The Scotiabank Business Gold American Express Card is a business credit card from Scotiabank that earns Scene+ points on eligible business expenses. It sits below the premium Business Platinum Amex in Scotiabank’s business card lineup, offering a more accessible option for small and medium-sized businesses.
Quick Verdict
Best for: Canadian business owners who want to earn Scene+ points on business spending with Scotiabank’s Amex network and are looking for a mid-tier option.
Not ideal for: Businesses that need widespread Amex acceptance (some smaller Canadian vendors don’t accept Amex), or those who would prefer the stronger benefits of the Scotiabank Business Platinum Amex.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | Verify at scotiabank.com |
| Network | American Express |
| Rewards Program | Scene+ |
| Income Requirement | None stated |
| Purchase Interest Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Foreign Transaction Fee | 2.5% |
Note: Annual fee, earn rates, and card features should be verified at scotiabank.com before applying.
Welcome Bonus
Scotiabank periodically offers welcome bonuses on their business Amex cards. Visit scotiabank.com for the current sign-up promotion.
Earn Rates
The Scotiabank Business Gold Amex earns Scene+ points on eligible business purchases. Specific earn rates by category are available at scotiabank.com.
Scene+ Points Value
Scene+ points can be redeemed for:
- Movies at Cineplex — free or discounted tickets
- Travel — flights, hotels, and car rentals through Scene+ Travel
- Grocery credit — at Sobeys-affiliated stores (Sobeys, IGA, Safeway, FreshCo)
- Statement credit — on eligible purchases
Scene+ points are generally valued at approximately 1 cent per point, though travel redemptions can yield higher value.
Benefits and Perks
- Scene+ points on business spending
- Employee cards — consolidate business expenses
- Purchase protection — coverage on eligible purchases
- Extended warranty — potential coverage on business equipment
- Online account management — track and categorize expenses
Scotiabank Business Amex Lineup
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| Scotiabank Business Gold Amex | Verify at scotiabank.com | Scene+ | Mid-tier business |
| Scotiabank Business Platinum Amex | $399 | Scene+ | Premium business travel |
Who Is This Card Best For?
- Scotiabank business banking customers who want Scene+ points
- Small business owners who spend on dining, gas, and office supplies
- Scene+/Sobeys spenders who value grocery and entertainment redemptions
Alternatives
| Card | Annual Fee | Network | Best For |
|---|---|---|---|
| Scotiabank Business Platinum Amex | $399 | Amex | Premium travel + Scene+ |
| Amex Business Gold Rewards | $199 | Amex | Membership Rewards earning |
| TD Business Mastercard | $0 | Mastercard | No-fee business with wider acceptance |
Bottom Line
The Scotiabank Business Gold Amex is a reasonable choice for business owners who are already in the Scene+/Scotiabank ecosystem. If you’re a heavy traveller or high spender, the Business Platinum Amex will deliver more value. For businesses needing universal acceptance, a Visa or Mastercard business card may be a better daily driver.
Disclaimer: Card terms, earn rates, and annual fees are subject to change. Verify all current details at scotiabank.com before applying.