Verdict
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 Jul 7, 2026Reviewed by Reynard Lin

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 netted
6 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 terms
5 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 terms
Entertainmentverified 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 terms
3 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 terms
Transitverified 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 terms
Streamingverified 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 terms
1 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 Reynard Lin. Spotted something off? or email us at tapverdictadmin@gmail.com

See what this card
would get you.

Verdict scores this card against how you actually spend and gives you the yearly figure, after the fee. It runs in the app on your phone. No account, and your spending stays on your device.

Scan to open Scotiabank Gold American Express Card in Verdict
Run the numbers
Scan to open it on your phone, or visit tapverdict.com
Verdict
Know which card to tap. Instantly.
Every rate on this page is quoted from the card issuer's own current terms and dated the day we last checked it. Spotted something off? or email us at tapverdictadmin@gmail.com
Free · no login · no ads · made in Canada · rates last verified Jul 2026
Verdict is independent. It is not a bank, does not issue these cards, and takes nothing today to rank any card above another. Rates are quoted from each issuer's current terms on the date shown and may change. This is not financial advice, verify current terms with your issuer before you apply.