Scotiabank Gold AMEX Card Value & Points Calculator

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Earn an unlimited 2% Money-Back on two categories of your choice and get your rewards paid out to you monthly—all at no annual fee!

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Rewards Rates

Earn 6 Scene+ points on every $1 spent at participating grocers^*.

Earn 5 Scene+ points^** on every $1 spent in Canada on dining, food delivery, entertainment, and at other eligible grocery stores.

Earn 3 Scene+ points^** on every $1 spent in Canada on gas, daily transit options, and select streaming services.

Earn 1 Scene+ point on every $1 spent on all other eligible purchases.

^*Eligible grocers for the 5X earning rate include: Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op.

^**Earn bonus points on these categories on up to the first $50,000 in annual purchases. Once this cap is hit, you'll earn at the non-bonus rate of 1X points for all categories.

Key Cardholder Benefits

Enjoy a preferred discount on the Priority Pass™ membership and access over 1200 VIP lounges around the world as a Scotiabank Gold American Express® Cardholder.
Pay no foreign transaction fees on international purchases.
Enjoy the perks of having an American Express credit card including Amex Offers, Amex Front of the Line, and American Express Invites.
Be protected with 10 insurance types including travel emergency medical insurance, trip cancellation/interruption insurance, and rental car collision loss/damage insurance.

Rewards Value

Redemption option	Scene+ points value in cents
Travel booked through Scene+ Travel or travel purchases made to a Scotiabank debit or credit card	1
Cineplex food & drinks, and Cineplex store purchases	1
Redemptions at participating grocery, liquor, convenience stores and pharmacies	1
Redemptions made with Scene's dining partners	1
Rec Room and Playdium entertainment redemptions	1
Cineplex movie tickets	0.8 - 1.3
Gift card redemptions	0.74
Statement credits for non-travel purchases	0.66 - 0.8
Merchandise through Apple and Best Buy	0.65 - 0.8

Scene+ points are worth 1 cent each on average when redeemed for travel, Cineplex purchases, grocery, and dining at Recipe Unlimited restaurants. This means that 10,000 points is equal to $100 in cash value.

Annual Fees

The Scotiabank American Express Gold Card has a $120 annual fee. You can add supplementary cards for $29 per year.

Scene+ Points Calculator

Input your monthly and yearly spend amounts to calculate how many Scene+ points you can earn with the Scotiabank Gold AMEX Card. Compare the results side by side up to two credit cards from any issuer and find out which cards earn you the most.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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Credit Cards

Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.

Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.

Clicking on Add Selected Card will add it to the calculator.

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Compare A Card

Add a credit card to compare side by side based on spend, benefits and fees.

Search Cards

Search for a credit card by name, rewards program, or the rewards currency it earns.

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Family Cards

These cards are part of the same family and generally earn the same type of rewards.

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Business Cards

Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

Intro Bonus:

Annual Fee:

Authorized User Fee:

Bonus Categories:

Add Categories - Adds any missing bonus categories from the selected card to the Category Spending section once added. Copy Spend - Copies spend values from the first column to the second/third column on card add.

Category Spending

Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.

You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.

Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.

Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.

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.

Type at least 3 characters.

Currently Selected:

Spend Region:

Category Spending Total

The amount of rewards earned from card spending.

Rewards & Bonuses

If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.

Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.

If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Extra Value

Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.

Rewards & Bonus Total

The amount of rewards earned from card bonuses.

Total Rewards & Cash Value

This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.

You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).

Rewards Average Value By Redemption

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How much is 0 worth?

Average Value

This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.

Transfers To Partners

Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.

Cash Back, Statement Credits

Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.

Travel

Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).

Gift Cards

Redemptions to do with using your rewards towards the purchase of gift cards.

Reward Transfers To Partners

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Currency Worth

Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.

Rewards Cash Value

The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.

Monetary Bonuses

This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.

If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Extra Cash Value

Use this field to add additional cash value to the calculations.

Total Cash Value

The total cash value of all listed benefits plus the cash value of rewards earned.

Fees

With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.

If the card charges a fee for adding authorized users, it will also appear in this section.

Annual Fee

This is the fee you must pay annually to have the card.