Overview of the Scotiabank®* Gold American Express® Card
On eligible grocery stores such as Sobeys, Safeway, FreshCo, Foodland and more.5 points/$1
On Dining, Food Delivery, and other eligible grocery stores.3 points/$1
On eligible gas and daily transit options.1 point/$1
On other purchases
Scotiabank®* Gold American Express® Card details
- Welcome offer
- 45,000 bonus points ($450 value)
- Annual fee
- $120 (first year waived)
- Earn 6x points on eligible grocery stores such as Sobeys, Safeway, FreshCo, Foodland and more., 5x points on Dining, Food Delivery, and other eligible grocery stores., 3x points on eligible gas and daily transit options., 1x points on other purchases
- Average point value
- Purchase interest rate
- Cash advance interest rate
- Balance transfer interest rate
- Minimum income
- Household income
- Any amount
- Recommended credit score
- American Express
- Card type
Detailed card summary
Benefits & features
- Earn up to $850* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.1. Offer ends 30 April 2023.
- You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
- Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
- Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
- Earn 1X Scene+ point for every $1 spent on every other purchase
- You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases1 at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
How to redeem
Redeem your points against any travel purchase on your statement
How to get approved
- Minimum income $12K/yr
- Household income Any
- Recommended credit score 660+
- You are a permanent Canadian resident and have reached the age of majority in the province in which you live.
Average user score for Scotiabank®* Gold American Express® Card
4.1 | 19 reviews
The credit card is a good one. It offers 4% cashback on eligible items and 1% otherwise. The first year annual fee is waived, so getting 30,000 bonus points is great especially since you need to spend $750 in the first 3 months to achieve the bonus points (definitely possible). Overall a great card. Only downside is that it is not accepted everywhere.
What interested me to applying for this card are the following benefits: 1) 4% return on gas/grocery/dining/entertainment; 2) trip cancellation insurance; 3) rewards can be redeemed for travel related purchases after the fact, I.e. I don’t need to use Scotiabank AMEX travel site to book flight/hotel/car rental. All other bells and whistles are icing on the top. Obviously, the fact that AMEX is not as widely accepted as VISA and MasterCard is the drawback.
Ratehub always has the most current information on all credit card offers. I love the compare feature which I find is really helpful when making a decision on which card is right for me and my family. With the help of Ratehub I easily was able to apply and get approved for The Scotia Bank Gold American Express. The whole application process was easy and very quick. Also I got an immediate approval. The card was shipped in a short time and I was quickly abel to use it for purchases.
The card is pretty good, rewards are flexible but I’m concerned about just the number of merchants that accept Amex. Also take a bit of time to get the bonus but that’s pretty standard. Hoping that I can keep the card for a bit
I love using my gold card to attain miles. The added bonus miles for signing up is a great incentive to use this card for as many purchases as I can in the first 3 months. Love the benefits and the fact that you can also earn scotia rewards points to redeem on items you can actually use (gift cards for example).
This card has great benefits and low rates. I would recommend this to anybody. The process to get the card was very easy as well. This card has great benefits and low rates. I would recommend this to anybody. The process to get the card was very easy as well. This card has great benefits and low rates. I would recommend this to anybody.
Offer Description and Conditions: The 40,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by 30 April 2023 and is subject to the below terms and conditions. We will waive the annual fee for the primary card issued before October 31, 2022 on the Account for the first year only. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by 30 April 2023 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Annual 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
The Annual 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account open date, provided the Account is open and in good standing. The Annual 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued before October 31, 2022 on the Account for the first year only.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are subject to change.
You will earn the accelerated Scene+ points (5X or 3X as applicable) under the Scene+ program (the “Program”) if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ point for every $1 charged to the Scotiabank American Express® credit card (the “Account”) once that foreign currency has been converted into Canadian dollars.
Scene+ points are awarded for purchases charged to Account. Scene+ points earn rate: The ﬁrst accelerated earn rate is 5 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classiﬁed as Groceries, Dining and Entertainment. The second accelerated earn rate is 3 Scene+ points (as applicable) per $1 charged to the Account for purchases in Canadian currency at merchant locations classiﬁed as Gas, Daily Transit and Select Streaming Services. The regular earn rate is 1 Scene+ point per $1 for all other purchases charged to the account. Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. Spend threshold for the accelerated earn rate: The first and second accelerated earn rate applies to the ﬁrst $50,000 in purchases annually on the Account, at merchants qualifying for the accelerated earn rate, which will be calculated from January 1st to December 31st each year. Once you exceed this threshold, you will continue earning points at the regular earn rate of 1 point per $1 in purchases. Eligibility: Cash advances (including Balance Transfers, Scotia Credit Card Cheques and Cash-Like Transactions), interest, fees or other charges, card payments and returns, refunds or other similar credits do not earn Scene+ points. Scene+ points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or to an Account that is not open when the statement is issued.
The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.
Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.
Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.
Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.
Concierge Service provided by a duly licensed 3rd party premium concierge provider (currently Hogg Robinson Canada Inc. (HRG). Provider is subject to change by The Bank of Nova Scotia.
Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Gold American Express Card is cancelled. For complete Priority Pass terms and conditions, please visit prioritypass.com/Conditions-of-use
We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.
Purchase must be charged in full to an American Express® Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant’s obligations under applicable law. Any dispute related to an offer must be directed to the participating merchant. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express® and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see support.apple.com/km207105.
The Primary Cardholder on the Scotiabank Gold American Express® Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Select offers are brought to you by American Express. The Bank of Nova Scotia is not responsible for the offers, or any third party services, provided under the Amex Offers program. American Express reserves the right to vary any eligibility criteria or the Terms prior to you registering for the offer. If you do not agree with the Terms, you must not participate in the offer.
Compared to other consumer credit cards publicly offered by Canadian Schedule I banks as of October 14, 2021.
Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.
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