Scotiabank Gold AMEX Card Calculator

Card Details & Scotia Rewards Point Calculator
5x Grocery
5x Restaurant
5x Entertainment
3x Gas Station
3x Transit
3x Streaming Services
AMEX Benefits
Travel & Purchase Coverage

Calculate total Scotia Points and cash value of the Scotiabank Gold AMEX Card based on spend, benefits, and fees. Review and compare to top cards.

The Scotiabank Gold American Express Card is one of the top rewards credit cards due to it's very generous earning rates across several categories, great travel and purchase coverage, and 0% foreign transaction fee which is a rarity in itself. If you're looking to easily build Scotia Rewards Points towards travel, this is the card you'll want to add to your wallet.

Bonus Categories

The Scotiabank Gold American Express Card features six main categories which are grocery, dining, entertainment, gas, public transit, and streaming services. All of these categories share a combined spend cap of $50,000 per calendar year. After you have hit this cap, you will earn Scotia Rewards Points at the non-category rate for the remainder of the calendar year. There is no limit to the amount of Scotia Rewards Points you can earn with the card overall.

  • 5x Grocery
    • Includes food subscription and delivery services.
  • 5x Restaurant
    • Includes fast food and drinking establishments as well as popular food delivery services.
  • 5x Entertainment
    • Includes movies, theatre, and ticket agencies (such as Ticketmaster).
  • 3x Gas Station
  • 3x Transit
    • Includes rideshare, buses, taxis, and subways.
  • 3x Streaming Services
  • 1x Everything Else

Perks & Benefits

The Scotiabank Gold AMEX Card comes with your usual handful of useful American Express benefits along with some solid travel and purchase coverage.

Sign Up Bonus (SUB)

The standard sign up bonus for the Scotiabank Gold AMEX Card is 20,000 bonus Scotia Rewards Points when you spend $1,000 on the card within the first 3 months of card membership.

Fees & Income Requirements

Annual Fee

The annual fee for the Scotiabank Gold AMEX Card is $120 per year. With the great earning rates that this card provides as well as the nice line-up of travel and purchase coverage, the card can easily be worth the fee.

Authorized User Fee

The cost to add supplementary cards to the Scotiabank Gold AMEX is $29 per card, per year. If you have family or friends that spend across the 5x/3x categories on this card, I highly recommend adding them since it should be easy to make up for the fee and more.

Foreign Transaction Fee

The Scotiabank Gold AMEX Card has a 0% foreign transaction fee which makes this card superb for international travel and spend.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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