Scotiabank Gold American Express^® Card

Offer structure (2 separate bonuses)

• 25,000 points Bonus after spending $2,000 (in a maximum of 3 months)
• 20,000 points Bonus after spending $7,500 total (in a maximum of 12 months total)

45,000 points Total with the 2 parts of the bonus

‣ Apply for the Scotiabank Gold American Express^® Card

Total rewards by unlocking the welcome bonus

• 45,000 points Welcome bonus (2 parts)
• 10,000 points Estimated earn on the $2,000 minimum spending requirement (at multiplier earn rate of 5 pts/$)
• 27,500 points Estimated earn on the extra $5,500 minimum spending requirement (at multiplier earn rate of 5 pts/$)

82,500 points Welcome bonus  + Earn on the minimum spending requirement to unlock the welcome bonus

‣ Apply for the Scotiabank Gold American Express^® Card

Net value (at our Flytrippers Valuation of 1.¢/pt)

• $250 Bonus after $2000 (25,000 pts)
• $200 Bonus after an extra $5500 (20,000 pts)
• $100 Earn on the min. spending of $2000 (10,000 pts)
• $275 Earn on the min. spending of $5500 more (27,500 pts)
• –$0 Card fee (Waived the 1^st year)

$825 Total net value by unlocking the welcome bonus alone

‣Learn more about our Flytrippers Valuation of welcome bonuses

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Effective return rate

11% Return on the minimum spending requirement ($825 on $7,500 in 12 months)

‣Learn more about effective return rates (coming soon)

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Rewards acquisition summary

$825 Rewards you get for $0

‣ Apply for the Scotiabank Gold American Express^® Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 82,500 Scene+ points you get by unlocking the welcome bonus:

• $825 Travel booked on any website
• $825 Travel booked on the Scene+ website
• $825 Merchandise at participating stores
• ≈$578 to $825 Gift cards
• ≈$578 Merchandise
• $578 Statement credit

‣Learn more about the best redemptions of Scene+ points (coming soon)

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Value of redemption options (per point)

For each available redemption option, here is the value per Scene+ point to help you understand:

• 1¢ Travel booked on any website
• 1¢ Travel booked on the Scene+ website
• 1¢ Merchandise at participating stores
• ≈ 0.7¢ to 1¢ Gift cards
• ≈ 0.7¢ Merchandise
• $0.7¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (any website)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. Scene+ points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 82,500 Scene+ points for:

82,500 pts Discount of $825 on travel booked on any website

‣Learn more about the best redemptions of Scene+ points (coming soon)

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Redemptions for travel (Scene+ website)

Another more simple type of rewards redemption, with a fixed value. There’s really no reason to use them this way though, as you don’t get more value.

Redeem your 82,500 Scene+ points for:

82,500 pts Discount of $825 on travel booked on the Scene+ website

‣Learn more about the best redemptions of Scene+ points (coming soon)

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Redemptions for merchandise (participating Scene+ retailers)

Another more simple type of rewards redemption, with a fixed value. It’s one of the extremely rare instances where you should use points for something other than travel, as you get the same value if you use them for merchandise at Sobeys, Safeway, FreshCo, Foodland, IGA (QC), Home Hardware, Recipe Unlimited’s many restaurant brands, Cineplex, etc.

Redeem your 82,500 Scene+ points for:

82,500 pts Discount of $825 at participating retailers

‣Learn more about the best redemptions of Scene+ points (coming soon)

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Redemptions for anything other than travel (except at participating Scene+ retailers)

Should always be avoided, as with all rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

No foreign transaction fees
One of the few cards in Canada that does not charge a 2.5% fee for all foreign currency transactions. It’s worth mentioning that apart from the U.S., other international destinations don’t have as many merchants who accept Amex cards.

‣ Details about foreign transaction fees

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24/7 concierge service
You have access to a concierge service that can make restaurant reservations, organize deliveries for flowers or other things, and complete various research tasks for you.

‣Learn more about the Scotia Platinum concierge service (coming soon)

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Amex Offers benefit
Access to discounts, credits, and special offers throughout the year.

‣Learn more about the Amex Offers benefit

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American Express Experiences benefit
Access to exclusive virtual and in-person experiences and pre-sale tickets to lots of events.

‣Learn more about the American Express Experiences benefit (coming soon)

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Free membership in the Priority Pass airport lounge network
Warning: Many cards offer free membership AND free passes; this one just gives membership and no free passes.

