The Scotiabank® Gold American Categorical®* Card is among the extra intriguing bank cards within the Canadian market.
As its rewards program, Scene+, continues to emerge as a stronger participant within the loyalty panorama, the worth proposition and the methods to maximise this card are larger than ever earlier than.
With heightened class multipliers, an elevated welcome bonus, and a first-year annual charge rebate, let’s take a look at 9 causes the Scotiabank® Gold American Categorical®* Card needs to be in your pockets.
Scotiabank Gold American Categorical® Card
- Earn 30,000 Scene+ factors upon spending $2,000 within the first three months
- Plus, earn an extra 20,000 Scene+ factors upon spending $7,500 within the first 12 months
- Earn 6x Scene+ factors at Sobeys, IGA, Safeway, FreshCo, and extra
- Plus, earn 5x Scene+ factors on groceries, eating, and leisure
- Additionally, earn 3x Scene+ factors on fuel, transit, and choose streaming providers
- Redeem factors for an announcement credit score for any journey expense
- No overseas transaction charges
- Benefit from the unique advantages of being an American Categorical cardholder
- Annual charge: $120 (waived for the primary 12 months)
1. Welcome Bonus of fifty,000 Scene+ Factors
By making use of previous to January 2, 2026, you’re eligible to obtain a complete welcome bonus of as much as 50,000 Scene+ factors.† The method of incomes the welcome bonus entails two steps:
- Earn 30,000 Scene+ factors upon spending $2,000 (CAD) within the first three months†
- Earn one other 20,000 Scene+ factors upon spending not less than $7,500 (CAD) in your first 12 months†
In different phrases, you’ll solely must spend a mean of $625 (CAD) monthly to obtain the total welcome bonus of 50,000 Scene+ factors.
50,000 Scene+ factors is equal to $500 (CAD) when redeemed towards journey bills charged to the cardboard, and it’s probably the greatest welcome bonuses we’ve seen on the Scotiabank Gold American Categorical® Card.
If you issue within the first-year annual charge rebate, the upfront worth proposition turns into much more compelling for anybody who can comfortably meet the spending necessities.
Although the spending requirement of $7,500 (CAD) within the first 12 months may seem excessive at first look, there are fairly a couple of compelling causes you’ll wish to put numerous spend on this card, as we’ll focus on beneath.
2. 5x Factors on Groceries & Eating + 6x Factors at Sobeys, Safeway, FreshCo, Foodland, and Extra!
The Scotiabank® Gold American Categorical®* Card provides a beneficiant 5 Scene+ factors per greenback spent on all purchases at Canadian grocery shops, in addition to on meals and eating purchases.† Nevertheless, the multiplier additional will increase to 6 factors per greenback spent in any respect Empire-affiliated grocery shops.†
Grocery shops which can be eligible for the 6x incomes charge embrace Sobeys, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Meals, taking part IGAs, Les Marchés Custom, and Rachelle Béry.
Since Scene+ factors can simply be redeemed at 1 cent per level (cpp) towards journey purchases, which means you’ll basically obtain a wonderful 6% again on all purchases at eligible Empire-affiliated areas.
Certainly, a 6x multiplier is unprecedented on the Canadian bank card scene. It even nominally surpasses the laudable American Categorical Cobalt Card, which provides 5x Membership Rewards factors on those self same grocery and eating purchases.
The Amex Cobalt Card remains to be very sturdy, however the Scotiabank® Gold American Categorical®* Card might have a slight benefit for some people with excessive annual spends.
On one hand, the Cobalt Card earns Membership Rewards factors, which may then be transferred to airline and lodge switch companions. Sadly, the Scene+ program doesn’t have this identical possibility at current.
Alternatively, the Cobalt Card caps the 5x bonus at $2,500 (CAD) monthly or $30,000 (CAD) per 12 months, whereas the Scotiabank® Gold American Categorical®* Card has a a lot greater cap of $50,000 (CAD) per 12 months.
If transferring factors to airline companions is your factor, however you’ve maxed out the Cobalt Card’s month-to-month cap, then you definitely’ll wish to additional supercharge your incomes at grocery shops with the SScotiabank® Gold American Categorical®* Card.
3. 5x Factors on Leisure
Along with the elevated class bonuses on groceries, meals, and eating, you’ll additionally earn 5x Scene+ factors on choose leisure bills with the Scotiabank® Gold American Categorical®* Card.†
Eligible leisure bills for 5x Scene+ factors embrace theatres, ticket companies, and, in fact, motion pictures.
That is an industry-leading multiplier amongst Canadian bank cards. Different playing cards that concentrate on millennials, such because the Amex Cobalt Card and the BMO eclipse Visa Infinite* Card, exclude leisure from the 5x multiplier tier.
