Scotiabank Gold American Express Card

Relevant if: you use the Scene+ program and its documented categories.

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Annual fee: $120
Reward type: Scene+
Welcome offer: Confirmed offer
First-year estimate: $920

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year

$920

Annual fee thereafter: $120
First-year fee: $120 — no fee waiver confirmed for the current offer

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View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $420
Recurring annual fee already deducted: $120
Welcome-offer value earned during the first 12 months: $500
First-year fee: $120 — no fee waiver confirmed for the current offer

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current offer · not enough history to compare
Offer quality: Fair Futello rating grid

Welcome bonus: 50,000 points Scene+
Estimated value: $500 first 12 months, per the valuation published by Futello
Last verified: August 30, 2026 · Verified 22 days ago

First observed by Futello — August 19, 2026

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Email me if this offer changes

Earning

Rewards

Category	Reward	Conditions
Other purchases	3 points per dollar	Cap not documented

Fees and eligibility

Annual fee thereafter: $120
Additional card: $29
Published minimum income: $12,000
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Airport lounge accessConfirmed
No foreign transaction feeConfirmed

Insurance

Extended warranty Confirmed

Conditions

12 Certificate of Insurance Purchase Security and Extended Warranty Protection Most new purchases made with your Scotiabank Gold American Express® Card are protected against theft, loss, or damage for 90 days from the purchase date
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Flight delay insurance Confirmed

Conditions

12 Certificate of Insurance Flight Delay Insurance When you charge at least 75% of your ticket to your card, you’re eligible for reimbursement of necessary expenses if your flight is delayed up to $500 per insured person on the same trip
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Emergency travel medical insurance Confirmed

Conditions

11 Expand all Collapse all Travel Emergency Medical Receive up to $1 million in emergency medical coverage for you, your spouse, and your eligible dependent children
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Mobile device insurance Confirmed

Conditions

12 Certificate of Insurance Mobile Device Insurance If you charge the full purchase price of your new smartphone or tablet to your Scotiabank Gold American Express® Card and activate available cellular technology with a provider or charge all of your wireless bill payments for such device to your car
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View 2 more coverages

Trip cancellation insurance Confirmed

Conditions

12 Certificate of Insurance Trip Cancellation and Trip Interruption Insurance Protect your trip with trip cancellation and interruption insurance when you charge at least 75% of your trip costs to your card
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Trip interruption insurance Confirmed

Conditions

12 Certificate of Insurance Trip Cancellation and Trip Interruption Insurance Protect your trip with trip cancellation and interruption insurance when you charge at least 75% of your trip costs to your card
View source

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source