- Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
- Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Amex exclusive benefits (Front Of The Line)
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:
Instant Decision
No Foreign Transaction Fee
Reward Card
Credit Needed:
Excellent*
Grace Period:
See Terms*
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%

Other Fees

Additional Fees
Foreign Currency Conversion: 2.5%
Each additional card: $29.00
Dishonored payment fee: $48

Comments

You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.

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

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

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 International Transaction fees
Least attractive:
- High annual fee

Rewards & Benefits

Reward Types:
Gas Reward Cards
Merchandise Reward Cards
Other Reward Cards
Travel Reward Cards
Reward Unit:
Point
Rewards:
- Up to $300 in bonus reward points (25k points + 5k*)
- 5 Scotia Rewards points for every $1: Grocery, Dining and Entertainment
- 3 Scotia Rewards points for every $1: Gas, Daily Transit (NEW), Select Streaming Services (NEW)
- 1 point for every $1 you spend on all other 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 Gold American Express Credit Card is believed to be accurate at the time of evaluation (Sep 11, 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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