Building on the popularity of RWRDS Canada's user generated confirmed multiplier lists for several Points Earning Machine credit cards we are pleased to now offer it for the third and final Points Earning Machine, the Scotiabank Gold American Express Card. This list is especially pertinent now as some, but not all, purchases made outside of Canada are now earning the card's accelerated earn rates of 3x and 5x points. This is in addition to not charging any Foreign Transaction fees! So not only can you save 2.5% on average over other cards but you can be earning up to a 5% return in points even though it technically should only be 1% (1 point/$)
Just like the other multiplier lists we have, this one will rely heavily on the RWRDS Canada community contributing the details of the merchants where they have earned 1x, 3x, and 5x points from around the world. (A big thank you to long time RWRDS Canada community member Jim M. for providing the first locations!)
Here are links to the confirmed multiplier lists for the other Canadian Points Earning Machine credit cards:
- American Express Cobalt™ Card Confirmed Multiplier Locations
- MBNA Rewards Confirmed Multiplier Locations
Accelerated earn rates outside of Canada ARE NOT guaranteed
With the above being said it has to be stressed that not all merchants outside of Canada are coding "improperly" as the RWRDS Canada community have already let us know it is hit and miss. Some dining establishments are showing up as 5x points while others are coding properly at 1x points.
At no time should you consider the accelerated earn rates of 3x points and 5x points as guaranteed. Scotiabank and RWRDS Canada do not guarantee them nor will we be held liable if you do not earn the accelerated rates even if they show up in the merchants listed below.
Multiplier submission spreadsheet
We have created a Google Sheets spreadsheet for our community to use to contribute the multipliers. It should make the submission process easier for both you and me! You can find the spreadsheet here. (If you don't want your name tracked in the changes by Google Sheets simply log out of your Google account before submitting, it will just show up as anonymous!)
You can help also contribute by commenting below or contacting us to let us know about new merchants or if a merchant changes.
Please note that merchants may change at any time so while a merchant may be listed in one category when you read this page it is entirely possible that they switch categories before we are able to update it.
Latest additions to the list:
- Pronto - Osaka Japan 5x points
- Al-Baik Jeddah Airport - Jeddah Saudi Arabia 5x points
- Paul's Cafe - Dubai UAE 5x points
- Hurricanes Grill Dubai Mall - Dubai, UAE 5x points
- Nando's - Dubai UAE 5x points
- Tim Hortons Dubai Mall - Dubai UAE 5x points
- HAVAIST - Istanbul Turkey 3x points
- IstanbulKart - Istanbul Turkey 1x points
- Regional JR West Pass (https://www.westjr.co.jp/travel-information/en/tickets-passes/jrwest-rail-pass/) - Japan 1x points
- Nikuichi - Fukuoka Japan 5x points
- Mister Donut - Japan 5x points
- A Happy Pancake - Japan 5x points
- Nishitetsu Bus Company - Fukuoka Japan 3x points
- Go Taxi (local "Uber" in Japan) - Japan 1x points
- Mitsuya Taxi (yellow cab in Japan)- Japan 3x points
- Hoshino Coffee - Japan 5x points
- Life Supermarket - Japan 5x points
- Sukiya - Japan 5x points
- BC Ferries (shows up as BCF - Online Sales & Book) - Vancouver British Columbia 3x points
- Sprouted Oven - Abbotsford British Columbia 5x points
- John3:16 Malaysian Delights - Richmond British Columbia 5x points
- Chatime - Richmond British Columbia 5x points
- Maruhachi Ramen - Richmond British Columbia 5x points
- Joes Pizza Times Square - New York City New York 5 x points
- CVS Pharmacy - New York City New York 1x points
Quick tips for using the tables!
- !! Mobile Users !!: If you are viewing this page on mobile we recommend clicking the toggle icon so that the data is shown in card view
- You can search any data you like, the merchant name (ie East Side Marios), city (ie Vancouver) and so forth!
- If you are searching by city or town name, the larger merchants who are Canada wide or province wide will not show up in the results. For larger merchants it is better to search by their name rather than location
- If your desired result doesn't display, it doesn't necessarily mean the merchant does not accept Amex. It could very well be that no one from the Rewards Canada community has shopped there and/or contributed it for us to add here. That means you can be the first do so!
- Click on the icon if you would like to view it as a full screen chart (a good option to view more rows at once)
- If you have sorted your search data and want to return to the initial results simply click on the refresh icon
- To reset the entire table simply clear the search box of any text
Instructional Video
Visual learner? This video (Created for the American Express Cobalt Card) shows you how to use the charts and search functions:
Scotiabank Gold American Express Card
2025 Top Travel Points Credit Card with an annual fee
Earn up to $1,050 in welcome offers, first year rewards and savings value, including no annual fee in your first year, and up to 50,000 bonus Scene+ points
Offer ends Oct 31, 2025
Annual Fee: $120 | Additional Cards: $29 | Minimum Income $12,000
- Bonus offer broken down as follows:
- Earn 30,000 bonus Scene+ Rewards points by making at least $2,000 in everyday eligible purchases in your first 3 months.
- Earn 20,000 bonus Scene+ Rewards points when you spend $7,500 within your first 12 months
- Ppay no annual fee in your first year. - You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies
- Earn 6x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
- Earn 5x Scene+ points¹ for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 5x Scene+ points¹ for every $1 you spend in Canada eligible entertainment purposes.Includes movies, theatre and ticket agencies stores.
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible gas and daily transit options.Includes rideshares, buses, subway, taxis and more
- Earn 3x Scene+ points¹ for every $1 CAD you spend in Canada on eligible select streaming sevices
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- No Foreign Transaction Fee
- Comprehensive Travel Insurance coverage
- AMEX Offers
- AMEX Front of the Line
- American Express Invites
- Complimentary Concierge Services
- Rates, fees and other information are effective as of July 2, 2025. Subject to change.
- Click here to apply for Scotiabank Gold American Express Card
*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information
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This feature was first posted on February 12, 2025 and is continually updated