- No annual fee
- Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in the first 3 months◊
- Earn one Scotia Rewards point on all eligible everyday purchases
- Flexible Point Redemption
- Rates, fees and other information are effective as of publishing date and is subject to change.
3.5 / 5.0 (6 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
19.99%*
APR Type:
variable
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Every Day Purchases
Instant Decision
Reward Card
Credit Needed:
Good*
Grace Period:
See Terms*
Min Credit Line:
$1,000
Late Payment Fee:
N/A*
Over Limit Fee:
$29.00

Balance Transfers

Balance Transfer:
Yes
APR on Balance Transfer (%):
22.99%

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: $0
Dishonored payment fee: $48

Comments

To be eligible for the 5,000 bonus points offer (this "Offer"), you must have at least $500 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account ("Account") in the first 3 months from the Account open date. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing. Offer applies to a new Account only opened by the defined dates (the "Offer End Date"). Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer. See Terms & Conditions of the card for more details.

Features

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

Rewards & Benefits

Reward Types:
Merchandise Reward Cards
Travel Reward Cards
Universal Reward Cards
Reward Unit:
Point
Rewards:
- 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- 1 Scotia Rewards point on all eligible everyday 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 Card is believed to be accurate at the time of evaluation (Sep 15, 2020). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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