Scotiabank Gold American Express
Scene+1.0¢ exact
$120 annual fee
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Strong everyday card with 6x at Empire grocers (5x elsewhere), 5x on dining, 3x on gas, transit, and streaming. No foreign transaction fees is a meaningful feature for travellers. Among the best earn rates in Canada at this fee level.
Earn Rates
🛒 Groceries — Amex accepted5x🍽️ Dining5x⛽ Gas3x🚇 Transit3x📺 Streaming3x·Everything else1x
💡 6x groceries applies at Sobeys, Safeway, FreshCo, Foodland and other Empire stores — 5x at all other grocery stores. 4x travel applies to hotels and car rentals booked through Scene+ Travel (Expedia) — 1x on all other travel purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 27,000 points
See spend breakdown below
Minimum spend bonus
Spend $2,000 in 3 months
optimal stop25,000 pts × 1.0¢+$250Min. spend earnings2,000 pts × 1.0¢+$20
Annual fee-$120
Net first-year value+$150
Not Included in Smart Bonus Strategy
20,000 points after $7,500 in purchases in the first 12 months
Spend $5,500 in 12 months
Only 3.6% return — optimal tier earns 7.5%
20,000 pts × 1.0¢+$200Compare to Similar Cards
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