$100
Scotiabank Gold American Express® Card
Points Calculator
$100 Cash Rebate From FinlyWealth
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$1,024.5
$524.5 in years after
Annual Rewards
$644.5
Scene+
First Year Bonus
$400
Scene+
Finly Rebate
Annual Fee
$120
First Year Value
$1,024.5
$524.5 in years after
Card Details
Info
Card Type | Points |
Our Rating | 4.9/5 |
Institution | Scotiabank |
Loyalty Program |
Fees & Rates
Annual Fee | $120 |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $12,000 Household: $12,000 |
Bonuses
Welcome Bonus | Up to 40,000 Scene+ points ($400 value) |
Description | Earn 20,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year. |
Rewards†
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points 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+ points for every $1 CAD you spend in Canada on eligible select streaming services
- 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
Scotiabank Gold American Express® Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Grocery stores participating in Scene+ Reward program
6,192 points
Food and drinks, Groceries and Entertainment
37,695 points
Gas, Rental Car & Taxi, Public Transportation
8,841 points
Amex eligible Streaming Subscriptions
1,440 points
All other purchases
10,281 points
Annual Fee
- $120
Net Annual Rewards
64,449 points
Valued at $524.5 (after fees)
Rewards Summary
Net Annual Rewards
64,449 points
Valued at $524.5 (after fees)
First Year Card Bonus
40,000 points
Valued at $400
First Year Card Value
64,449 points
Valued at $924.5
Finly Rebate
Point Redemptions
Redemptions Chart
Entertainment and Experiences
$924.5
Travel
$924.5
Groceries (At Sobeys)
$924.5
Gift Cards
$652.93
Restaurants
$924.5
Merchandise
$673.82
Statement Credits
$611.15