Scotiabank
Scotiabank Gold American Express
Scene+ · $120.00 annual fee · requires $12,000 income
Your eligibility
Sign in and build a plan to check this card against your province, income, and card history.
Scotiabank rule: welcome bonus again after 24 months without the card.
Current offer
Up to 50,000 Scene+ points
- • $2,000 in net purchases within 3 calendar months
- • $7,500 in net purchases within 12 calendar months
Qualifying conditions and calculation assumptions
- New personal accounts only; primary or secondary holders of any Scotiabank personal card within the past 2 years are excluded. Account must remain open and in good standing when rewards post.
- 30,000 points for $2,000 in 3 calendar months, another 20,000 for $7,500 in 12 months. Allow approximately 8 weeks after qualifying for posting; annual fee $120 has no public first-year waiver in this offer.
- Minimum personal income $12,000. Accelerated categories share $50,000 per calendar year, then 1 point/$. Generic recurring bills and travel earn 1; streaming-only and selected grocer 6x rates not generalized.
Quebec: Public Canadian offer reviewed; no separate Quebec welcome-bonus exclusion stated. Provincial cardholder agreements and interest/payment rules still apply.
Offer verified Sep 6, 2026 · 24 days old · expires Nov 1, 2026
Earn rates
| Dining | 5 pts/$ |
| Groceries | 5 pts/$ |
| Gas | 3 pts/$ |
| Everything else | 1 pts/$ |
| Travel | 1 pts/$ |
| Recurring bills | 1 pts/$ |
Points (or cents, for cash-back cards) per dollar spent. Verify rates with the issuer — categories and caps change.
- Accelerated rate cap: $50,000 in Groceries, Dining, Gas per calendar year; then 1 points/$.