Scotiabank Gold American Express Card

Empire-affiliated grocery stores

6 points per $1

Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.

Other groceries, dining, and entertainment

5 points per $1

Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.

Gas stations, transit, and select streaming

3 points per $1

Limit: $50,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1 point per $1.

All other eligible purchases

1 point per $1

Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.

Using your rewards

The calculator’s standard value is 1¢ per point. Your redemption choice can change the value.

Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.

Annual fee

$120

Additional card

$29

Purchase interest rate

20.99%

Cash advance interest rate

22.99%

Foreign transaction fee

0%

Who can apply?

Personal income

$12,000

Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.

Card benefits

• No foreign transaction fees: save the 2.5% foreign transaction fee on all foreign currency purchases

• American Express Front Of The Line advance access to tickets for concerts, theatre, and special events

• Amex Offers: curated dining, shopping, and travel statement credits throughout the year

• Save up to 25% on base car rental rates at participating Avis and Budget locations

Insurance & purchase protection

Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.