Scotiabank Gold American Express
Scotiabank
AMEXPOINTSNo FX Fee
Annual fee$120
Auth card fee$29
FX feeNo FX fee
Earn rates
| Rate | Description | Applies to | Scope |
|---|---|---|---|
| 6x | 6x at Scene+ grocery partner stores in Canada | Scene+ grocery partner stores | Canada only |
| 5x | 5x on other groceries, dining, and entertainment in Canada | Other groceries, dining, and entertainment merchants in Canada | Canada only |
| 3x | 3x on gas, daily transit, and select streaming services in Canada | Gas, daily transit and streaming services in Canada | Canada only |
| 1x | 1x base earn worldwide | See issuer terms | Worldwide |
Lounge access
No lounge access included
Key benefits
- No FX fee
- Comprehensive travel insurance (emergency medical, trip cancellation/interruption, flight delay, baggage)
- Rental car collision/loss damage coverage
- Purchase security and extended warranty on eligible purchases
Caps & limitations
- 6x/5x/3x accelerators on first $50,000 annual accelerated-category spend
Brand-specific boosts
- IGA: 6x6x at IGA stores in Canada
Note: Issuer frames most accelerator categories in Canadian merchant context.
Rates verified against the official issuer page: www.scotiabank.com