Maximize Scene+ Points and Skip Foreign Transaction Fees with Scotiabank Gold American Express Card

Everyday rewards that add up

The Scotiabank Gold American Express Card turns everyday Canadian purchases into meaningful Scene+ points, offering up to 6X Scene+ points on eligible grocery, dining and entertainment spending in Canada. Using the card for groceries, food delivery and streaming can accelerate your Scene+ balance faster than a basic cash back card.

These credit card rewards make routine shopping and dining work harder for you — redeem points for travel, merchandise or entertainment through Scene+. Frequent users who prioritise groceries and dining will see the best return on everyday spending.

Save on foreign purchases and travel perks

One standout benefit is the elimination of foreign transaction fees on purchases made in other currencies, so you avoid the typical 2.5% charge that many cards tack on. If you travel outside Canada or shop from U.S. and international retailers, that fee savings adds up quickly.

Beyond no foreign transaction fees, the card includes travel-friendly perks like American Express Invites, Front Of The Line presales and discounts on lounge access with Priority Pass options. These extras position the card as a solid travel rewards choice for Canadians who want both points and convenience.

Credit health, fees and flexibility

The Scotiabank Gold American Express Card carries a credit card annual fee (check current CAD pricing) but balances that with strong earning rates and perks that can offset the cost for many cardholders. Making on-time minimum payments helps with building credit history while you collect rewards.

Flexible payment methods such as Apple Pay and tap-to-pay make daily use simple, and you can add a supplementary card for family members to pool Scene+ points. Review interest rates and terms to use the card strategically and avoid high credit card interest rates on revolving balances.

Insurance, security and smart redemption

This card also bundles useful insurance and security features — travel insurance, purchase protection and fraud monitoring are standard parts of the package that give peace of mind when you travel or shop online. These protections complement the earning power of Scene+ points.

To maximise value, prioritise spend categories that earn 6X Scene+ points and redeem smartly through Scene+ travel or partner redemptions. Compare the credit card rewards, fees and insurance details to decide if the Scotiabank Gold American Express Card fits your lifestyle — then apply or request a quote to get started.