Scotiabank · Amex
Scotiabank Gold American Express Card
Cash back · No foreign transaction fee · Travel points, earns Scene+ points
Welcome offer
Not verified yetUp to 50,000 Scene+ points
Earn 30,000 points when you spend $2,000 in the first 3 months, plus 20,000 points when you reach $7,500 in total spending in the first year.
- Minimum spend
- $7,500 in 12 months
- Apply by
- November 1, 2026
The apply-by date on the issuer's site (November 1, 2026) has passed. This is what I saw on October 4, 2026, and it needs to be checked again.
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $120
- Foreign transaction fee
- None
- Purchase rate
- 21.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $12,000 or Household $12,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 5× Scene+ | about 5% |
| Dining and delivery | 5× Scene+ | about 5% |
| Gas and EV charging | 3× Scene+ | about 3% |
| Recurring bills | 1× Scene+ | about 1% |
| Transit | 3× Scene+ | about 3% |
| Drugstores | 1× Scene+ | about 1% |
| Travel | 1× Scene+ | about 1% |
| Entertainment | 5× Scene+ | about 5% |
| Phone and internet | 1× Scene+ | about 1% |
| Streaming | 3× Scene+ | about 3% |
| Online shopping | 1× Scene+ | about 1% |
| Convenience stores | 1× Scene+ | about 1% |
| Office supplies | 1× Scene+ | about 1% |
| Other spending | 1× Scene+ | about 1% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Benefits
- Concierge
- Yes
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $1,000,000, 25 day(s)
- Travel medical (age 64 and under)
- $1,000,000, 25 day(s)
- Travel medical (age 65 and over)
- $1,000,000, 3 day(s)
- Trip cancellation
- $1,500
- Trip interruption
- $1,500
- Travel accident
- $500,000
- Flight delay
- $500
- Baggage delay
- $1,000
- Lost baggage
- $1,000
- Rental car collision
- $65,000, 48 day(s)
- Hotel burglary
- $1,000
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000, 1 year
Coverage amounts and number of days are as stated in the certificate of insurance.