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Scotiabank Gold American Express® Card
$150
Scotia Amex Gold
Credit Card · Apply through Finly
Cash back
$150
Finly rebate
$150
Get $150 rebate** on the Scotiabank Gold American Express® Card
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Paid via INTERAC e-Transfer
Secure & private
$952,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
To be eligible for this offer, the following applies:
- You must be approved for the card after submitting your application
- You must be a new cardholder
- This offer is only valid for online applications initiated through our link. Phone call or in-branch applications are not eligible for the rebate offer.
- There is 3-5 days of delay before the bank may report back your approval status
The card
Why Scotia Amex Gold?
Great rewards, travel benefits and no FX fees
How to earn the welcome bonus
- Earn up to $850 in welcome offers, first year rewards and savings value, and up to 45,000 bonus Scene+ points.1
- Earn 25,000 bonus Scene+ 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+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
- Rates, fees and other information are effective as of October 31, 2025. Subject to change.
- Offer Validity: January 2, 2026 - July 1, 2026
Earns rewards on
1x - 6x
Groceries
Dining
Entertainment
Subscriptions
Transit
Travel
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Fees & rates
Annual fee
$120
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign transaction
0%
Additional cards
$29
Min personal income
$12,000
Min household income
$12,000
Credit recommended
Good
Built-in perks & coverage
No Foreign Transaction Fees
American Express® Experiences
Concierge Services
Discount
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Trip Cancellation
Trip Interruption
Lost or Stolen Baggage
Baggage Delay
Ready when you are
$150 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
How you get paid
From offer to bank deposit
The financial institution approves your application — we handle the rest. No claims to file, no portals to log into.
01
Sign in to Finly
Create an account or sign in. Add your Interac e-Transfer email so we can pay you out.
02
Click the offer
We track your application via your Finly account — no codes needed. Don't switch devices or use ad-blockers.
03
Apply with the financial institution
Complete the financial institution's application as usual on their site. Get approved on their schedule.
04
Wait for verification
The institution reports your sign-up to us within a few days to a few weeks. We'll email you when it's confirmed.
05
Get paid via Interac
Once verified, we e-Transfer your rebate within 10 days. The cash lands directly in your bank account.
Your timeline at a glance
1
Posting time
2-5 business days after submission
Time before the transaction shows up in your Finly profile.
2
Locking time
2-5 business days if instant approval, 30-60 days if extra verification required
Time before the rebate is locked in and ready for payout.
Stack & save
Bundle this with a complementary offer
Open more than one product through Finly and you earn a separate cash rebate on each. We'll e-Transfer them all to the same Interac email — no extra steps on your end.
Apply for 3 more offers to stack rebates from a single Finly account.
Browse all
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
* Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of November 4, 2025:
$450 in travel rewards (45,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 25,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$58 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);
$386 in first year point earn potential (38,500 Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 30% in 6X, 5X and 3X accelerator categories.
Potential First Year Value = up to $894 (rounded down to $850)
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
1Offer Description and Conditions: The 45,000 Bonus Scene+ Points and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between January 2, 2026 and July 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below.
45,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 25,000 bonus Scene+ points (the “25,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 25,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 25,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between October 31, 2025 and January 1, 2026 on the Account for the first year only.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
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.