Best Rewards Credit Cards in Canada
The best rewards credit card in Canada on this site is the Scotiabank Gold American Express Card because it has a $120 annual fee and 6 Scene+ points per $1 on Sobeys, Safeway, FreshCo, Foodland & more.
Rewards credit cards offer points that can be redeemed for a variety of options including travel, merchandise, gift cards, or statement credits. These cards provide flexibility in how you use your rewards, making them a versatile choice for many Canadians.
Last updated October 9, 2026Source: Scotiabank Gold American Express Card issuer page
Key facts
- Annual fee
- $120
- Purchase interest rate
- 21.99%
- Cash advance rate
- 22.99%
- Earn rates
- 6 Scene+ points per $1 on Sobeys, Safeway, FreshCo, Foodland & more; 5 Scene+ points per $1 on Dining, food delivery, food subscriptions, other eligible grocery; 5 Scene+ points per $1 on Entertainment; 3 Scene+ points per $1 on Gas, transit (rideshare, bus, taxi, subway); 3 Scene+ points per $1 on Streaming; Up to 4 Scene+ points per $1 on Travel (1 + up to 3 extra via Scene+ Travel); 1 Scene+ point per $1 on All other purchases
- Welcome offer
- 50,000 Scene+ points
- Foreign transaction fee
- None
- Income requirement
- $12,000
How do we rank rewards cards?
Rewards cards are listed by overall score, highest first. The score is the same formula used on every card page — it is not reweighted for rewards.
Frequently asked questions
How We Rank
Rewards cards are listed by overall score, highest first. The score is the same formula used on every card page — it is not reweighted for rewards.
Read our full methodology →