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Credit CardAmex
Scotiabank Gold American Express
Scotiabank · Canada
4.4
RatingKey Information
Annual FeeC$120
CurrencyCAD
DifficultyMedium
Local ID RequiredYes
Credit HistoryRequired
NetworkAmex
Benefits & Rewards
- 5X Scene+ points on groceries/dining
- 3X on gas/streaming/transit
- 1X on everything else
- No foreign transaction fees
- Emergency travel insurance
- Lounge access via passes
Pros
- + 5X on groceries and dining is market-leading
- + No foreign exchange fee
- + Strong Scene+ ecosystem
- + Good travel insurance
Cons
- - C$120 annual fee
- - Amex acceptance limited in Canada
- - Scene+ value can be debated
- - Not the best for non-grocery/dining spend
Application Requirements
- Canadian resident
- Good credit score
- Minimum income C$12,000
Required Documents
Canadian IDProof of incomeSIN
Fees
Annual FeeC$120
Foreign Transaction Fee0%
Cash Advance22.99% APR
Frequently Asked Questions
Is this card accepted everywhere in Canada?
Amex acceptance is ~85% in Canada. Many cardholders pair it with a Visa/MC for backup.
C$120
Annual Fee
Recommended for
Canadian travelersGrocery shoppersScene+ collectors
Tags
#canada#amex#groceries#travel#scene-plus
Last verified2026-05-11
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
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