Scotiabank®* Gold American Express® Card

First year rewards (up to)

Gift card
15,000 Scotia Rewards Points with your first $1,000 in everyday purchases in the first 3 months 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.
Apply now 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
Apply now conditions apply
Rewards
Earn points on each dollar you spend
How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas
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
4  points per dollar
On the first $50,000 in purchases per year at eligible gas stations, grocery stores, dining and entertainment; 1 point per dollar thereafter.
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
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 gift card 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
Trip interruption
Flight delay
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
  • Price protection
  • Extended warranty
  • Purchase assurance
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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: $99
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, QA, SK. 19 yrs all others)

Get more details

  • 15,000 bonus points ($150 value) 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
  • Book and redeem for travel anywhere, anytime, with no travel restrictions.
  • Use your points to purchase travel online or over the phone through our full-service travel agency. Or book your own travel using your card and go online to redeem points for the purchase.
  • Comprehensive Travel Insurance Coverage
  • Complimentary Concierge Services 24/7
  • Access to airport lounges, special offers, merchandise, rewards and more
  • Interest Rate/Purchase Rate 19.99%
  • Interest Rate/Cash Advance 22.99%
  • Estimated first year rewards on credit card account following approval and if all requirements for rewards are met

    • See Issuer’s site for full details.