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Your cash advance rate applies to advances, balance transfers, and cash-like transactions.
You have a minimum personal income of $12,000 per year.
As a Scotiabank Gold American Express® cardholder, you get a discount on a Priority Pass™ membership. This gets you access to over 1,200 lounges around the world.9
With Scene+, you have the flexibility to use your points on travel purchases, the way you want.
To apply points to travel:8
Or, to book with Scene+ Travel, Powered by Expedia:7
When you visit Shell Canada locations, you can get up to 12¢/L in value at the pump when you use your linked Scotiabank Gold American Express Card.° Learn more
Shop online or abroad without the typical 2.5% foreign transaction fee on purchases made in a foreign currency.5 Just the exchange rate applies.
A flexible way to pay off eligible Scotiabank credit card purchases of $100 or more, with low interest rates and no installment plan fee.§
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotiabank Gold American Express Card.15
AVIS reservations may be made online at avis.com/scotiabankgoldAMEX or by calling 1-800-TRY-AVIS (879-2847). Please quote AVIS worldwide discount number C231401.
Budget Reservations may be made online at budget.com/scotiabankgoldAMEX or by calling 1-800-268-8900. Please quote Budget Corporate Discount number A363307.
With Amex Experiences, you’ll get:
All Amex Experiences are subject to availability and must be charged to your Amex card.6
Get exclusive offers for shopping, dining, travel, and more, just for Scotiabank Gold American Express® Card cardmembers.10
Whether you need help booking restaurant reservations or scoring tickets for a show, the concierge service is happy to help you 24 hours a day, 7 days a week.11
Receive up to $1 million in emergency medical coverage for you, your spouse, and your eligible dependent children. Coverage is provided for eligible persons under age 65 for up to 25 consecutive days, and for eligible persons age 65 and older for up to 3 consecutive days.12
When you charge at least 75% of your ticket to your card, you’re eligible for reimbursement of necessary expenses if your flight is delayed up to $500 per insured person on the same trip.12
If your checked luggage is delayed or lost, you may be covered up to $1,000 if you charged the full cost of your travel ticket to your card.12
When you charge at least 75% of your trip to your card, you’re insured against accidental loss of life or dismemberment up to $500,000 per insured person and up to $1,000,000 per occurrence.12
If your eligible rental car is damaged or stolen, you’re automatically insured if you:
Get up to $1,000 in theft coverage when you use your card to pay for a hotel or motel stay in Canada or the US. The coverage applies to you, your spouse, and your dependent children.12
If you charge the full purchase price of your new smartphone or tablet to your Scotiabank Gold American Express® Card and activate available cellular technology with a provider or charge all of your wireless bill payments for such device to your card when you fund the purchase through a plan, you may be covered for up to $1,000 CAD if the device is lost, stolen, or accidentally damaged.12
Most new purchases made with your Scotiabank Gold American Express® Card are protected against theft, loss, or damage for 90 days from the purchase date.12
Plus, when you charge the full cost of most items to your Scotiabank Gold American Express® Card, extended warranty coverage may double the original manufacturer’s warranty for up to one year.12
Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price, and is in excess of any other insurance coverage.12
Items covered by a manufacturer’s warranty for repair services of five years or more must be registered within the first year of purchase.12
This optional insurance helps protect your finances by helping cover your balance or monthly payments during unexpected life events, such as13:
There are two different coverage bundles to choose from13:
Basic Protection
Comprehensive Protection
Earn Scene+ points for every $1 CAD you spend in Canada on eligible purchases.1
5 points
On dining, food delivery, food subscriptions, and other eligible grocery stores.*
5 points
On eligible entertainment purchases. Includes movies, theatre, and ticket agencies.*
Up to 4 points
Earn 1 Scene+ point for every $1 you spend on eligible travel purchases.
Plus, earn an extra 3 Scene+ points for every $1 you spend on hotels and car rentals when you book through Scene+ Travel, Powered by Expedia.7
3 points
On eligible gas and transit options. Includes rideshare, buses, taxis, subways, and more.*
3 points
On eligible streaming services.*
1 point
On all other eligible purchases.*
Earn extra points with Scene+ rewards partners when you show your Scene+ membership card.
Redeem your points, your way. Visit the Scene+ hub to explore all the ways to redeem or check out a few examples here:
1,000 points
$10 off Cineplex movie tickets.
