Scotiabank Gold American Express Card
The Scotiabank Gold American Express is a top-rated rewards card with high points on dining and groceries, no foreign transaction fees and complimentary travel insurance.
Why it ranks
- Outstanding earn rate on food and entertainment
- Rare no-FX-fee benefit for travellers
- Strong included insurance
What holds it back
- Annual fee applies
- Amex acceptance narrower than Visa or Mastercard
- Minimum income required to qualify
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Scotiabank Gold American Express is a top-rated rewards card with high points on dining and groceries, no foreign transaction fees and complimentary travel insurance.
Scotiabank Gold American Express Card at a glance
| Issuer | Scotiabank |
| Card network | Amex |
| Annual fee | C$120 |
| Welcome bonus | Large Scene+ points welcome bonus after spend |
| Rewards rate | 5x on groceries, dining and entertainment; 3x on gas/transit |
| Intro APR | Not applicable |
| Regular APR | 20.99% on purchases, 22.99% on cash advances |
| Foreign transaction fee | 0% on foreign currency purchases |
| Credit needed | Good to excellent credit |
| Best for | Diners and grocery shoppers who travel abroad |
| Airport lounge access | No |
Rewards & benefits
- 5x Scene+ points on groceries, dining and entertainment
- 3x Scene+ points on gas, transit and select streaming
- No foreign transaction fee on any purchase
- Comprehensive travel insurance package
Eligibility & who it suits
- Canadian resident and of provincial age of majority
- Minimum personal income of CAD 12,000
- Good to excellent credit history
- Pass Scotiabank's application review
How to apply
Check current rates on Scotiabank’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Canada cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SScotiabankGoldC$120/yr · CA Scotiabank Gold American Express CardDiners and grocery shoppers who travel abroad |
C$120/yr | 5x on groceries, dining and entertainment; 3x on gas/transit | Large Scene+ points welcome bonus after spend | 0% on foreign currency pur… | Good to excellent credit | |
| 2 | AEAmerican Express CanadaCobaltC$155/yr · CA American Express Cobalt CardFoodies and renters maximising dining and grocery rewards |
C$155/yr | 5x on dining and groceries, 3x on streaming, 2x on travel | Earn points monthly through a welcome bonus period | 2.5% on foreign currency p… | Good to excellent credit |
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