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Scotiabank Gold American Express

Banque Scotia

American ExpressScène+

Accumulation des récompenses

6 points par dollar chez les épiciers participants Scène+

Offre actuelle : Jusqu’à 65 000 points Scène+ Des conditions s’appliquent.

  • Aucuns frais de transaction en devises
  • 11 types d’assurance inclus
Frais annuels
120,00 $
Valeur de la prime la première année
650 $
Récompenses annuelles nettes
361 $
Valeur la première année
1 011 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for Scotiabank Gold American Express (opens new tab)

Détails de la carte

Frais annuels

Carte principale : 120,00 $

Cartes supplémentaires : 29,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Prime de bienvenue

Jusqu’à 65 000 points Scène+

40 000 points après 2 000 $ d’achats au cours des 3 premiers mois; 25 000 points de plus après 7 500 $ au cours des 12 premiers mois. Comptes ouverts du 2 nov. 2026 au 3 janv. 2027. Exclut les titulaires de cartes personnelles Banque Scotia des 2 dernières années.

Offer ends 2027-01-03.

Revenu annuel

Personnel : 12 000 $

Opérations en devises

Frais : Aucuns

Type de carte

American Express · Voyages

Récompenses

Programme : Scène+

Émetteur

Banque Scotia

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • 6 points par dollar chez les épiciers participants Scène+
  • 5 points par dollar sur les autres achats admissibles d’épicerie, de restaurants et de divertissement
  • 3 points par dollar sur l’essence, le transport en commun et la diffusion en continu admissibles
  • 1 point par dollar sur tous les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints Scène+ évalués à 1 ¢ chacun

Valeur estimée la première année

1 011,00 $

net annual rewards + welcome bonus

Récompenses annuelles nettes
361,00 $

Récompenses d’une année typique, après les frais annuels

Prime de bienvenue
650,00 $

Une seule fois, si vous respectez l’exigence de dépenses de l’offre

Détail des récompenses annuelles

Récompenses accumulées en un an481,00 $
Frais annuels− $120.00
Récompenses annuelles nettes361,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

100points per CAD1 eligible travel charged to an eligible Scotia Scene+ card. Request within12months; minimumredemption and eligible merchant travel conditions apply. Statement credit at another conversion excluded.

Illustrative annual rewards
480,60 $
Frais annuels habituels
120,00 $
Illustrative net ongoing value
361,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly participating grocers. This is part of your existing spending.
  • Enter monthly other grocers. This is part of your existing spending.
  • Enter monthly dining. This is part of your existing spending.
  • Enter monthly entertainment. This is part of your existing spending.
  • Enter monthly gas. This is part of your existing spending.
  • Enter monthly transit. This is part of your existing spending.
  • Enter monthly streaming. This is part of your existing spending.
  • Enter monthly Completed Scene+ hotels/car rentals excluding taxes and fees, fully charged to this card. This is part of your existing spending.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
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.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange
Typical spending: $2,000/month · $24,000/year · net of annual fee
First-year bonus
650,00 $
Récompenses annuelles nettes
361,00 $
Valeur la première année
1 011,00 $

Redemption methods

  • Apply Scene+ Points to travel
    1¢ per point
    Fonctionnement

    100points per CAD1 eligible travel charged to an eligible Scotia Scene+ card. Request within12months; minimumredemption and eligible merchant travel conditions apply. Statement credit at another conversion excluded.

    Official methodology (opens new tab)

    Verified 2026-10-10

Bonus rates apply to eligible purchases; everything else earns the base rate.
Points Breakdown — earning schedule
Spending categoryEarning rateRestrictions & Spending capAnnual earning
participating grocers6 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 9,000 pts

Not included in the value
other grocers5 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 7,500 pts

Not included in the value
dining5 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 6,000 pts

Not included in the value
entertainment5 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 3,000 pts

Not included in the value
gas3 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 2,700 pts

Not included in the value
transit3 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 1,440 pts

Not included in the value
streaming3 pts per $1
Up to $50,000 a calendar year (shared)$50,000.00 eligible pool purchases / calendar year

