Scotiabank · Amex
Scotiabank Gold American Express Card
Cash back · No foreign transaction fee · Travel points, earns Scene+ points
Welcome offer
Verified · Oct 4Up 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
Checked on October 4, 2026. See the source page
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, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 5,000 points more than the previous one on record. It ties the highest offer on record.
- Now · Checked October 4, 2026Up to 50,000 Scene+ pointsSpend $7,500 in 12 months · Annual fee $120 · No first-year waiver
- January 2, 2026 · Reported publicly at the time
Up to 45,000 Scene+ pointsSpend $7,500 in 12 months · Annual fee $120 · No first-year waiver · Apply-by date listed then: July 1, 2026 - Before January 2, 2026 · Reported publicly at the time
Up to 50,000 Scene+ pointsFirst year free - January 3, 2025 · Reported publicly at the time
Up to 40,000 Scene+ pointsNo first-year waiver - Before January 3, 2025 · Reported publicly at the time
Up to 45,000 Scene+ pointsFirst year free
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
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.