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Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card

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Network Provider
American Express
Annual fee
Purchase interest rate
Cash advance rate
Balance transfer rate
Credit Needed
Good (650-749)

Card description

  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
  • Earn 5 Scotia Rewards points forevery $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.

About This Card

The Scotiabank®* Gold American Express® Card offers rewards for everyday transactions and provides Cardholders with a multitude of travel benefits. The card is available to those with good credit ratings. The annual fee is $120. Additional cards cost $29. 

Cardholders earn Scotia Rewards points. Here's how the earn rate breaks down:

  • 5 points for every $1 spent at eligible grocery stores, dining, and entertainment.
  • 3 points for every $1 spent on gas, daily transit, and eligible streaming services. 
  • 1 point for every $1 spent on all other purchases.  

If you open an account by Feb. 28, 2021, you'll also earn 25,000 bonus points if you spend $1,000 on the card within the first three months.

The Scotiabank®* Gold American Express® Card offers numerous travel benefits, including discounts and special offers on hotels, flights, car rentals and cruise and vacation packages. Cardholders also receive access to Priority Pass Lounges worldwide and complimentary concierge services. Transactions made in foreign currency are subject to a fee of 2.5%.

With flexible point redemption, Cardholders can redeem their points to purchase travel online or on the phone through Scotiabank’s full-service travel agency. Alternatively, Cardholders can redeem their points to pay for travel they book on their own.

Why get the Scotiabank®* Gold American Express® Card?

Everyday bonus points -  All purchases earn Cardholders Scotia Rewards points, but accumulation is accelerated by earning up to 4x the points on practical, everyday purchases.

Service, whenever you need it  -  All cardholders have access to complimentary concierge services that are available 24/7. 

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† 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 February 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.

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.