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Scotiabank® Gold American Express® Card

Name: Scotiabank® Gold American Express® Card
Brand: Scotiabank

4.7

Welcome bonus

Earn up to 50,000 bonus Scene+ points in the first year*

6x at sobeys, safeway, freshco, foodland and more — At eligible grocery stores
5x elibigle grocery stores, dining & food delivery
5x entertainment

Annual fee: $120
Interest rates: Purchases
21.99%
Cash advances
22.99%
Foreign transactions: No FX fee

Rated by the CreditCardGuru Editorial Team

A do-it-all rewards card: category-leading grocery earning, strong dining and entertainment multipliers, and no FX fee for when you travel or shop in USD.

At a glance

Annual fee: $120
Welcome bonus: $950
Foreign tx fee: None
Network: AMEX
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

At Sobeys, Safeway, FreshCo, Foodland and moreAt eligible grocery stores	6x
Elibigle grocery stores, dining & food delivery	5x
Entertainment	5x
Streaming	3x
Gas	3x
Transit	3x
Everything else	1x

Welcome offer: Earn up to 50,000 bonus Scene+ points in the first year* (On eligible purchases within the first 12 months).

Pros & cons

Pros

No 2.5% foreign transaction fee
6x on groceries is one of the highest in Canada
Reasonable $120 annual fee for the value

Cons

Top grocery rate excludes Walmart & Costco
Scene+ points are less flexible than transferable points

Perks & insurance

Key perks

Save up to 12cents/litre at Shell
No foreign transaction fee — rare for a rewards card
Scene+ points (redeem for travel, groceries or statement credit)
Complimentary Concierge & Amex Offers

Insurance

Travel emergency medical (25 days)
Trip cancellation & interruption
Flight & baggage delay
Rental car collision/loss damage
Mobile device insurance

Rates & fees

Annual fee: $120
Purchase interest: 21.99%
Cash advance: 22.99%
Foreign transactions: No fee
Min. personal income: $12,000

Compare Scotiabank® Gold American Express® Card with…

vs American Express Cobalt Card vs TD Aeroplan Visa Infinite vs Desjardins Odyssey Visa Infinite Privilege vs Wealthsimple Credit Card

Last updated August 12, 2026Reviewed by CreditCardGuru Editorial Team

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Scotiabank can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Scotiabank's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Scotiabank's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Scotiabank. Trademarks belong to their respective owners.

Similar cards to consider

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American Express Cobalt Card

4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $192/yr
Welcome bonus: $300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

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Guru Pick Desjardins

Desjardins Odyssey Visa Infinite Privilege

4.2·Affluent Quebec travellers who want luxury Visa Infinite Privilege perks, generous earn rates and best-in-class travel insurance.

Annual fee: $295/yr
Top reward: 4x restaurants

4% back on dining, entertainment and transit with a strong 1.5% base
60-day travel insurance plus 18 combined lounge visits per year

Suggested score 760+ · Excellent credit

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“Scotiabank® Gold American Express® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-gold-amex, updated August 12, 2026.