Scotia Gold American Express Card 2026 Review

Annual fee
CA$120
Rewards rate
6%-1%
Welcome Bonus
45,000 Scene+ points
Apply Now →on Scotiabank's website

  • 6%Points at grocery stores
  • 5%Points on dining and entertainment
  • 3%Points on gas and transit
  • 1%Points on all other purchases

Welcome Bonus:

Earn up to 45,000 Scene+ points (worth about CA$450) by spending CA$2,000 within the first 3 months.

Reward Rate:

Earn 6 Scene+ points on every $1 spent at grocery stores, 5 Scene+ points on dining and entertainment, 3 Scene+ points on gas and transit, and 1 Scene+ point on everything else.

The standout feature here is the exceptional earning potential on grocery purchases, making it an excellent choice for those who frequently shop at supermarkets.

Pros:

  • High rewards on grocery spending
  • No foreign transaction fees

Cons:

  • Annual fee applies
  • Interest rates can be high
Apply now →

The Scotia Gold American Express Card is particularly well-suited for individuals who regularly purchase groceries and seek to maximize their rewards on everyday spending, thanks to its high earning rate in this category. With a moderate annual fee and a substantial welcome bonus, it may also appeal to new cardholders looking to enhance their rewards program.

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