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Imagine earning up to 6X Scene+™ points for every $1 CAD you spend in these categories within Canada.
THE BEST REWARDS CREDIT CARD IN CANADA
Scotiabank Gold American Express Credit Card
Rates & Fees
A lot of benefits and rewards
One of the most rewarding credit cards in Canada with useful benefits, travel insurance and no foreign transaction fees.
Welcome Bonus
40,000 Scene+ points
Annual Fee
$120
Regular APR
20.99%
Credit Score
Very Good/Excellent
Rates & Fees
A lot of benefits and rewards
One of the most rewarding credit cards in Canada with useful benefits, travel insurance and no foreign transaction fees.
Welcome Bonus
40,000 Scene+ points
Annual Fee
$120
Regular APR
20.99%
Credit Score
Very Good/Excellent
- Generous welcome bonus of up to 40,000 Scene+ points ($400 value). Earn 20,000 points by spending $1,000 in your first three months and get 20,000 points when you spend at least $7,500 in in your first year. Must apply by July 1, 2024.
- Earn up to 6 Scene+ points per dollar on groceries at select stores, 5 Scene+ points per dollar at groceries stores, dining and entertainment, 3 Scene+ points per dollar on gas and transportation and select streaming and 1 Scene+ point per dollar on everything else.
- Scene+ points have an average value of $0.01 per point.
- Flexible points redemption with no blackouts or restrictions on travel.
- No foreign transaction fees
- Comprehensive travel insurance benefits including travel emergency medical coverage, travel accident and trip delay.
- Rental car collision loss/damage insurance coverage
- Consumer protections such as mobile device insurance, extended warranty and purchases protection.
- Access to special offers, airport lounge discounts and Amex Front Of The Line.
- Earn up to 6 Scene+ points per dollar spent and redeem for anything you want, including travel, merchandise, movies and cash back.
- No foreign transaction fees and excellent travel insurance coverage.
- Strong welcome bonus of up to $400 worth of bonus points in your first year.
Why We Recommend the Scotiabank Gold American Express Card
When it comes to choosing a credit card, the Scotiabank Gold American Express Card stands out as a top contender, especially for those who love to maximize their spending rewards. Here’s why we think this card could be a great addition to your wallet.
Firstly, the rewards structure of the Scotiabank Gold American Express Card is incredibly attractive. It’s designed for those who spend regularly on groceries, dining, and entertainment.
That’s a rate hard to beat! Plus, for your other everyday expenses, you’re still earning 1 Scene+ point per dollar spent. This accelerated point accumulation can lead to some exciting redemption options, from travel to movie tickets.
The absence of foreign transaction fees is another huge perk. If you’re a traveler or enjoy shopping from international websites, this feature alone can save you a substantial amount in fees.
Normally, these fees can add up to 2.5% per transaction on other cards, but with the Scotiabank Gold American Express Card, they’re completely waived. This makes it an ideal companion for both your physical and digital globetrotting adventures.
How You Can Use the Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card isn’t just another piece of plastic in your wallet; it’s a gateway to a world of rewards and convenience. Let’s dive into how you can make the most of this card.
One of the most appealing aspects of this card is its versatility. Whether you’re filling up your grocery cart at Sobeys, dining out at your favorite restaurant, or streaming the latest series, you’re not just spending; you’re earning. The card’s extensive earning rates on everyday categories make it an excellent choice for maximizing rewards on your regular expenditures. Plus, the added bonus of earning points on gas and daily transit makes it a practical choice for daily commuters.
But the rewards don’t stop at earning points. The redemption options with Scene+ points are vast. You can use them for travel bookings, which is great for those bitten by the travel bug. Or, if you’re more of a homebody, redeem them for movie tickets, dining, or even shopping. This flexibility makes it easy to tailor the rewards to your lifestyle.
For the frequent traveler, the card is a true gem. The elimination of foreign transaction fees means you can use the card abroad without the usual extra costs. This feature, combined with the comprehensive travel insurance coverage, makes the card an ideal travel companion, providing peace of mind and savings.
Moreover, the card’s additional benefits, like Amex Front Of The Line and American Express Invites, offer exclusive access to events and experiences. Whether it’s scoring tickets to a sold-out concert or getting special deals on dining, these perks add a layer of luxury to your cardholder experience.
