Extended – Earn up to 50,000 Scene+ points and FYF with Scotiabank Gold American Express Card

The Scotiabank®* Gold American Express® Card is one of Canada’s strongest travel credit cards, offering numerous benefits that make it an excellent choice for everyday spending. I often highlight these five reasons when recommending it to Canadians:

1. Welcome Bonus and Annual Fee Waiver: The card currently offers a welcome bonus of up to 50,000 bonus Scene+^TM points† (apply by January 1, 2026), along with a first-year annual fee waiver‡ (a $120 savings). These bonus points alone can be redeemed for up to $500 in travel.
2. Exceptional Earn Rates: With 6x points at major grocery stores such as Sobeys, IGA, Safeway, Foodland, and FreshCo (among others), and 5x points on other grocery, dining, and entertainment purchases, it’s easy for families to maximize the $50,000 annual spend limit.
3. No Foreign Transaction Fees¹: This feature saves you the standard 2.5% foreign transaction fee on all international purchases¹ typically charged by credit cards, including online transactions. As a frequent traveller, I particularly value this perk on a premium card.
4. Comprehensive Insurance Coverage: The card provides unparalleled insurance coverage², offering extensive travel protection. This includes Emergency Medical, Trip Cancellation/Interruption, Flight Delay, Lost Luggage, Delayed Luggage, Rental Car insurance, Hotel/Motel Burglary Insurance, Mobile Device insurance, Purchase Protection, and Extended Warranty.
5. Flexible Scene+ points: My favourite feature is the flexibility of Scene+ points for all travel redemptions. Members can book travel with any provider and then apply Scene+ points directly to the transaction on their card, with 1,000 points equaling $10 CAD.

Scotiabank Gold American Express Card – Apply Now 

• Annual Fee:  First Year Annual Fee Waived‡
• Welcome Bonus: Up to 50,000 bonus Scene+ points† (apply by January 1, 2026)
  • 30,000 points with $2,000 in everyday eligible purchases in the first 3 months from account opening
  • 20,000 points with $7,500 in everyday eligible purchases in the first year
• Earning Rate:
  • 6X at Sobeys, Safeway, FreshCo, Foodland, and more*
  • 5X on other Grocery stores, Dining and Entertainment (Canada only)*
  • 3X Gas, Daily Transit, Select Streaming Services (Canada only)*
  • 1X on all other purchases
• Other Key Benefits:
  • Pay no foreign transaction Fees¹ – save the typical 2.5% fee on all your foreign currency purchases
  • Additional benefits + 4X on every dollar spent on hotel bookings, car rentals and on things to do with Scene+ Travel, Powered by Expedia
  • Comprehensive Travel and shopping Insurance coverage²;
    • Travel Medical Emergency Insurance
    • Trip Cancellation/Trip Interruption Insurance
    • Flight Delay Insurance
    • Delayed and Lost Baggage Insurance
    • Travel Accident Insurance
    • Rental Car Collision Loss/Damage Insurance
    • Hotel/Motel Burglary Insurance
    • Mobile Device Insurance
    • Purchase Security & Extended Warranty Protection

A detailed list of benefits and perks of the Card is listed here

Redeeming Scene+ points

With Scene+, you can make travel arrangements with any travel provider, site, or operator you choose, and then select the “Apply Points to Travel” option to redeem points to cover your trip costs within 12 months from the date of the eligible travel purchase. Simply:

1. Book eligible travel using your Card.
2. Wait for your travel purchase to be posted to your Card.
3. Log in and redeem your Scene+ points towards the travel purchase (10,000 points = $100).

Alternatively, you can choose to redeem your Scene+ points for non-travel redemptions, such as gift cards, prepaid cards, or other merchandise. You can also redeem points at over 700 dining partners, including Swiss Chalet, Harvey’s, and Montana’s, or use the ‘Points for Credit’ option to receive a statement credit on your account.

Takeaway

This is the strongest offer we have seen on the Scotiabank Gold American Express Card. 50,000 Scene+ points can be redeemed for up to $500 towards any travel purchase, and the annual fee waiver is valued at $120. When you add the savings from no foreign transaction fees and the strong earning potential of the card, it makes a compelling case for having this card in your wallet.

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Disclosures:

† With minimum spend in the 1st year. Conditions apply.
‡ Conditions Apply
¹ Exchange rate still applies. Conditions apply.
*On eligible purchases in Canada only. 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.
² Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. Limitations, restrictions and exclusions apply under all insurance coverages. Please see the certificates of insurance for full coverage details.