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Scotiabank®* Gold American Express® Card

Scotiabank®* Gold American Express® Card

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Network Provider
American Express
Provider
Scotiabank
Type
Rewards
Annual fee
$120 $0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Credit Needed
Good (650-749)

Card description

  • Earn up to 40,000 bonus Scotia Scene+ points in your first year (that’s up to $400 towards travel)1
  • Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment - Plus, no annual fee in the first year, including on supplementary cards1 andget a 0.00% introductory interest rate on balance transfers for the first 6 months (22.99% after that; annual fee $120) (1% balance transfer fee)1
  • Earn 3 Scotia Scene+ points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers and other information are effective as of Mar 1, 2021. 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.  

Cardholders earn Scotia Scene+ 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 January 1, 2022, you can earn up to 40,000 bonus Scotia Scene+ points in your first year (that's up to $400 towards travel). The annual fee is $120, but is waived for the first year, including on supplementary cards. You can also get a 0% introductory interest rate on balance transfers for the first six months (22.99% after that).

Here's how you can earn up to 40,000 bonus Scotia Scene+ points: first, you can earn 20,000 bonus Scotia Scene+ points when you make at least $1,000 in everyday eligible purchases made within the first 3 months. Plus, for a limited time, earn another 20,000 bonus Scotia Scene+ points when you spend at least $7,500 on everyday eligible purchases in your first year. 

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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The 40,000 Bonus Scene+ Points First Year Annual Fee Waiver and Introductory 0.00% Balance Transfer Rate Offer (the “Offer”) applies only to  new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by January 1, 2022 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers. 

40,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 20,000 bonus  Scene+ points (the “20,000 Point Bonus”), you must open a new Account by January 1, 2022 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for an additional  20,000 bonus Scene+ points (the “Extra 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 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 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The Extra 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. 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. 

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

Introductory 0.00% Balance Transfer Rate Offer Conditions: The introductory 0.00% interest rate on balance transfers applies only to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below. This introductory rate applies when the new Account is opened by January 1, 2022 and will continue for 6 months from date of Account opening (the “Promotional Period”). This Offer is subject to any available limit for Cash Advances (the “Cash Advance Available Limit”) on your Account. This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account. After the Promotional Period, the 0.00% interest rate on any promotional Cash Advances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  A Balance Transfer fee of 1% of the amount of each Balance Transfer transferred during the Promotional Period applies. If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).

In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account. 

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.  

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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