Scotiabank Gold American Express Card

Earn 5x Scene+ points on groceries, dining, and entertainment with the Scotiabank Gold American Express Card, plus enjoy a generous sign-up bonus.

Last checked on June 10, 2026. We may earn a commission when you click through.

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✓ 5x Scene+ points on groceries, dining, and entertainment ✓ First year annual fee waived ✓ Up to 45,000 bonus Scene+ points on sign-up
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Scotiabank Gold American Express Card

Amex · travel

Our Verdict

This card offers excellent rewards for frequent diners and entertainment seekers, but the high APR may deter those who carry a balance.

What it really costs

Annual feeCA$120/year, first year free CA$120
APR Range 21.99% – 22.99%
Rewards5x Scene+ on groceries/dining/entertainment, 3x gas/transit, 1x all else 5%
Welcome bonusUp to 45,000 bonus Scene+ points ($850 total welcome value in first year) CA$45k

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Who it's for

This card is designed for Canadians who prioritize dining and entertainment rewards and can pay off their balance each month.

Watch out

The high APR makes this card less suitable for those who may carry a balance, as interest can accumulate quickly.

The good and the not so good

  • 5x Scene+ points on groceries, dining, and entertainment
  • First year annual fee waived
  • Up to 45,000 bonus Scene+ points on sign-up
  • Travel benefits and insurance coverage
  • Flexible redemption options with Scene+
  • High APR between 21.99% and 22.99%
  • Annual fee of CA$120 after the first year
  • Limited rewards on non-bonus categories
  • Requires good to excellent credit for approval
  • Amex acceptance can be limited in some areas

In-Depth Review

If dining out and entertainment are regular expenses, the Scotiabank Gold American Express Card shines with its **5x Scene+ points** in those categories. This can quickly accumulate rewards, especially for avid foodies or moviegoers. The **sign-up bonus** of up to **45,000 Scene+ points**, valued at around **CA$850**, can make the first year especially appealing. However, potential cardholders should keep in mind the **annual fee of CA$120** after the first year. This fee, along with a **high APR of 21.99% to 22.99%**, can make the card costly for those who may not pay off their balances in full each month. The **limited rewards** on other purchases earning only **1x points** may also not satisfy those seeking broader earning potential. Customer service experiences with Scotiabank are generally positive, but Amex acceptance can vary across Canada, particularly in smaller towns. If you're someone who predominantly uses cash or debit, the **value of this card** might diminish. For those who travel often, this card includes travel insurance and benefits, which adds value. However, we would **not recommend** this card for anyone with a tendency to carry balances due to the potential for high interest accumulation. For those who can manage their spending, this card can be a rewarding tool in their wallet.

Summary

The Scotiabank Gold American Express Card offers strong rewards for specific categories but can be costly for those who don't pay off their balance regularly.

What cardholders say

Cardholders appreciate the robust rewards structure but express concerns about the high interest rates.

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