After cap: 1 pt per $1

Annual earned points: 900 pts

Not included in the value
Completed Scene+ hotels/car rentals excluding taxes and fees, fully charged to this card4 pts per $1
See rulesConfirm the earning rules in the full calculation ledger

Annual earned points: 0 pts

Not included in the value
Other & non-bonus-eligible purchases1 pt per $1Base rate on residual purchases; merchant bonus eligibility not assumed

Annual earned points: 17,520 pts

Not included in the value
Full base-rate purchase details (10 categories)
Residual purchasesBase rateAnnual purchasesAnnual earning
groceries1 pts per $13 000,00 $3,000 pts
dining1 pts per $11 200,00 $1,200 pts
gas1 pts per $1900,00 $900 pts
transit1 pts per $1480,00 $480 pts
travel1 pts per $11 200,00 $1,200 pts
recurring bills1 pts per $12 100,00 $2,100 pts
entertainment1 pts per $1600,00 $600 pts
drugstore1 pts per $1480,00 $480 pts
online shopping1 pts per $13 600,00 $3,600 pts
other1 pts per $13 960,00 $3,960 pts
Potential offer — timing or valuation unresolvedJuly2–Nov1,2026:30000at2000/3months+20000at7500firstyear, posted8weeksafterthreshold;regular120fee. Partialcalendarcapreset andwithin365creditqualification foryearthreshold needexactmodel. Year 1: A reviewed proposal awaits approval; eligibility, bonus credit dates and nonbinding caps must be confirmed.
Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

  • 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.

Restrictions, caps & redemption

  • 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.

Regular annual fee: $120.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $480.60.

Year 1 estimate unavailable. Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.

Apply Scene+ Points to eligible travel: 1 cents per points. 100points per CAD1 eligible travel charged to an eligible Scotia Scene+ card. Request within12months; minimumredemption and eligible merchant travel conditions apply. Statement credit at another conversion excluded.

100points per CAD1 eligible travel charged to an eligible Scotia Scene+ card. Request within12months; minimumredemption and eligible merchant travel conditions apply. Statement credit at another conversion excluded.

Issuer category definitions, earning limits and restrictions apply.

Review first-year eligibility — certification pending

This review does not change certified values, saved spending or rankings. No bonus is guaranteed. The ongoing profile is illustrative. Complete your own spending before a personalized review.

Opening, not application, must be July 2–November 1, 2026. Enter an exact opening date to see qualification deadlines.

Offer and redemption confirmations
Eligible net purchases — $2,000 within three months; $7,500 within twelve

Dated purchases or statement totals, net of refunds. The same purchases may qualify both thresholds; ordinary spending is counted once. Totals cannot exceed your annual profile.

Regular fee: $120; no waiver or rebate assumed. Select eligible travel in the existing redemption controls. The same complete spending profile supplies ordinary rewards.

Year 1 review unavailable: This is an unapproved conditional review, separate from certified estimates.

Conditions officielles de l’offre

Verified 2026-10-10; review by 2026-10-17. Owner approval outstanding.

Assurances et avantages

  • Soins médicaux en voyage: included
  • Annulation de voyage: included
  • Interruption de voyage: included
  • Retard de vol: included
  • Bagages: included
  • Location de voiture: included
  • Accident de voyage: included
  • Vol à l’hôtel ou au motel: included
  • Appareils mobiles: included
  • Protection des achats: included
  • Garantie prolongée: included

12 assurances8 avantages

AssuranceCoverage
  • Assurance médicale d’urgence25 jours, jusqu’à 1 000 000 $

    Up to $1,000,000 per person / trip

    25 days under 65; 3 days age 65+

    Canadian resident with provincial health coverage; account in good standing. Pre-existing-condition exclusions and insurer assistance procedures apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance annulation de voyage1 500 $

    Up to $1,500/person; $10,000/trip

    Before scheduled departure; covered events only

    Charge at least 75% of trip costs to card. Eligible spouse/dependants; covered cancellation reasons and exclusions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance interruption de voyage1 500 $

    Up to $1,500/person; $10,000/trip

    During trip; covered events only

    Charge at least 75% of trip costs to card. Eligible spouse/dependants; covered interruption reasons and exclusions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance retard de vol500 $

