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CREDIT CARDS

CASH REBATES

Scotiabank Gold American Express® Card Points Calculator

$75 Cash Rebate From FinlyWealth*

Credit Score

Excellent

Welcome Bonus

Up to 40,000 Scene+ points ($400 value)

Annual Income

N/A

Our Rating

9.4/10

Credit Score

Excellent

Welcome Bonus

Up to 40,000 Scene+ points ($400 value)

Annual Income

N/A

Our Rating

9.4/10

Details at a glance

Card Type

Points

Annual Fee

$120

Interest Rates*

Purchase: 20.99%

Cash: 22.99%

Institution

Scotiabank

Card Network

Amex Canada

Benefits & Insurance at a glance

Travel Insurance

No Foreign Transaction Fees

Airport Lounge Access

Concierge Service

Car Rental Insurance

Mobile Insurance

Hotel Burglary Insurance

Purchase Protection

Extended Warranty

25% Referral Cash Bonus

Share your unique referral link to the Scotiabank Gold American Express® Card and earn a 25% rebate bonus. Learn more about the Finly referral program.

Sign in

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 6 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
  • • 5 Points dining and at other eligible grocery stores,entertainment purchases which includes movies, theatre, and ticket agencies
  • • 3 Point on Rides which includes ridshare,buses,taxis, subways and more
  • • 3 Points on eligble streaming services (Netflix, Spotify, Disney+, Crave and more)
  • • 1 Point on everything else

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • No Foreign Transaction fee: No Conversion mark-up both online or outside Canada, Only the exchange rate applies
  • • Out of Province Medical insurance up to $1 million
  • • Trip Cancellation/Interruption Insurance up to $1500
  • • Delayed/Lost/Damaged Baggage Insurance up to $1000
  • • Flight delay insurance up to $500 per person
  • • Common Carrier Travel Accident Insurance up to $500K
  • • Auto Rental Collision/Loss Damage Insurance up to 65K
  • • Hotel Burglary insurance up to $1000
  • • Mobile Device Insurance up to $1000
  • • Purchase Protection Insurance up to 90 days
  • • Extended Warranty Insurance doubled up to a year
  • • Access to American Express Experiences and offers, Front of line and invites
  • • Connect to Concierge Complimentary concierge services to get help booking reservations at restaurants and shows
  • • Enjoy a preferred discount on the Priority Pass™ membership and access over 1200 VIP lounges around the world as a Scotiabank Gold American Express® Cardholder