* Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential and foreign transaction fee savings as of April 29, 2025:
$500 in travel rewards (50,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 30,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$61 in foreign transaction fee savings based on average first year annual foreign spend per account over the last 2 years (save the 2.5% foreign transaction fee markup typically charged by card issuers);
$377 in first year point earn potential (37,700 Scene+ points) on everyday purchases based on average annual first year spend per account over the last 2 years with an average spend of 25% in 5X accelerator, 5% in 3X accelerator categories, and 70% in 1x categories.
$120 in savings with first year free (annual fee waived for the primary card on the account for the first year only)
Potential First Year Value = up to $1,050
Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.
1 Offer Description and Conditions: The 50,000 Bonus Scene+ Points and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between July 2, 2025 and October 31, 2025 (regardless of the date you apply for the Account) and is subject to the conditions below.
50,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 30,000 Point Bonus and Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between July 2, 2025 and October 31, 2025 on the Account for the first year only.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