3,000 points
$20 account credit on eligible accounts.
5,000 points
$50 off at Home Hardware.
10,000 points
$100 off at eligible grocery stores.
20,000 points
$200 off travel with Scene+ Travel, Powered by Expedia and Apply Points to Travel.
Leading publishers like Rewards Canada and milesopedia agree that the Scotiabank Gold American Express® Card is a winner. Browse all awards.
The Scotiabank Passport Visa Infinite +, Scotiabank Passport Visa Infinite Privilege, and Scotiabank American Express Platinum cards give you access to airport lounges.
The Scotiabank Passport Visa Infinite + card gives primary cardholders a complimentary membership in the Visa Airport Companion Program, plus six complimentary lounge visits per year from the date of enrollment. The Scotiabank Passport Visa Infinite Privilege card gives the primary and each additional cardholder a complimentary membership in the Visa Airport Companion Program, plus ten complimentary lounge visits per year from the date of enrollment. This program is powered by DragonPass, and provides access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges. These lounge visits are eligible for the primary cardholder and a travel companion.
Scotiabank American Express Platinum cardholders can visit lounges in more than 100 countries and 300 cities worldwide. Primary cardholders get a complimentary membership to Priority Pass, plus 10 free visits per year from the date of enrollment. Supplementary cardholders get a Priority Pass membership and 4 free visits per year.
To activate a Scotiabank Visa or American Express credit card, visit our online activation page.
To activate a Mastercard, please call 1-866-583-6289.
To add a supplementary card to your credit card account:
We’ll ask a few quick questions including ones about your job, your yearly income, and where you live.
This card might not be right if you:
Offer Description and Conditions: The 65,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between November 2, 2026, and January 3, 2027 (regardless of the date you apply for the Account) and is subject to the conditions below.
To be eligible for 40,000 bonus Scene+ points (the “40,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the 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.
Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 40,000 Point Bonus and 25,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 40,000 Point Bonus or the 25,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. 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. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
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 (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
Awarded on January 9, 2025, by Milesopedia.
As awarded by Rewards Canada on January 4, 2024.
Awarded on February 25, 2025, by ratesdotca
As awarded by Rewards Canada on January 4, 2022.
You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made 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 locations charged and posted to the Scotiabank Gold American Express Card Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.
You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Card Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Card Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). For a current list of eligible select streaming services, contact Scotiabank at 1-888-860-7093 or through the “Connect with Scotia chat” option on the Scotia app. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Card Account (the “Regular Earn Rate”).
You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ 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® card once that foreign currency has been converted into Canadian dollars.
Merchant classifications – American Express network 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. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Card Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Card Account.
Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for 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 if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.
For current rates and information on fees and interest fees, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about credit card fees and interest rates.
If you open an Ultimate Package account (the “Account”), on or after the date you open the Account (“Account Open Date”) you will receive an annual fee rebate of up to $150 on one Eligible Card that you hold as the primary cardholder (“Annual Fee Rebate”), for each year as long as you have one eligible Scotiabank Credit Card account (an “Eligible Card”) and the Account which are open and in good standing. You will receive the Annual Fee Rebate, even if you opened an Eligible Card prior to the Account Open Date. Eligible Cards are the Scotiabank Gold American Express® Card, Scotiabank Passport® Visa Infinite +*, Scotiabank Passport® Visa Infinite Privilege*, Scotia Momentum® Visa Infinite +* and Scotiabank Value® Visa* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened. The Annual Fee Rebate will be applied to the first annual fee charged on the Eligible Card after the Account Open Date. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the first annual fee that is charged on an Eligible Card after the Account Open Date. If your Eligible Card has an annual fee that is greater than $150, you remain responsible for any difference after the Annual Fee Rebate is applied. All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Rebate cannot be combined with any other annual fee rebate or waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.
