Scotiabank · Rewards Calculator
Scotiabank Gold American Express CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Sobeys, Safeway, FreshCo, IGA, Foodland, and partner grocery stores | 6 Scene+ points per $1 |
| Other grocery, dining, and entertainment | 5 Scene+ points per $1 |
| Gas, select streaming services, and daily transit | 3 Scene+ points per $1 |
| Foreign currency purchases | 1 Scene+ point per $1 |
| All other purchases | 1 Scene+ point per $1 |
Enter Your Monthly Spending
We'll calculate your Scene+ points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Scene+ points earnings with the Scotiabank Gold American Express Card.
Or try a quick-fill preset to get started
Ready to apply for the Scotiabank Gold American Express Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Scene+ points.
Welcome Bonus
Bonus
up to 45,000 Scene+ points
~$450 estimated value
How to Earn It
25,000 Scene+ points
Spend $2,000 first 3 months
20,000 Scene+ points
Spend $7,500 first year
Offer Expires
2026-07-01
Card Details
- Annual Fee
- $120/yr (1st year waived)
- Additional Card Fee
- $29
- Network
- Amex
- Rewards Program
- Scene+
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- None
- Min. Income Required
- $12,000
- Lounge Access
- Yes
Insurance & Perks
- Travel emergency medical insurance (25 days, $1,000,000)
- Travel accident insurance ($500,000)
- Trip cancellation insurance ($1,500)
- Trip interruption insurance ($1,500)
- Flight delay insurance ($500)
- Baggage delay insurance ($1,000)
- Lost or stolen baggage insurance ($1,000)
- Hotel burglary insurance ($1,000)
- Car rental collision/loss damage waiver
- Mobile device insurance ($1,000)
- Purchase protection (90 days)
- Extended warranty (1 year)
- Discounted Priority Pass membership; lounge visits are paid separately.
How to Use the Scotiabank Gold American Express Card Rewards Calculator
This calculator helps you estimate how many Scene+ points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the Scotiabank Gold American Express Card's earn rates to show you a complete breakdown.
Understanding Scotiabank Gold American Express Card Earn Rates
The Scotiabank Gold American Express Card earns Scene+ points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Sobeys, Safeway, FreshCo, IGA, Foodland, and partner grocery stores: 6 Scene+ points per $1
- Other grocery, dining, and entertainment: 5 Scene+ points per $1
- Gas, select streaming services, and daily transit: 3 Scene+ points per $1
- Foreign currency purchases: 1 Scene+ point per $1
- All other purchases: 1 Scene+ point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the Scotiabank Gold American Express Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Scene+ points
The true value of your Scene+ points depends on how you redeem them. As part of the Scene+ program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $120 Annual Fee Worth It?
The Scotiabank Gold American Express Card carries an annual fee of $120. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.