I personally just received the Scotiabank Gold AMEX after my application was approved. So far, it seems that the perks are quite solid. The only part I don’t like is registering with Scotiabank Rewards. For some reason, it’s not letting me register online. Frustrating enough, I ended up having to call the call centre to get it fixed.

The Scotiabank Rewards are also not as strong as the AMEX membership rewards or select points. This is because you can’t transfer these points to airline or hotel programs. Regardless, the ease of earning points certainly makes up for that. And, it also gives you some flexibility when redeeming your points.

Disclaimer – Scotiabank credit cards contain my referral link

VIDEO – Scotiabank Gold AMEX Review

Scotiabank American Express Gold

Scotiabank Gold AMEX

The Scotiabank AMEX Gold is a Canadian credit card with no foreign transaction fee. It has an annual fee of $120 per year (which you can offset through GCR). You will earn 30,000 points after spending $1,000 within your first 90 days of card approval. For a limited time, you will earn an additional 10,000 points after spending $7,500 within one year. The points will be credited to your account after 2-3 business days of hitting the minimum spending.

The Scotiabank American Express Gold is separate from American Express. That means, if you are unable to get approved for American Express cards, you can still get approved for the Scotiabank AMEX credit card.


  • Earn 5x Scotia Rewards points for every $1 spent on eligible groceries, restaurants, fast food, and popular food delivery service
  • Earn 5x Scotia Rewards points for every $1 spent on eligible entertainment purchases such as movies, theatre, and ticket agencies
  • 3x Scotia Rewards points for every $1 spent on gas, transit, and rideshare
  • 3x Scotia Rewards points for every $1 spent on eligible streaming services
  • 1x Scotia Rewards points on everything else

It also comes with the following comprehensive insurance benefits:

Scotiabank Gold AMEX

In my opinion, the biggest perk of this credit card is the 5x the points you earn from groceries, restaurants, and food deliveries. Typically, the AMEX Cobalt card is superior to this card. However, with many people that were shut down by AMEX Canada, this has become the second-best card for the groceries, restaurants, and food deliveries category.


To be blunt, getting this card will give you some peace of mind from the recent wave of AMEX shutdowns.

Just be aware that the Scotia Rewards program is not as strong as AMEX membership rewards. Still, it gives you some additional options when redeeming for flights outside of Aeroplan or British Airways Avios.

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