4. 3x Factors on Gasoline, Transit, and Streaming
Persevering with with the class bonus dominance, the Scotiabank® Gold American Categorical®* Card additional provides 3x Scene+ factors on all fuel, transit, and streaming bills.†
Eligible transportation bills embrace fuel, rideshare providers, buses, taxis, subways, and anything that has a Service provider Class Code of “transit”.
Streaming providers that qualify for the 3x multiplier embrace the same old suspects of Netflix and Spotify, in addition to a variety of different streaming providers.
3x factors represents a powerful 3% return on fuel, transit, and streaming, though it isn’t essentially an industry-leading incomes charge in any of the three classes. Nonetheless, for an all-in-one answer in the direction of lots of life’s frequent bills, the Scotiabank® Gold American Categorical®* Card packs fairly a punch.
5. Double-Dip with Scene+
Along with the aforementioned class multipliers, you’ll wish to current your Scene+ membership card every time potential to additional pad your steadiness. By doing so, you’ll earn Scene+ factors with each your Scotiabank® Gold American Categorical®* Card and together with your Scene+ card.
For instance, you possibly can earn as much as 10 Scene+ factors per greenback spent at Cineplex theatres: 5 Scene+ factors per greenback spent together with your Scotiabank® Gold American Categorical®* Card, and 5 Scene+ factors per greenback spent together with your Scene+ membership card.†
That’s basically a ten% return on spending, since you possibly can redeem Scene+ factors at a charge of 1 cent per level towards journey purchases.
Needless to say Empire-affiliated grocery shops may even provide extra Scene+ factors by way of customized provides and promotions. You could find them on-line in your Scene+ account, in addition to particular provides obtainable in-store.
6. No Overseas Transaction Charges
Nearly all Canadian bank cards impose a hefty 2.5% overseas transaction charge on purchases made in currencies apart from the Canadian greenback. You gained’t encounter this money seize with the Scotiabank® Gold American Categorical®* Card.
The truth is, Scotiabank is the one financial institution out of Canada’s Huge 5 to supply bank cards with no overseas transaction charges. In case you usually journey outdoors Canada, or in case you make many purchases in different currencies, this function can equal enormous financial savings.
Nevertheless, there’s a caveat: overseas transactions on the Scotiabank® Gold American Categorical®* Card will uniformly earn 1x Scene+ factors, fairly than 5x or 3x Scene+ factors based mostly on the spending class.
7. Entry to Amex Gives
Although the Scotiabank® Gold American Categorical®* Card is issued by Scotiabank, it’s nonetheless part of the American Categorical fee community. Fortunately, which means cardholders have entry to the various Amex Gives that usually pop up.
Whereas not all Amex Gives are at all times obtainable, lots of the hottest ones are open for guide registration, together with common promotions with lodge chains equivalent to Marriott and Shangri-La.
To view and register for Amex provides, simply head to the devoted touchdown web page for Scotiabank-issued American Categorical playing cards. These provides are typically fairly juicy, and might actually add up over the course of a 12 months.
Each major and supplementary cardholders can register for Amex Gives, so be sure you take a look at including playing cards for anybody else in your family to stack the Amex Gives.
8. Flexibility of Scene+ Factors
Scene+ factors are a few of the most versatile journey rewards factors when in comparison with different Huge 5 banks’ loyalty packages. You may redeem them at 1 cent per level (cpp) for any journey bills charged to your Scotiabank® Gold American Categorical®* Card.†
Probably the most engaging side of Scene+ factors is the ease of redeeming factors for journey purchases.
After paying together with your Scotiabank® Gold American Categorical®* Card, you merely apply your Scene+ factors at 1cpp towards journey bills as soon as they’ve been posted to your account. Related rewards packages require you to redeem factors by way of devoted portals, which are sometimes clunky and cumbersome.
In case you don’t have sufficient Scene+ factors to cowl the entire journey expense straight away, don’t fret, as you possibly can nonetheless use the factors you earn sooner or later. That’s as a result of you could have as much as one 12 months from the date of buy to redeem factors for an eligible journey expense.
The pliability of Scene+ factors makes this system an excellent possibility for minimizing out-of-pocket bills on cruises, impartial motels, short-term leases, or every other journey purchases that may’t be in any other case booked with factors.
9. Robust Insurance coverage Protection
As you’d anticipate for a journey bank card, Scotiabank® Gold American Categorical®* Card comes with a powerful suite of journey insurance coverage.
