at Home Hardware locations; interest from Prime + 4.99% to 10.99% with secured limits $5,000 to $500,000.

    Earn: base 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $300
    Welcome offer
    Up to 15,000 bonus Scene+ points when you spend $1,500 at Home Hardware in first 3 months. Open account Oct 1 to Nov 30, 2026
    Purchase rate
    From Prime + 4.99% to 10.99%
    Foreign transaction fee
    2.5%
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  4. #4

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    Net $300/yr

    Earn 1% cash back on all eligible business purchases.

    Earn: base 1%

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $300
    Welcome offer
    10% cash back on first $1,500 in purchases in first 3 months
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.