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⚖ Add to comparisonScotiabank · Amex
Scotiabank Gold American Express Card
This is the card to beat for Canadians who eat out, buy groceries and travel, because the 0% foreign transaction fee is rare and the 5x on food categories is genuinely strong. On CAD 12,000 of grocery and dining spend that's 60,000 Scene+ points a year, and the no-FX-fee perk alone can save you the CAD 120 fee if you spend a few thousand abroad. The catch is Amex acceptance, which is thinner than Visa at smaller Canadian merchants, so keep a backup; verify the earn caps and fee on Scotiabank's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Pick up 5x Scene+ points on groceries, dining and entertainment
- ✓Earn 3x Scene+ points on fuel, transit and select streaming services
- ✓Pay no foreign transaction fee on any purchase
- ✓Includes a wide-ranging travel insurance package
👍 Pros
- + Top-tier earn rate on food and entertainment spending
- + Skipping the FX fee is an uncommon perk for travellers
- + Comes with solid insurance coverage
👎 Cons
- – Carries an annual fee
- – Amex is accepted at fewer places than Visa or Mastercard
- – Approval depends on meeting an income threshold
Can you get it?
- ▸Live in Canada and meet your province's age of majority
- ▸Earn at least CAD 12,000 personally
- ▸Hold a good to excellent credit record
- ▸Clear Scotiabank's application review
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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