‣Learn more about the airport lounge access

Insurance included

• Medical travel insurance for 25 days (64 years and under)
• Medical travel insurance for 3 days (65 years and above)
• Trip cancellation insurance
• Trip interruption insurance
• Flight delay insurance ($500, 4hr minimum)
• Car rental insurance
• Baggage & personal effects insurance
• Travel accident insurance
• Hotel burglary insurance
• Mobile device insurance
• Purchase protection
• Extended warranty

‣ Details about the insurance coverage included with the card (coming soon)

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Insurance not included (among the main types)

• None

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

6 points per $ (6%):

• Sobeys, Safeway, FreshCo, Foodland, Co-Ops, IGA, Thrifty Foods, other Empire grocery banners
• Voilà grocery delivery
• Indirectly at all retailers offering gift cards at the grocery store

5 points per $ (5%):

• Other grocery stores (and their gift cards)
• Restaurants and food delivery apps
• Bars
• Entertainment (movies, theaters, ticket agencies)

3 points per $ (3%):

• Gas stations
• Transit (rideshares, taxis, buses, subways, and more)
• Streaming services

1 point per $ (1%):

• Everywhere else

NOTE: Multiplier rates do not apply to foreign currency transactions

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool Scene+ points with additional cards (“joint” cards) added to this account. Optional additional cards have a fee of $29.

‣ Details about pooling rewards with additional cards (coming soon)

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Pooling (with separate cards that earn Scene+ points)
You can pool points across your separate cards that earn Scene+ points.

‣ Details about pooling Scene+ points from separate cards (coming soon)

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Pooling (with travel companions)
You cannot pool Scene+ points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling Scene+ points with travel companions (coming soon)

Expiration (if you have the card)
Scene+ points never expire as long as you have the Scotiabank Gold American Express^® Card!

‣ Details about Scene+ points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 2 options to easily keep your Scene+ points from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Have at least 1 activity in your Scene+ account every 24 months

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the Scotiabank Gold American Express^® Card
• Spend $2,000 (in a maximum of 3 months) to unlock 1^st part of bonus
• Spend $5,500 more (in a maximum of 12 months total) to unlock 2^nd part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to use/manage rewards

• Create a Scotiabank online account in a few clicks
• Use/manage your Scene+ points on the Scotiabank website or Scotiabank app

‣ Details about how to use/manage Scene+ points (coming soon)

Card eligibility

• Minimum income: $12,000 (personal)
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: TransUnion Canada

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have had a Scotia card in the past 2 years (including joint cards)

‣ Details about credit card welcome bonus eligibility rules (coming soon)

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Offer end date
Offer ends July 1^st, 2026

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

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Summary of card details

• Issuer: Scotiabank
• Network: American Express
• Card type: Credit card
• Product type: Personal card
• Rewards: Scene+ points
• Rewards class: Bank/retailer rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $120/year (waived the 1^st year)
• Fee for optional additional card: $29
• Foreign transaction fee: 0%

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

• Purchase: 20.99%
• Funds advance: 22.99%
• Balance transfer: 22.99%

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

•Earn up to $850 in welcome offers, first year rewards and savings value, including no annualfee in your first year, and up to 45,000 bonus Scene+ points.¹
• Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
• Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes.Includes movies, theatre and ticket agencies stores.
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options.Includes rideshares, buses, subway, taxis and more
• Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming sevices
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers^®
• AMEX Front of the Line^®
• American Express Invites^®
•Complimentary Concierge Services

• Rates, fees and other information are effective as of October 31, 2025. Subject to change.

• Earn up to 45,000 bonus Scene+TM points. ^††With minimum spend in the 1^st year. Conditions apply.

• Earn up to 45,000 bonus Scene+TM points^† and pay no annual fee in your first year. ◊ ^†With minimum spend in the 1^st year. ◊Conditions apply.

• Earn up to $850 in value in the first year.^††Certain assumptions apply. Actual value may vary.

• Save the 2.5% foreign transaction fee.^{† †} Exchange rate still applies. Conditions apply.

• Earn 5X the Scene+TM points on entertainment. ^†On eligible purchases in Canada only. Conditions apply.

• Earn 5X the Scene+TM points on dining. ^††On eligible purchases in Canada only. Conditions apply

• Earn up to 6X the Scene+TM points on grocery purchases.^††On eligible purchases in Canada only. Conditions apply.

*Terms and conditions apply. See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.