Effective starting on and after June 22, 2026 (the “Effective Date”), clients who have a Preferred Package account (“Account”) will receive an annual fee rebate of $40 (“Annual Fee Rebate”) on one Eligible Card Account where they are the primary cardholder (“Eligible Card”), beginning on the first Anniversary Date after June 22, 2026 (and on each annual Anniversary Date thereafter), provided all of the following conditions are met: (i) there must be at least $15,000 in Qualifying Purchases posted to the Eligible Card Account in the 12 monthly statement periods prior to the month in which the Eligible Card Account’s annual fee is charged to the Eligible Card Account (the “Annual Anniversary Spend Amount"), and (ii) both the Eligible Card Account and the Account must be open and in good standing at the time the Annual Fee Rebate is applied. The Rebate should appear on your Eligible Card statement approximately on, or within the first two statements after the annual fee is charged to the Eligible Card Account.
The first-year annual fee(s) charged on your Eligible Card Account after the Effective Date is not eligible for an Annual Fee Rebate. The Annual Fee Rebate applies, even if you opened an Eligible Card Account prior to the Account Open Date.
Each Account will only receive one Annual Fee Rebate regardless of the number of accountholders on the Account or Eligible Cards held or opened on the Eligible Card Account. If you are the primary cardholder of multiple Eligible Cards, the Annual Fee Rebate will be applied to the annual fee that is charged first on an Eligible Card after the Account Open Date if you meet the Annual Anniversary Spend Amount.
If your Eligible Card Account has an annual fee(s) that is greater than the amount of the Annual Fee Rebate, you are responsible for any difference in annual fee(s) after the Annual Fee Rebate is applied. All other fees and charges applicable to the Eligible Card Account continue to apply.
The Annual Fee Rebate is subject to change and cannot be combined with any other offer including an annual fee rebate or waiver offer. Annual fees, rates and other features for Eligible Cards are subject to change. We may limit or revoke the Annual Fee Rebate(s) without notice if we believe there is suspicious or fraudulent activity, if the offer is being abused, or if you receive an Annual Fee Rebate in error.
“Account Open Date” means the date that the Account is opened.
“Anniversary Date” means the date that is one year after the annual fee is first charged to your Eligible Card Account and every 12 months thereafter.
“Eligible Card Accounts” are currently the Scotiabank Gold American Express®, Scotiabank Passport® Visa Infinite +* and Scotia Momentum® Visa Infinite +* credit cards. Eligible Card Accounts are subject to change.
A “Qualifying Purchase” is a Purchase (as defined in your credit agreement for your Eligible Card Account) that is posted to your Eligible Card Account, less any refunds, returns or other similar credits on your Eligible Card Account. Qualifying Purchases exclude cash advances (including balance transfers and cash-like transactions), interest charges, fees and payments posted to your Eligible Card Account.
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.
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. For full terms and conditions, click here.
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
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.
Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply.
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.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada: Tel: 1-800-387-7199, Option 3, or www.chubb.com under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.
The insurance premium and applicable sales tax will be charged to your Scotiabank credit card account. The Bank of Nova Scotia receives an administration fee from the Insurer to distribute this insurance.
The Bank of Nova Scotia and its employees are not agents of Chubb Life Insurance Company of Canada, nor can they waive or change any terms of the Scotia Credit Card Protection plan.
Coverage amounts may be less than the outstanding account balance.
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.
The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.
Savings and point earn potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of Sept 10, 2026:
$400 in travel points (40,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months
$250 in travel points (25,000 bonus Scene+ points) when you spend $7,500 within the first 12 months
$58 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don't pay the 2.5% foreign transaction fee markup typically charged by other card issuers);
$397 in first year point earn potential (39,700 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 28% in 6X, 5X and 3X accelerator categories combined.
Potential First Year Value = up to $1,105.56 (rounded down to $1,100)
Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
Scotia SelectPay Conditions apply. Review Terms and Conditions for full details or visit scotiabank.com/selectpay to learn more.
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.
Used by Amex Bank of Canada under license of American Express.
As awarded by creditcardGenius on January 5, 2025.
As awarded by creditcardGenius on January 3, 2023.
As awarded by creditcardGenius on January 5, 2022.
Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023.
Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
All other trademarks are the property of their registered owners.
On eligible purchases in Canada only. Conditions apply.
Subject to availability. Conditions apply.
Exchange rate still applies. Conditions apply.
With minimum spend in the 1st year. Conditions apply.
Certain assumptions apply. Actual value may vary.
Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 5 cents per litre in Scene+ points value with a Scotiabank Gold American Express Card linked to a Shell Go+ Account:
Note: Highest value of 12 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank Gold American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
