No FX FeeLounge AccessVisa

Scotiabank Gold American Express Card

Name: Scotiabank Gold American Express Card
Brand: Scotiabank
Price: 120 CAD
Availability: InStock

Scotiabank · Scene+

An Amex card earning Scene+ points with no FX fee and a low $12,000 income requirement. Suits everyday spenders seeking travel flexibility.

$120/yr

Annual Fee

First year waived

Best Earn

None

FX Fee

$12,000

Min. Income

Current Offer

Earn up to 45,000 bonus Scene+ points

Spend requirement: $7,500 in 12 months

20,000 Scene+

Apply for the Scotiabank Gold American Express Card

You'll be taken to the issuer's secure application page.

Earn Rates

Groceries

6xpoints

6×

Dining & restaurants

5xpoints

5×

Food Delivery

5xpoints

5×

Entertainment

5xpoints

5×

Streaming services

3xpoints

3×

Gas & fuel

3xpoints

3×

Transit & commuting

3xpoints

3×

Rideshare

3xpoints

3×

Everything Else

1xpoints

1×

Airport Lounge Access

Priority Pass

Discounted Priority Pass membership

lounge visits are paid separately.

Insurance & Protection

Trip cancellation — $10,000/trip · charge required

Trip interruption — $10,000/trip · charge required

Baggage delay/loss

Rental car collision — CDW/LDW

Pros

Scene+ points on all purchases
Comprehensive travel insurance coverage
Premium Amex benefits and offers
No minimum income requirement

Cons

$120 annual fee
Limited Amex acceptance in Canada
Points value depends on redemption method

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