Scotiabank Gold American Express® Card

Earn up to 6X the Scene+TM points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.2 ​

The only major bank that saves you 2.5% on foreign transaction fees.8∆

Special Offer

Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points.1

Is this Credit Card right for you?

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases
  • Interested in building your credit history by making at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Prefer cash back rewards
  • Rarely travel or make foreign currency purchase

Fees, rates & other information7

Annual fee


Interest rates

20.99% on purchases
22.99% on cash advances

Minimum credit limit


Each supplementary Card


No foreign transaction fees

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.8

Your award-winning card

  • Winner of the 2024 Rewards Canada Top Travel Points Credit Card (annual fees) 

  • Winner of the 2023 MoneySense Best Rewards Card for everyday spending

  • Winner of the 2023 credit card Genius Best Foreign Exchange Credit Card±

  • Winner of the 2022 Rewards Canada Top Travel Points Credit Card (annual fees)

Ways to earn Scene+ points

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Sobeys, Safeway, FreshCo, Foodland, and more

Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more.

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Eat in and Eat out

Earn 5 Scene+ points2 for every $1 CAD you spend in Canada on Dining, Food Delivery, and other eligible grocery stores. Includes popular food delivery and food subscriptions.

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Watch and Cheer

Earn 5 Scene+ points2 for every $1 CAD you spend in Canada eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

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Ride and Drive

Earn 3 Scene+ points2 for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.

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Listen and Stream

Earn 3 Scene+ points2 for every $1 CAD you spend in Canada on eligible select streaming services.

Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases

Your card comes with great benefits

Exclusive access to special offers and events

Earn Scene+ points

New  Earn and redeem Scene+ points when you shop at over 1,100 eligible grocery stores across Canada including Sobeys, Safeway, FreshCo, Foodland, and more.

Amex Offers®†

Make every day more rewarding with Amex Offers®† With offers for shopping, dining, travel, and more, there’s something for everyone. Adding offers to your card is quick, easy, and best of all, incredibly rewarding.14

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American Express Experiences®

American Express Experiences9 includes:
  • Front Of The Line® Presale Tickets or reservations to some of the most in-demand concerts, theatre productions, restaurants and special events, often before the general public.
  • Front Of The Line Reserved Tickets gets you access to a block of great seats reserved for Cardmembers even after shows are on sale to the public.
  • Special Offers & Experiences for all Cardmembers - enjoy a variety of special Entertainment offers and events created for Cardmembers.

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Book and redeem easily

Book and redeem any flight for any time through Scene+ Travel3, a full-service travel agency4

Program terms and conditions

Complimentary concierge services

Whether you need help booking your restaurant reservations or scoring tickets for a show, our concierge service is happy to assist you 24/7.5

Airport lounge access

Be confident that you’ll have a place to relax or catch up on business. Enjoy a preferred discount on the Priority Pass™ membership and access over 1200 VIP lounges around the world as a Scotiabank Gold American Express® Cardholder.6

Save time at the checkout

Tap your Scotiabank Gold American Express® Card on your smartphone for quick easy payments.12

Pay faster

Apple Pay – The easy, secure, and private way to pay with your eligible Scotiabank credit cards.12

Get a supplementary Card

Get an additional Card for a friend or family member by adding them as a supplementary cardholder to your Scotiabank Gold American Express® Card account.13

See your rewards and save.

Scene+ Program Terms and Conditions

Pay no foreign transaction fees

Check out how your card saves you 2.5% on all your foreign currency purchases.8

Save 2.5% on all your foreign currency purchases.8

Watch the video to see how it works.

Watch video

Get the Scotiabank Gold American Express® Card

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Scene+ makes every experience more rewarding.

Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

Discover your credit card rewards

Enter your monthly spend details to compare Scotiabank's credit card benefits and calculate your rewards.

Use the rewards calculator

Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

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