By charging bills to your Scotiabank® Gold American Categorical®* Card, you’ll be eligible for the next varieties of insurance coverage protection:†
- Emergency medical insurance coverage (25 days for cardholders aged 64 and below, 3 days for cardholders 65 and older, as much as $1,000,000 per insured per journey)†
- Journey cancellation (As much as $1,500 per insured individual, as much as $10,000 per journey)†
- Journey interruption(As much as $1,500 per insured individual, as much as $10,000 per journey)†
- Flight delays (As much as $500 per insured individual per journey on delays of 4 hours or extra)†
- Delayed and misplaced baggage (As much as $500 per journey on delays of 4 hours or extra)†
- Widespread service journey accident (As much as $500,000 per insured individual, as much as $1,000,000 per incidence)†
- Rental automobile collision/harm (As much as 48 days on autos with an MSRP of as much as $65,000)†
- Lodge/motel housebreaking (As much as $1,000 per housebreaking incidence)†
- Cell machine insurance coverage (As much as $1,000 protection within the occasion of loss, theft, or unintentional harm)†
- Buy safety (As much as 90 days)†
- Prolonged guarantee (Doubles the producer guarantee as much as one extra 12 months)†
Whereas the above inclusions are considerably commonplace nowadays, the Scotiabank® Gold American Categorical®* Card ups the ante by providing a beneficiant 25 days of emergency medical insurance coverage for eligible individuals below the age of 65.†
Most emergency medical insurance coverage supplied on related bank card merchandise is capped at 15 or 21 days. Having an additional interval of protection can come in useful in case you are inclined to journey for greater than two or three weeks at a time.
Journey insurance coverage of as much as $1,000,000 per individual is out there for cardholders, their partner, and dependent youngsters. As with all varieties of emergency medical insurance coverage on journey bank cards, the insurance coverage applies even when the cardboard wasn’t used to guide any portion of the journey.†
Different Scotiabank American Categorical Playing cards
Whereas the cotiabank® Gold American Categorical®* Card is actually the very best pound-for-pound American Categorical product supplied by Scotiabank, some travellers could also be well-suited to different merchandise in the identical household.
Scotiabank® Platinum American Categorical®* Card
With the next annual charge of $399 that isn’t waived for the primary 12 months, the Scotiabank® Platinum American Categorical®* Card comes with some elevated advantages in comparison with what’s supplied on the cotiabank® Gold American Categorical®* Card.
As well as, the Scotiabank® Platinum American Categorical®* Card consists of 10 complimentary lounge visits to Precedence Cross and Plaza Premium lounges per 12 months.†
Relating to the spending class multipliers, the Scotiabank Platinum American Categorical® Card has a 2x bonus for all classes.† It is a greater incomes charge than the Scotiabank Gold American Categorical® Card on non-categorized on a regular basis purchases, however is far weaker in comparison with the Gold model’s 6x, 5x, and 3x multipliers.
Scotiabank Platinum American Categorical® Card
- Earn 60,000 Scene+ factors upon spending $3,000 within the first three months
- Earn an extra 20,000 Scene+ factors upon spending $10,000 within the first 14 months
- Plus, earn 2x Scene+ factors on all purchases
- Precedence Cross membership with 10 complimentary lounge visits per 12 months
- Benefit from the unique advantages of being an American Categorical cardholder, together with Amex Gives
- Annual charge: $399
Scotiabank American Categorical® Card
The Scotiabank® American Categorical®* Card is an effective possibility if in case you have decrease month-to-month bills and are in search of a no-fee card, however nonetheless need entry to Amex Gives.
The present welcome bonus is 5,000 Scene+ factors, structured as 2,500 factors upon spending $250 within the first three months, and one other 2,500 factors upon spending $1,000 within the first 12 months.†
You’ll nonetheless get a slight class spending enhance of 2x Scene+ factors on groceries, eating, leisure, fuel, transit, and choose streaming providers, in addition to 3x Scene+ factors at Sobeys-affiliated grocery shops.†
Moreover, you gained’t have to fret about any annual charges, making it a good starter bank card for constructing credit score historical past whereas loading up on profitable Amex Gives.
Scotiabank American Categorical® Card
- Earn 2,500 Scene+ factors upon spending $250 within the first three months†
- Earn an extra 2,500 Scene+ factors upon spending $1,000 within the first three months†
- Additionally, earn 3x Scene+ factors on Empire grocery shops equivalent to Sobeys, IGA, Safeway, Foodland, and FreshCo
- Plus, earn 2x Scene+ factors on eating, groceries, fuel, transit, and streaming purchases
- Benefit from the unique advantages of being an American Categorical cardholder
- Annual charge: $0
Conclusion
The Scotiabank® Gold American Categorical®* Card is a wonderful bank card with a few of the highest incomes charges obtainable in Canada, that are even stronger at Empire-affiliated grocery shops.
With a powerful welcome bonus, a first-year annual charge rebate, no overseas transaction charges, and aggressive journey insurance coverage, it’s straightforward to see why this card is a must have amongst Canadian factors collectors.
As Scene+ continues to emerge as a contender within the Canadian loyalty panorama, you’ll positively wish to choose up this card and begin incomes versatile Scene+ factors earlier than its present welcome bonus ends on January 2, 2026.
† See Card Supplier’s web site and Card Software for full card particulars, phrases, and present provides. Affordable efforts are made to take care of accuracy of knowledge.
