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Scotiabank Gold American Express® Card
A high-earning travel and lifestyle card with no foreign transaction fees and extensive insurance coverage.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- 6X Scene+ points on Sobeys/Safeway/FreshCo/IGA
- 5X Scene+ points on Other Grocery/Dining/Entertainment
- 3X Scene+ points on Gas, Transit, Streaming
- No Foreign Transaction Fees (Save 2.5%)
- Discounted Priority Pass Membership
The Bad
- Annual Fee $120
- Lounge visits are not free (discounted membership only)
- High purchase interest rate (20.99%)
Lounge Access
1 lounge network included
Guest Policy
Discounted lounge access membership
Purchase APR
20.99% (Purchases) / 22.99% (Advances)
Credit Score
Good/Excellent (Income $12k+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real CA$120 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- CA$520/yr
- Annual fee
- CA$120/yr
- Net for your usage
- +CA$400
At CA$65 per visit, you cover the fee at about 2 visits per year. This card opens 339 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
Up to 45,000 Bonus Scene+ Points
Offer Terms & Eligibility:
25k pts (Spend $2k in 3 mo) + 20k pts (Spend $7.5k in first year). Offer ends July 1, 2026.Lounge Networks
1 IncludedAdditional Travel Perks
Lounges Scotiabank Gold American Express® Card Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Priority Pass lounges are available at hundreds of airports worldwide