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Scotiabank Gold American Express® Card
4.9
American Express® Aeroplan®* Reserve Card
4.1
Finly Rebate
Finly Rebate
N/A
Rewards Breakdown
Annual Rewards
$644.5
Scene+
First Year Bonus Value
$400
Scene+
Annual Fee
$120
First Year Value
$924.5
$524.5 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$659.8
Air Canada Aeroplan®
First Year Bonus Value
$0
Air Canada Aeroplan®
Annual Fee
$599
First Year Value
$60.8
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included*
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Extended Warranty
Purchase Protection
Hotel Burglary Insurance
Emergency Out of province Medical
Trip Cancellation
Trip Interruption
Flight Delay
Mobile Device Insurance
Emergency Medical Over 65
Insurance Included*
Lost or Stolen Baggage
Baggage Delay
Car Rental Damage & Theft
Travel Accident
Extended Warranty
Purchase Protection
Hotel Burglary Insurance
Emergency Out of province Medical
Trip Cancellation
Trip Interruption
Flight Delay
Extra Benefits*
No Foreign Transaction Fees
Concierge Services
Discount
American Express® Experiences
Extra Benefits*
Companion Voucher
Status lift
Status lift
Status lift
Status lift
Free first checked bag
Extra points
Free Extra Night at Hotels
Nexus Program Rebate
Priority Travel
Priority Travel
Airport Lounge - Maple Leaf and AirCanada Cafes
Airport Lounge - Priority Pass
Amex Experiences™
Interest Rates*
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates*
Purchase:
21.99%2
Cash Advance:
21.99%2
Annual Fee*
$120
Annual Fee*
$599
Income Required*
Min Personal Income:
$12,000
Min Household Income:
$12,000
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus*
Earn 20,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Welcome Bonus*
60,000 Aeroplan® points after spending over $7,500 on your Card within the first 3 months as a new American Express® Aeroplan® Reserve Cardmember, plus 25,000 Aeroplan® points when you spend $2,500 in month 13. Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
Rewards Rate*
Rewards Rate*
Loyalty Program*
Loyalty Program*
Point Redemption Options*
Travel
Merchandise
Gift Cards
Entertainment
Groceries (Sobeys)
Restaurants
Statement Credits (Cash)
Point Redemption Options*
Travel
Merchandise
Gift Cards
Most Optimal
Aeroplan® Flights
Car Rentals
Is this card worth it?
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Is this card worth it?
If you are a frequent Air Canada traveler, having an Aeroplan card for perks like free checked bags and priority service can be very beneficial. Many financial institutions offer Aeroplan cards, but I don't believe the American Express version is the best one. Opting for another option might be better. However, the Amex card does have a very large sign-up bonus, making it a great choice for those specifically seeking that.
Pros
Pros
Cons
Cons
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