- Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months*
- Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
- Earn one point on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Rates, fees and other information are effective as of March 1, 2018. Subject to change.
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:
Good*
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

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

Promo Offers Legal Reference:

To be eligible for the 15,000 bonus points offer (this "Offer"), you must have at least $1000 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 defined date (see terms & conditions for details) (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.

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:
- 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months*
- 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
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 26, 2018). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.