- 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 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voila by Sobeys, Voila by IGA, Voila by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marches Tradition, Rachelle Bery, and Co-Op.
- 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
4.2 / 5.0 (10 votes)
Leave your vote!

Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
20.99%*
APR Type:
variable
Annual Fee:
$120*
Issuer:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
EMV Chip
Instant Decision
No Foreign Transaction Fee
Sign-Up Bonus
Reward Card
Credit Needed:
Excellent*
Grace Period:
See Terms*
Min Credit Line:
$5,000
Late Payment Fee:
N/A*
Over Limit Fee:
$29.00

Balance Transfers

Balance Transfer:
Yes
APR on Balance Transfer (%):
22.99%
Transfer Fee (%):
5.00%

Cash Advances

APR on Cash Advances (%):
22.99%

Other Fees

Additional Fees
Each Additional Card: $29.00
Dishonored Payment Fee: $48

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

These days, we're thinking more about our finances and buying power. With improving economic conditions, it makes sense that we rethink what we thought we knew - and that includes the credit cards we carry in our wallets. We want more; in fact, we want better: we want better choices, better rewards and better treatment.

That's what the ScotiaBank American Express is such a great choice. With impressive opportunities for rewards points, lower fees, even lower fees on any additional cards you request, not only are cardmembers saving money, but they're using their rewards in ways that were unheard of in recent years. Suddenly, we're feeling empowered. We have choices and we enjoy flexibility with our rewards options.

There are a lot of reasons to choose this credit card offer, especially for those who travel. With great savings on hotels and airlines, the opportunity to cover their vacations with nothing but their rewards points and the opportunity to combine their rewards points with their American Express cards, that cruise is finally within reach. Plus, you'll travel with confidence knowing the many safety features are built into this offer, including travel insurance. Big discounts are yours when you use your card to book your rental car, cruise line and hotels, too. These are just a few of the reasons this credit card offer is rising to the top.

Features

Most attractive:
- Bonus rewards
- Gold card features
- No International Transaction fees
Least attractive:
- High annual fee
- Rewards Cap

Rewards & Benefits

Reward Types:
Gas Rewards
Merchandise Rewards
Other Rewards
Reward Unit:
Point
Rewards:
- 45,000 bonus points in your first year
- 6X Sobeys, Safeway, FreshCo, Foodland, and more
- 5X Eat in and Eat out
- 5X Watch and Cheer
- 3X Ride and Drive
- 3X Listen and Stream
- 1X all other eligible purchases.
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
- Earn Scene+ points
- Airport lounge access
- Amex Front Of the Line®
- American Express Invites®
- Amex Offers®
- Book and redeem easily
- Complimentary concierge services
- Save time at the checkout
*See terms and conditions of the card for other benefits
Online Access:
Yes!

*The information provided for Scotiabank Gold American Express® Card is believed to be accurate at the time of evaluation (Dec 30, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

You may also be interested in: