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Scotiabank Gold American Express vs. Scotiabank Scene+ Visa

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

Edit spending

Two-card comparison
Annual Fee
$120.00
First Year Bonus Value
$650.00
Up to 65,000 Scene+ points
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.

View card: Scotiabank Gold American Express
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for Scotiabank Gold American Express (opens new tab)
Annual Fee
$0.00
First Year Bonus Value
Confirming current offer. The welcome offer is being confirmed against the issuer page.
Net Annual Rewards
$240.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$240.00Before welcome offer

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

View card: Scotiabank Scene+ Visa
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for Scotiabank Scene+ Visa (opens new tab)
Scotiabank Scene+ Visa$0.00 annual fee
On this comparison

At a glance

At a glance for the selected cards, in selected order.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
Regular annual feeValues differ
$120
$0
Foreign transaction fee
0%
—
Rewards program
Scene+
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.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
First-year valueValues differ
$1,011
$240
Net annual rewardsValues differ
$361
$240
Your input
Needs your input
Needs your input
First-year bonus value
$650
—
Welcome offer
Up to 65,000 Scene+ points
—

Complete estimates

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

Scotiabank Gold American Express — annual assumptions also apply to the other annual estimates
Annual estimate assumptions for Scotiabank Gold American Express

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.

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

Scotiabank Scene+ Visa
Annual estimate assumptions for Scotiabank Scene+ Visa

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.

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

New account opened July2 throughNov1 2026, not merely application date. No primary/secondaryScotiapersonalcardwithinpreceding2years, transfers or employees. Postedeligible netpurchases exclude payments,advances,transfers,cashlike,interest,fees and refundedamounts. Accountopen/goodstanding through8weekaward, notpastdue/overlimit oragreementbreach. Co-borrowerlasttransactionaccountallocation mustbeconfirmed; supplementawardtoPrimary. Month14anniversaryaward excludedfromYear1. Regularprimaryfee retained; optionalbankingrebates andinsuranceexcluded.

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

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

Rewards

Rewards for the selected cards, in selected order.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
How you earnValues differ
  • 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
  • 2 points per $1 at participating Scene+ grocers, Home Hardware and Cineplex
  • 1 point per $1 on other purchases
Base / other eligible purchases
1 points per dollar
1 points per dollar
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

2 points per $1 at participating Scene+ grocers, Home Hardware and Cineplex; 1 point per $1 on other purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Participating merchants and eligible purchase channels are defined by the issuer.
  • Eligible hotel and car rental bookings through Scene+ Travel earn an additional 3 points per $1 CAD.
  • Eligible posted net purchases; exclude advances, transfers, credit cheques, cash-like transactions, fees, interest, returns and refunds. Account open and in good standing. MCC/participating merchant classification controls eligibility. Estimates assume a complete steady annual cycle, disjoint allocations and no transaction-level rounding. Optional Scene+ membership/Expedia/Shell offers, other promotions and insurance are excluded.
Complete card reward details

Fees

Fees for the selected cards, in selected order.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
Regular annual feeValues differ
$120
$0
Supplementary-card fee
$29
—
Foreign transaction fee
0%
—
Purchase APR
21.99%
21.99%
Cash advance APR
22.99%
22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
Personal annual income
$12,000
—

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
Insurance
  • 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
Not listed — check the issuer
Other benefits
  • 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.
FactScotiabank Gold American ExpressScotiabank Scene+ Visa
Last verified
Last verified: October 10, 2026
Last verified: October 10, 2026

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

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Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

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.