- Pay no $39 annual fee for the first year
- Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
- Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
- Receive up to 25% off qualifying car rentals
- Travel emergency medical coverage is automatically provided for eligible persons for up to 8 consecutive days
- Redeem points for merchandise and other rewards
4.0 / 5.0 (5 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
19.99%*
APR Type:
variable
Annual Fee:
$39*
Issuer:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Co-Branded
Instant Decision Card
Reward Card
Credit Needed:
Excellent*
Grace Period:
21 days*
Min Credit Line:
$1,000
Late Payment Fee:
N/A*
Over Limit Fee:
$29.00

Balance Transfers

Balance Transfer:
Yes

Cash Advances

APR on Cash Advances (%):
22.99%
Cash Advance Fee (%):
5.00%

Other Fees

Additional Fees
Foreign Currency Conversion: 2.5%
Each additional card: $15.00
Dishonoured payment fee: $42.50

Features

Most attractive:
- Bonus points
- Rewards program
Least attractive:
- No intro rates
- Annual fee

Rewards & Benefits

Reward Types:
Gas Reward Cards
Merchandise Reward Cards
Travel Reward Cards
Universal Reward Cards
Reward Unit:
Point
Rewards:
- 2x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
- 1 point on all other eligible purchases
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
*See terms and conditions of the card for other benefits
Online Access:
Yes!

The information provided for Scotiabank American Express Credit Card is believed to be accurate at the time of evaluation (Oct 28, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.