If dining out and entertainment are regular expenses, the Scotiabank Gold American Express Card shines with its 5x Scene+ points in those categories. This can quickly accumulate rewards, especially for avid foodies or moviegoers. The sign-up bonus of up to 45,000 Scene+ points, valued at around CA$850, can make the first year especially appealing.

However, potential cardholders should keep in mind the annual fee of CA$120 after the first year. This fee, along with a high APR of 21.99% to 22.99%, can make the card costly for those who may not pay off their balances in full each month. The limited rewards on other purchases earning only 1x points may also not satisfy those seeking broader earning potential.

Customer service experiences with Scotiabank are generally positive, but Amex acceptance can vary across Canada, particularly in smaller towns. If you're someone who predominantly uses cash or debit, the value of this card might diminish.

For those who travel often, this card includes travel insurance and benefits, which adds value. However, we would not recommend this card for anyone with a tendency to carry balances due to the potential for high interest accumulation. For those who can manage their spending, this card can be a rewarding tool in their wallet.