Scotiabank®* Gold American Express® Card

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This card is no longer offered by the provider.
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First year rewards (up to)

Gift card
20,000 Scotia Rewards Points Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Get more details conditions apply
Get more details conditions apply
Cash advance: 22.99%
Balance transfer: 22.99%
%
Purchase interest rate
Cash advance: 22.99%
Balance transfer: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Get more details conditions apply
Get more details conditions apply
Rewards
Earn points on each dollar you spend
How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries
How much do you spend on entertainment each month? Movie tickets, concerts, music, plays, video gamse, etc. are all examples of things that would show up as entertainment costs on your cash back credit card statement. Entertainment
How much do you spend at restaurants each month? Some cash back credit cards give you a percentage of cash back for every dollar spent in a restaurant. Give an estimate, if you're unsure. Restaurants
5  points per dollar
Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment
How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
3  points per dollar
Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Earn 1 point for every $1 you spend on all other eligible everyday purchases
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of a Scotia Reward Point

The average dollar value of an individual Scotia Reward Point is $0.01. To see how we calculated this, click here.

Step by step guide

  • Login to your Scotia Rewards account, using your card number and password.
  • If you DO NOT have an online Scotia Rewards account you can create an account online at https://www.scotiarewards.com or you can redeem points over the phone by speaking to a Scotiabank travel agent at 1-800-665-2582.
  • Points can be redeemed for travel – flights, hotels, and car rentals.
  • The Scotia rewards program allows you to book travel through any provider and then redeem points towards the travel, once the transaction is posted on your account (EXCEPT if you have a Scotiagold passport card).
  • In the rewards centre, you can view your travel purchases and can choose to redeem points towards a purchase.
  • After redeeming points towards a travel purchase, your account will be credited back for the cost of the travel in 7-10 days.
Insurance

Travel Insurance

Click here for more information about this card's travel and purchase insurance.

Benefits
Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel emergency medical
Travel accident insurance
If you book a trip using your credit card, it may come with some amount of trip cancellation, trip interruption and/or emergency medical insurance, all of which can help you if you find yourself in some very tough situations. Here's what your credit card comes with. Travel
Trip cancellation
Flight delay
Trip interruption
While you're travelling, there's always a chance that your bag may be lost or go missing for a period of time. In the event that happens to you, here's what you're covered for. Baggage
Baggage loss
Baggage delay
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car. Rental
Car rental collision / loss damage waiver
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Price protection
  • Purchase assurance
  • No foreign exchange fees
Reviews
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Legal
  • † 20,000 Bonus Point Offer Description: To be eligible for the 20,000 bonus Scotia Rewards points offer (this “Offer”), you must have at least $1,000 in eligible transactions posted to your new Scotiabank Gold American Express Card account (“Account”) in the first 3 months from 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 your 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 applies to new Accounts only opened by March 1, 2020.
  • 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. Offers may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Card details

Network: American Express
Provider: Scotiabank
Card type: Rewards

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $120
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: $12K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.

Welcome Offer: Get up to 5% cash back in your first 3 months. Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.

Get 4 points†† per $1 on eligible gas, groceries and restaurants purchases and up to 10,000 bonus points. Conditions apply

Limited Time Offer: You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪

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Get more details

  • Earn 20,000 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 August 1, 2019. Subject to change.