Scotiabank®* Gold American Express® Card

Card Features

  • Earn up to 40,000 bonus Scotia Rewards 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
  • Earn 3 Scotia Rewards 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.

1 Offer Description and Conditions: For a limited time, open a new Scotiabank Gold American Express credit card account (“Account”) and earn a 30,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months. Plus, earn a bonus 10,000 Scotia Rewards points when you spend at least $7,500 in everyday eligible purchases on your Account in your first year. Conditions apply - see below for further details. Offers apply to new Accounts only opened by August 31, 2021. Offers may be changed, cancelled or extended and cannot be combined with any other offers.

Offer Description and Conditions: To be eligible for the 30,000 bonus Scotia Rewards points (the “30,000 Point Bonus”), you must open a new Account by August 31, 2021 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months from the Account open date. To be eligible for the 10,000 bonus Scotia Rewards points (the “10,000 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 30,000 Point Bonus will be credited to the primary cardholder’s Scotia Rewards 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 at time of payout. The 10,000 Point Bonus will be credited to the primary cardholder’s Scotia Rewards 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 delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Bonus Offer applies to new Accounts only opened by August 31, 2021.

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.

Interest Rates

Purchase APR: 19.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

$120

Additional Cardholders: $29

Pros

  • Excellent bonus points offer
  • 5x earnings at grocery stores, dining and entertainment
  • 0% Foreign Currency Conversion

Cons

  • Annual fee could be expensive depending on your yearly spend

Bonus Offer

Earn up to 40,000 bonus Scotia Rewards points in your first year (that’s up to $400 towards travel)1

Introductory Rates

None

Reward Earnings Rate

Up to 5 Scotia Rewards points for every $1 spent

Additional Details

Grace Period: See Terms*

Fees

Balance Transfer Fee: See Terms*

Cash Advance Fee: See Terms*

Foreign Transaction Fee: 0%