Scotiabank Gold American Express Card

Scotiabank®* Gold American Express® Card

Card Features

  • Earn 15,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 months◊
  • Earn 4 Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases • Complimentary Concierge Services 24/7
  • Complimentary Concierge Services 24/7
  • Rates, fees, offers and other information are effective as of March 1, 2018. Subject to change.

◊ To be eligible for the 15,000 bonus Scotia Rewards points offer (this “Offer”), you must have at least $1,000 in eligible purchases posted to your Scotiabank credit 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 a new Account only opened by June 30, 2019.
Former or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are excluded from this Offer.
The current annual fee is $99 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 and cannot be combined with any other offers.

Interest Rates

Purchase APR: 19.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

First year free then $99

Additional Cardholders: $29

Pros

  • Excellent bonus points offer
  • 4x earnings for "everyday" purchases - gas, groceries, dining and entertainment

Cons

  • Annual fee could be expensive depending on your yearly spend

Bonus Offer

Earn 15,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 months◊

Introductory Rates

None

Reward Earnings Rate

Up to 4 Scotia Rewards points for every $1 spent

Additional Details

Grace Period: See Terms*

Fees

Balance Transfer Fee: 1.00%

Cash Advance Fee: $2.50

Foreign Transaction Fee: 2.5%

Over Credit Limit Fee: $29