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Scotiabank Gold American Express® Card
American Express Platinum Card®
Welcome Bonus
Earn up to 50,000 bonus Scene+TM points†◊ and pay no annual fee in your first year.◊ Earn 30,000 bonus Scene+TM points by making at least $2,000 in everyday eligible purchases in your first 3 months. You are eligible to earn an additional 20,000 Scene+TM point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Welcome Bonus
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away. New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
Our Cash Offer
$75 $150 Cash Rebate offer from FinlyWealth
Promotional rebate expires on Oct 1, 2025
Our Cash Offer
N/A
Rewards Breakdown
Annual Rewards
$644.5
Scene+
First Year Bonus Value
+
$500
Scene+
Annual Fee
-
$120
$0
First Year Waived
Finly Rebate
Exclusive Offer
First Year Value
$1,294.5
$524.5 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$581.26
American Express Membership Rewards
First Year Bonus Value
+
$0
American Express Membership Rewards
Annual Fee
-
$799
First Year Value
-$217.74
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
While the first year bonus value here may show $0, the actual welcome bonus offer for this credit card is Earn up to 100,000 Membership Rewards® points, which we value at $2,100 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs and whether you meet the minimum listed requirements.
How to Earn Rewards
How to Earn 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
Concierge Services
American Express® Experiences
No Foreign Transaction Fees
Discount
Extra Benefits
Concierge Services
American Express® Experiences
Trip and legal Assistance
Status lift
Status lift
Extra points
Travel Credit
Dining Credit
Nexus Program Rebate
Airport Lounge - American Express Global Lounge
Complimentary Hotel Benefits
Priority Travel
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99% - 30%2
Cash Advance:
N/A2
2 This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
Annual Fee
$120
$0$
First Year Waived
Annual Fee
$799
Income Required
Min Personal Income:
$12,000
Min Household Income:
$12,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Merchandise
Gift Cards
Statement Credits (Cash)
Entertainment
Travel
Groceries (Sobeys)
Restaurants
Point Redemption Options
Statement Credits (Cash)
Gift Cards
Merchandise
Most Optimal
Transfer to Airline Partners
Fixed Point Travel Program
Transfer to Hotel Partners
Amazon.ca
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're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.
Pros
Pros
Cons
Cons
vs Scotiabank Value® Visa* Card
vs Scotiabank Passport® Visa Infinite* Privilege Card
vs Scotiabank Platinum American Express® Card
vs Scotia Momentum® Visa Infinite* Card
vs Scotia Momentum® No-Fee Visa* Card
vs Scotia Momentum® Mastercard®* Credit Card
vs Scotiabank® Scene+ Visa Card
vs Scotiabank American Express® Card
vs Neo World Elite® Mastercard®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs Marriott Bonvoy® American Express®* Card
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs SimplyCash™ Preferred Card from American Express
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red Mastercard®
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Legal
◊Conditions apply.
†With minimum spend in the 1st year.
*On eligible purchases in Canada only. Conditions apply.
Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.
*Terms and conditions apply.
This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 28.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.