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Scotiabank Canada American Express Scene+

Scotiabank Gold American Express Card

Published minimum income $12,000

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.

Estimate with my spending

Futello estimate

Net value, first year

$530.00

The bonus in dollars, minus the fees to earn it.

Fee: $120 a year, from year one (no rebate confirmed)

Offer verified on November 5, 2026

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View calculation details

Offer (first 12 months): $650.00
− First-year fees: $120.00
= First-year net value: $530.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $960
+ Offer (first 12 months): $650
= Estimate for this profile, offer included: $1,610

Basket breakdown · Balanced reference scenario

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

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

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: 65,000 points Scene+
Conditions: 65,000 bonus points Earn within 12 months
End date: End date not published
Offer quality: Good Futello rating grid
Last verified: Verified today

First observed by Futello — August 19, 2026

Email me if this offer changes

Offer history: too short to compare

November 3, 2026 65,000 points current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing, Gas, and Streaming subscriptions	3 points per dollar	$50,000 cap / year
Empire grocery stores	6 points per dollar	$50,000 cap / year
Entertainment, Groceries, and Restaurants	5 points per dollar	$50,000 cap / year
Other purchases	1 point per dollar	Cap not documented

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for groceries

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Annual fees: $191.88
Annual net value: $731.53

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Annual fees: $149
Annual net value: $481.54

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Best for restaurants and food delivery

MBNA Rewards World Elite MastercardMBNA · Mastercard

Annual fees: $120
Annual net value: $106.67

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Go further

Sources and uncertainties

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

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