    Up to $500 per insured person

    Delays of 4 hours or more; expenses within 48 hours of the scheduled departure

    Charge at least 75% of the ticket to the card. Reimburses necessary expenses; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance bagages1 000 $

    Up to $1,000 per trip for all insured persons

    Delayed luggage: not delivered within 4 hours of arrival; essentials bought within 96 hours

    Charge the full cost of the travel ticket to the card; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance accident de voyage en transporteur public500 000 $

    Up to $500,000 per insured person; $1,000,000 per occurrence

    While travelling on a common carrier

    Charge at least 75% of the trip to the card; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance collision et dommages pour véhicules de locationVéhicules jusqu’à 65 000 $

    Damage to or theft of the rental vehicle; vehicles with an MSRP up to $65,000

    Rentals of up to 48 consecutive days

    Charge the full rental to the card, rent in your name and decline the agency's collision or loss damage waiver; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance cambriolage d’hôtel ou de motel1 000 $

    Up to $1,000 per occurrence

    Between check-in and check-out, in Canada and the U.S. only

    Pay for the stay with the card; covers you, your spouse and dependent children; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance appareils mobiles1 000 $

    Up to $1,000 for loss, theft or accidental damage

    Starts the later of 30 days after purchase or the first monthly wireless bill charged to the card; ends 2 years from purchase

    Charge the full price of a new phone or tablet to the card, or all plan payments for it; certificate terms apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Protection des achats60 000 $

    Lesser of repair cost, replacement cost or purchase price; $60,000 lifetime maximum

    90 days from the purchase date

    Most new purchases charged to the card, against theft, loss or damage; in excess of other insurance.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongée60 000 $

    Doubles the manufacturer's warranty, up to one extra year; $60,000 lifetime maximum

    After the manufacturer's warranty ends

    Charge the full cost to the card. Items with a manufacturer's warranty of 5 years or more must be registered within the first year.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • travel insurance subject to certificate termsInclusIssuer terms (opens new tab)

    Not counted in this estimate

AvantagesDétails
  • Expériences Amex : prévente et billets réservés Front Of The LineInclus

    Inclus

    Subject to availability

    Concerts, theatre, restaurants and events; must be charged to the card.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Offres Amex pour le magasinage, les restaurants et les voyagesInclus

    Inclus

    Années suivantes

    Offers must be registered under American Express terms.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Service de conciergerie 24 h sur 24, 7 jours sur 7Inclus

    Inclus

    24 hours a day, 7 days a week

    Provided by a third-party concierge provider under its terms.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Jusqu’à 12 ¢/L en valeur sur l’essence chez ShellUp to 12¢/L

    Up to 12¢/L

    At Shell Canada locations

    Link the card to receive the value at the pump; conditions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Jusqu’à 25 % de rabais sur les tarifs de base aux comptoirs AVIS et Budget participantsUp to 25%

    Up to 25%

    Canada and the U.S.

    Pay with the card and quote the Scotiabank discount number.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Rabais sur l’adhésion aux salons Priority PassRabais sur l’adhésion

    Rabais sur l’adhésion

    Membership term

    A discounted paid membership, not free lounge visits; access to 1,200+ lounges.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Frais annuels annulés avec un forfait bancaire Scotia admissible120 $

    120 $

    Ongoing with an Ultimate Package; first year with a Preferred Package

    Requires the eligible chequing account.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Aucuns frais de conversion de devises de l’émetteurInclus

    See Fees & eligibility

    Fee disclosure

    Issuer surcharge disclosure, not insurance coverage or a monetary reward. Currency exchange rates still apply; confirm current issuer fees.

    Issuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Prime de bienvenue d’une valeur d’environ 650 $
  • 6 points par dollar chez les épiciers participants Scène+
  • Les récompenses typiques couvrent les frais annuels de 120 $
  • Aucuns frais de transaction en devises
  • 12 types d’assurance inclus

Points faibles

  • Frais annuels de 120 $
  • Revenu personnel de 12 000 $ requis
  • Les catégories bonifiées ont des plafonds de dépenses
  • Amex n’est pas acceptée partout

Sources et mentions légales

Points à considérer

  • L’acceptation d’Amex varie selon le commerçant.
  • Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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