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Scotiabank® Gold American Express® review

Name: Scotiabank Gold American Express
Brand: Scotiabank

4.7Rated 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: ~$650
Foreign tx fee: None
Network: AMEX
Rewards: points
Purchase APR: 20.99%

Rewards & earn rates

GroceriesAt eligible grocery stores	6x
Dining & food delivery	5x
Entertainment	5x
Streaming	3x
Gas	3x
Transit	3x
Everything else	1x

Welcome offer: Earn up to 40,000 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

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 (10 days)
Trip cancellation & interruption
Flight & baggage delay
Rental car collision/loss damage
Mobile device insurance

Rates & fees

Annual fee: $120
Purchase interest: 20.99%
Cash advance: 22.99%
Foreign transactions: No fee

Compare Scotiabank® Gold American Express® with…

vs American Express Cobalt Card vs American Express Platinum Card vs Scotiabank Passport Visa Infinite Business Card vs Wealthsimple Credit Card

Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team

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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 Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions.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® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-gold-amex, updated June 1, 2026.