Overview of the Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card

19 reviews

Earn rewards

5 points/$1

On entertainment, groceries, restaurants (including fast food & drinks)

3 points/$1

On other purchases, travel (including flights, hotels, taxis, public transit)

1 point/$1

On other purchases

Scotiabank®* Gold American Express® Card details

Welcome offer: 20,000 bonus points ($200 value)
Annual fee: $120
Reward: Earn 5x points on entertainment, groceries, restaurants (including fast food & drinks), 3x points on other purchases, travel (including flights, hotels, taxis, public transit), 1x points on other purchases
Average point value: $0.01
Purchase interest rate: 19.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: $12K/yr
Household income: Any amount
Recommended credit score: 660+
Network: American Express
Provider: Scotiabank
Card type: Travel

Detailed card summary

Benefits & features

Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months^†
Earn 5 Scotia Rewards points for every $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 Scotia Rewards point for every $1 you spend on all other eligible everyday purchases in any currency
Complimentary Concierge Services 24/7
Amex exclusive benefits (Front Of The Line^®)
Rates, fees, offers and other information are effective as of Nov 1, 2020. Subject to change.

How to redeem

How to get approved

User reviews

Average user score for Scotiabank®* Gold American Express® Card

4.1 | 19 reviews

Raj Gill August 9, 2017
Applied for the card online and was a breeze to apply. Got a call from the bank to pick up the card and was ready to go. Not accepted at every location, but well worth the reward points.
Aditya Jhamb August 7, 2017
The credit card is a good one. It offers 4% cashback on eligible items and 1% otherwise. The first year annual fee is waived, so getting 30,000 bonus points is great especially since you need to spend $750 in the first 3 months to achieve the bonus points (definitely possible). Overall a great card. Only downside is that it is not accepted everywhere.
Simon August 2, 2017
I love this card, I’ve had very few problems getting this card accepted at merchants. With 4% back on gas, groceries, restaurants and entertainment and 1% back on everything else, I rack up points pretty quick. Combined with a $300 spending bonus, I’m able to get a free trip really quickly. I really love the rewards program in that I can find the cheapest flight or hotel myself and apply (almost) any amount of points towards that purchase. No need to worry about tiers or changing values of points, its super easy. With a great spending bonus, rewards strucutre and redemption process, I’d recommend this card to everyone.
William Lee July 30, 2017
Great card. Easy approval process. Applied and got the card within two weeks. Good rewards, and incentives. Would recommend to others.
Reay-Laidler July 25, 2017
I was immediately approved, it was great. I have had no problems using the card as of yet and I am using online banking through the Scotiabank online app. My only problem is that I have not received my points for signing up yet. It still shows only a few points from the transactions I have made on the card so far.
Jonathan July 22, 2017
Being used to using Visa, lots of vendors don’t accept AMEX. Love the 4x points though for grocery & gas making this my goto card whenever I fill up

Legal

† Offer Description and Conditions: The 25,000 Bonus Scotia Rewards Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Account”) opened by Feb 28, 2021 subject to the conditions below. To be eligible for the Offer, at least $1,000 in eligible purchases must be posted to the Account within 3 months of the 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, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will appear as an adjustment on the Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
Offer may be changed, cancelled or extended and cannot be combined with any other offers.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail 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 eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change.

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