Scotiabank Gold American Express Card
Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.
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📋Card Overview
🎁Welcome Bonus & Eligibility
Welcome Offer
Earn 25,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Eligibility Requirements
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 this offer.
✨Key Card Features
- Earn 6x points on every $1 CAD spent at Sobeys
- Safeway
- FreshCo
- Foodland
- and other eligible grocery stores. 5x points on dining (restaurants
- fast food)
🏆Rewards Program
Scene+ Points
Earn rewards on every purchase with the Scene+ Points program. Redeem for travel, merchandise, gift cards, or statement credits.
Video Review
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Watch our detailed video review for the full breakdown and honest opinions
👤Who Can Apply?
Residency
Canadian residents
Eligibility
You have a minimum personal income of $12,000 per year.
🤔Is This Card Right For You?
✅ This card is great for:
- •People who want Scene+ Points rewards
- •Anyone looking for a generous welcome bonus
❌ Look elsewhere if:
- •You want a no-annual-fee card
- •You don't spend enough to justify the rewards structure
- •You prefer a different rewards program
⚖️Pros & Cons
Pros
- +Generous welcome bonus: Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.
- +Scene+ Points rewards program
Cons
- −High interest rate (20.99%)
🏆Our Verdict
The Scotiabank Gold American Express Card offers a balanced mix of rewards and benefits for the $120 annual fee. The welcome bonus helps justify the first-year cost. Consider your spending habits to determine if this card aligns with your financial goals.
Apply on Issuer Site❓Frequently Asked Questions
What is the annual fee for the Scotiabank Gold American Express Card?
The Scotiabank Gold American Express Card has an annual fee of $120. $120 / year. Waived with an eligible bank account.
What are the interest rates for the Scotiabank Gold American Express Card?
The purchase interest rate is 20.99% and the cash advance rate is 22.99%.
Who can apply for the Scotiabank Gold American Express Card?
You have a minimum personal income of $12,000 per year.
What welcome bonus does the Scotiabank Gold American Express Card offer?
Earn 25,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Is the Scotiabank Gold American Express Card worth it?
The Scotiabank Gold American Express Card is worth considering if you can maximize its rewards. The welcome bonus of Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points. adds significant value. The Scene+ Points program offers flexibility for redemptions.
