Scotiabank Gold American Express cashback rate, cap and annual fee
Scotiabank Gold American Express pays 4% at listed grocery stores, and 7 other rates. The card costs CAD 120 a year.
Scotiabank · Canada · catalogue v101
Read from Scotiabank's own published terms on 16 Sep 2026.
CAD 120Annual fee
CAD 50,000Spend at these rates, a year
4%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| listed grocery storesgroceries | 4.00% | —Eligible purchases at listed grocery merchants including Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà, Thrifty Foods, Les Marchés Tradition, Rachell |
| other grocery storesgroceries | 3.33% | —Eligible purchases at other grocery stores in Canada, paid in CAD, that are not on the specified list. The accelerated rates apply to the first CAD 50 |
| dining | 3.33% | —Eligible dining and food delivery purchases in Canada, paid in CAD. The accelerated rates apply to the first CAD 50,000 of purchases a year, counted 1 |
| entertainment | 3.33% | —Eligible entertainment purchases in Canada, paid in CAD. The accelerated rates apply to the first CAD 50,000 of purchases a year, counted 1 January to |
| fuel | 2.00% | —Eligible gas purchases in Canada, paid in CAD. The accelerated rates apply to the first CAD 50,000 of purchases a year, counted 1 January to 31 Decemb |
| public transittravel | 2.00% | —Eligible public transit purchases in Canada, paid in CAD. The accelerated rates apply to the first CAD 50,000 of purchases a year, counted 1 January t |
| select streaming servicesentertainment | 2.00% | —Eligible select streaming services purchases in Canada, paid in CAD. The accelerated rates apply to the first CAD 50,000 of purchases a year, counted |
| everything else | 0.67% | —All other purchases in Canada or abroad, including foreign currency purchases. |
Scotiabank charges no foreign transaction fee on this card — only the exchange rate applies — which is the main reason to carry it abroad. Scene+ points are valued here at the statement-credit rate of 150 points to the dollar, the route that needs no particular purchase; booked through Scene+ Travel they are worth half again as much.
Questions people ask
What cashback does the Scotiabank Gold American Express pay?
4% at listed grocery stores, and 7 other rates.
Is there a cap on the Scotiabank Gold American Express?
No monthly cap is published on the rates shown here.
What is the annual fee on the Scotiabank Gold American Express?
CAD 120 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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