Scotiabank
Get up to 50,000 Scene+ points, annual fee waived in first year, and up to 6X points on groceries with the Scotiabank Gold American Express® Card.
Offer Overview
The Scotiabank Gold American Express® Card stands out for Canadians seeking value and perks. Earn up to 50,000 bonus Scene+ points in your first year, with the annual fee of $120 waived for new clients in year one. With competitive rates—20.99% on purchases and 22.99% cash advances—you can maximize rewards while controlling costs. Cardholders can earn up to 6X Scene+ points on groceries at select stores and enjoy extra categories for dining and entertainment. Foreign transaction fees are waived too, making it a solid option for travellers and online shoppers alike.
How to Apply: A Quick Guide
Applying is simple. Have your personal ID, proof of income, and contact information handy for the online application. You will review the terms and confirm your eligibility, such as no prior Scotiabank credit card in the past two years. Submit the application online and receive a response, often within minutes. If approved, activate your card and enjoy your welcome bonus and benefits. For newcomers, in-branch applications are available for personalized support. The application process is straightforward and designed to be completed quickly.
Pros of the Scotiabank Gold Amex
This card offers exceptionally high earn rates—up to 6X Scene+ points at featured grocery chains in Canada—empowering cardholders to rack up rewards faster on everyday spending. The waived foreign transaction fee is a rare and valuable feature, making this card a top pick for travel and online purchases billed in foreign currencies. With a generous welcome offer and comprehensive insurance coverage, it delivers fantastic value for families and individuals alike.
Contro da considerare
The standard annual fee is $120 after the first year, so budgeting for ongoing costs is important. Additionally, bonus Scene+ point eligibility requires significant spending within the first year to reach the maximum rewards, which may not suit all spending habits. Acceptance of American Express is excellent in Canada, but still not as universal as Visa or Mastercard, so alternate payment methods may occasionally be needed.
Verdetto finale
The Scotiabank Gold American Express® Card is an excellent all-rounder, especially for those who want rewards on groceries, travel, and daily purchases. The no-foreign transaction fee feature sets it apart, and the first-year value is compelling with no annual fee and a robust bonus. If you aim for maximum rewards and use Scene+ partners, this card deserves strong consideration.
