Rewards card · Scotiabank
Scotiabank Gold American Express Card
Scotiabank · Amex · rewards
Below is every rate the Scotiabank Gold American Express Card earns, each one quoted from Scotiabank's own terms with the clause and the date we checked it. The $120 annual fee is shown on its own, never subtracted from a rate.
6 pts
Top rate
1 pt
Base rate
$120
Annual fee
0%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas, transit, streaming and entertainment.
Everything it earns
every rate quoted from Scotiabank's terms · annual fee shown separately, never netted6 pts
≈ 6% back
Groceriesverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“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.”
Cap $50,000 / yr
Read the source terms5 pts
≈ 5% back
Diningverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment.”
Cap $50,000 / yr
Read the source termsEntertainmentverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment.”
Cap $50,000 / yr
Read the source terms3 pts
≈ 3% back
Gasverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases.”
Cap $50,000 / yr
Read the source termsTransitverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases.”
Cap $50,000 / yr
Read the source termsStreamingverified Jul 7, 2026Read the clause
Verbatim clause from Scotiabank's terms
“three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases.”
Cap $50,000 / yr
Read the source terms1 pt
≈ 1% back
Everything elseverified Jul 7, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$120
Foreign transaction fee
On purchases in a currency other than Canadian dollars
0%
How we verify
Every rate on this page is quoted from Scotiabank's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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