- Earn 30,000 Scotia Rewards bonus points, worth $300 in travel, with $750 in everyday purchases within the first three months. Plus, $99 first year annual fee waiver.
- 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.
- Complimentary Concierge Services
- Low price airfare alerts
- Access to Priority Pass Lounges worldwide
- Receive up to 25% off qualifying car rentals
- Travel emergency medical coverage is automatically provided for eligible persons for up to 25 consecutive days
- Redeem points for merchandise and other rewards
4.2 / 5.0 (10 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
19.99%*
APR Type:
variable
Annual Fee:
See terms*
Issuer:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Co-Branded
Instant Decision Card
Reward Card
Credit Needed:
Excellent*
Grace Period:
21 days*
Min Credit Line:
$5,000
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: $29.00
Dishonored payment fee: $42.50

Comments

To apply for the credit card you must:

- Be a Canadian Citizen or Landed Immigrant
- Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others)
- Not have declared bankruptcy in the past seven years
- Have a minimum gross monthly income of $1,000 unless you are applying for a student credit card

Review by

These days, we're thinking more about our finances and buying power. With improving economic conditions, it makes sense that we rethink what we thought we knew - and that includes the credit cards we carry in our wallets. We want more; in fact, we want better: we want better choices, better rewards and better treatment.

That's what the ScotiaBank American Express is such a great choice. With impressive opportunities for rewards points, lower fees, even lower fees on any additional cards you request, not only are cardmembers saving money, but they're using their rewards in ways that were unheard of in recent years. Suddenly, we're feeling empowered. We have choices and we enjoy flexibility with our rewards options.

There are a lot of reasons to choose this credit card offer, especially for those who travel. With great savings on hotels and airlines, the opportunity to cover their vacations with nothing but their rewards points and the opportunity to combine their rewards points with their American Express cards, that cruise is finally within reach. Plus, you'll travel with confidence knowing the many safety features are built into this offer, including travel insurance. Big discounts are yours when you use your card to book your rental car, cruise line and hotels, too. These are just a few of the reasons this credit card offer is rising to the top.

Features

Most attractive:
- Bonus rewards
- Gold card features
- No annual fee for 1 year
Least attractive:
- Annual fee after 1 year
- No intro rates

Rewards & Benefits

Reward Types:
Gas Reward Cards
Merchandise Reward Cards
Other Reward Cards
Travel Reward Cards
Reward Unit:
Point
Rewards:
- 30,000 bonus points - worth $300 in travel
- 4x Scotia Rewards points for every $1 you spend at gas stations, grocery stores, on dining and entertainment
- Earn one 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 Gold Credit Card is believed to be accurate at the time of evaluation (Apr 30, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.