American Express Gold Rewards vs. Scotiabank Gold American Express

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

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Selected cards

American Express Gold Rewards

American Express

Membership Rewards

Annual Fee: $250.00
First Year Bonus Value: $600.00
Net Annual Rewards: $31.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $631.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

Scotiabank Gold American Express

Scotiabank

Scene+

Annual Fee: $120.00
First Year Bonus Value: $650.00
Net Annual Rewards: $361.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $1,011.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

American Express Gold Rewards$250.00 annual fee

Scotiabank Gold American Express$120.00 annual fee

Show differences only

On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
Regular annual feeValues differ	$250	$120
Foreign transaction fee	—	0%
Rewards programValues differ	Membership Rewards	Scene+
Purchase APR	21.99%	21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
First-year valueValues differ	$631	$1,011
Net annual rewardsValues differ	$31	$361
Your input	Needs your input	Needs your input
First-year bonus valueValues differ	$600	$650
Welcome offerValues differ	Up to 60,000 Membership Rewards points	Up to 65,000 Scene+ points

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

Edit calculation assumptions

American Express Gold Rewards — annual assumptions also apply to the other annual estimates

Annual estimate assumptions for American Express Gold Rewards

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Confirmed eligible grocery purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $500/month; remaining: $500/month.Confirmed eligible gas purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $150/month; remaining: $150/month.Confirmed eligible drugstore purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $40/month; remaining: $40/month.Confirmed eligible travel purchases · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $100/month; remaining: $100/month.Eligible Amex Travel hotel/car bookings, excluding Hotel Collection · CAD/monthEligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Parent: $100/month; remaining: $100/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Scotiabank Gold American Express

Annual estimate assumptions for Scotiabank Gold American Express

Points redemption method

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

participating grocers · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $500/month; remaining: $500/month.other grocers · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $500/month; remaining: $500/month.dining · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $200/month; remaining: $200/month.entertainment · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $100/month; remaining: $100/month.gas · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $150/month; remaining: $150/month.transit · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $80/month; remaining: $80/month.streaming · CAD/monthOnly posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Parent: $200/month; remaining: $200/month.Completed Scene+ hotels/car rentals excluding taxes and fees, fully charged to this card · CAD/month3SceneTravelprogram points plus1cardpoint on eligible completed hotel/car base price fully paid by this card. Taxes/fees and flights only regular1point. Completion and six-week credit timing apply; points-funded purchases outside this spend model are excluded. Parent: $100/month; remaining: $100/month.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
How you earnValues differ	2 points per $1 on eligible travel and Canadian gas, groceries and drugstores 1 point per $1 on other purchases	6 points per $1 at participating Scene+ grocers 5 points per $1 on other eligible groceries, dining and entertainment 3 points per $1 on eligible gas, transit and streaming 1 point per $1 on all other purchases
Base / other eligible purchases	1 Membership Rewards points per dollar	1 points per dollar
Reward conditions	View reward conditions 2 points per $1 on eligible travel and Canadian gas, groceries and drugstores; 1 on other purchases. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. First additional Gold Rewards card has no annual fee; subsequent additional cards are $50 each. Eligible posted net consumer purchases only; fees, interest, advances, cash equivalents and returned purchases excluded. Merchant primary business and Amex classification control eligibility; wholesale/general-merchandise/alcohol retailers and unidentifiable third-party purchases receive base. Canadian gas/grocery/drugstore/food/transit and listed directly billed streaming require confirmed eligibility. Portal bonus requires Amex Travel itself as merchant for hotel/car booking, excludes The Hotel Collection. Allocate each purchase exactly once; portal scopes include all applicable base travel points. FX fees, travel credits, lounge/insurance payouts and referral bonuses excluded. Transaction rounding and return chronology are not reproduced. Complete card reward details	View reward conditions 6 points per $1 at participating Scene+ grocers; 5 on other eligible groceries, dining and entertainment; 3 on eligible gas, transit and streaming; 1 elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Accelerated earning applies to Canadian-dollar purchases and is subject to annual spending limits. Only posted net purchases in CAD qualify for accelerated points. Six-point participating grocers: Sobeys/IGA/Safeway/Foodland/FreshCo/Voila/ChaloFreshCo/ThriftyFoods/IGAWest/LesMarchesTradition/RachelleBery/CoOp; other grocery excludes those merchants. Amex MCC groceries/dining/entertainment/gas/transit and issuer-confirmed selected streaming only. Foreign currency purchases remain1point per convertedCAD. Shared50000 calendar-year acceleratorcap; fallback1. Exclude advances/transfers/cashlike, fees, interest, charges, refunds and returns; open/goodstanding at purchases and statements. Optional linkedShell,memberpartner/promotionalpoints, travelcredit and insurance excluded. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
Regular annual feeValues differ	$250	$120
Supplementary-card feeValues differ	$50	$29
Foreign transaction fee	—	0%
Purchase APR	21.99%	21.99%
Cash advance APRValues differ	21.99%	22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
Personal annual income	—	$12,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
InsuranceValues differ	Emergency medical insurance15 days, up to $5,000,000 Trip cancellation insurance$1500 Trip interruption / delay insurance$1500 Flight / baggage delay insurance$500 Hotel burglary insurance$500 Lost / stolen baggage insurance$500 Rental car theft / damage insuranceVehicles up to $85,000 Extended warranty$10,000 Purchase protection$1,000	Emergency medical insurance25 days, up to $1,000,000 Trip cancellation insurance$1,500 Trip interruption insurance$1,500 Flight delay insurance$500 Baggage insurance$1,000 Common carrier travel accident insurance$500,000 Car rental collision/loss damage insuranceVehicles up to $65,000 Hotel/motel burglary insurance$1,000 Mobile device insurance$1,000 Purchase security$60,000 Extended warranty$60,000 travel insurance subject to certificate termsIncluded
Other benefitsValues differ	$100 annual travel credit and airport lounge accessIncluded	Amex Experiences: Front Of The Line presale and reserved ticketsIncluded Amex Offers for shopping, dining and travelIncluded 24/7 concierge serviceIncluded Up to 12¢/L in value on fuel at ShellUp to 12¢/L Up to 25% off base rates at participating AVIS and Budget locationsUp to 25% Discount on a Priority Pass lounge membershipMembership discount Annual fee waived with an eligible Scotiabank chequing package$120 No issuer foreign currency conversion surchargeIncluded

Sources

Sources for the selected cards, in selected order.
Fact	American Express Gold Rewards	Scotiabank Gold American Express
Last verified	Last verified: October 10, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.