Scotiabank Gold American Express Card
Quick answer: The Scotiabank Gold American Express Card carries a CA$120 annual fee and 10 catalogued benefits; its best earning category is Sobeys at 6x. Welcome offer: Earn up to 45,000 bonus Scene+ points. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Sobeys | 6x | 6% |
| Groceries | 5x | 5% |
| Dining | 5x | 5% |
| Entertainment | 5x | 5% |
| Gas | 3x | 3% |
| Streaming | 3x | 3% |
| Transit | 3x | 3% |
| Everything else | 1x | 1% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Protections (9)
Travel Emergency Medical Insurance
CA$100/yrOut-of-province/country emergency medical insurance providing up to $1,000,000 CAD in coverage for the first 25 days of any trip (for cardholders under 65; 3 days for age 65+). Covers cardholder, spouse, and dependent children. Includes emergency medical treatment, hospitalization, prescriptions, and medical transport.
Auto Rental Collision Insurance
CA$75/yrAuto rental collision and loss damage insurance covering damage to or theft of a rental vehicle with MSRP up to $65,000 when the full rental cost is charged to the card and the rental company's collision damage waiver is declined.
Trip Cancellation Insurance
CA$50/yrTrip cancellation and interruption insurance covering up to $1,500 per insured person for trip cancellation and up to $2,000 for trip interruption, to a maximum of $10,000 per trip. At least 75% of the trip cost must be charged to the card. Covers cardholder, spouse, and dependent children.
Flight Delay Insurance
CA$25/yrFlight delay insurance providing up to $500 per insured person for reasonable and necessary expenses (meals, accommodation, transportation) when a flight is delayed by more than 4 hours.
Baggage Insurance
CA$25/yrDelayed and lost baggage insurance providing up to $1,000 per insured person for emergency purchases when baggage is delayed or lost during a covered trip.
Purchase Security
CA$25/yrPurchase security covering eligible new items purchased with the card against theft or accidental damage for up to 90 days from the date of purchase.
Extended Warranty
CA$25/yrExtended warranty coverage that doubles the original manufacturer's warranty for a period equal to the manufacturer's warranty or 1 year, whichever is lesser. Items must be purchased entirely with the card.
Travel Accident Insurance
CA$10/yrCommon carrier travel accident insurance providing up to $500,000 per insured person and up to $1,000,000 per occurrence in accidental death and dismemberment coverage. At least 75% of the trip cost must be charged to the card.
Hotel Burglary Insurance
CA$10/yrHotel/motel burglary insurance covering loss of or damage to personal property resulting from a burglary or attempted burglary of your hotel or motel room while travelling.
Other (1)
Discounted Priority Pass Membership
Discounted annual membership to Priority Pass, providing access to 1,200+ airport lounges worldwide. Cardholders receive a 35% discount on the annual membership fee. Per-visit fees may still apply depending on membership tier selected.
How to track it
Add the Scotiabank Gold American Express Card to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.
Other Scotiabank cards
- Scotiabank Passport Visa Infinite Privilege Card · CA$599 · 18 benefits
- Scotiabank Passport Visa Infinite Card · CA$150 · 12 benefits
- Scotia Momentum Visa Infinite Card · CA$120 · 9 benefits
- Scotia Momentum Visa Card · CA$49 · 2 benefits
- Scotia Momentum Mastercard Credit Card · CA$0 · 0 benefits
- Scotia Momentum No-Fee Visa Card · CA$0 · 0 benefits
- Scotiabank Scene+ Visa Card · CA$0 · 0 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.