Scotiabank Gold American Express Card

Scotiabank®* Gold American Express® Card

Card Features

  • Earn 30,000 Scotia Rewards bonus points, worth $300 in travel, with $750 in everyday purchases within three months*. Plus, first year annual fee waiver. For accounts opened July 31, 2017.
  • 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
  • Extraordinary travel benefits. Flexible Point Redemption. Comprehensive travel insurance
  • 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.
  • Receive discounts and other special offers on hotels, airfare, car rentals, cruises and vacation packages.
  • Complimentary Concierge Services 24/7
  • Access to Priority Pass Lounges worldwide
  • Rates, fees and other information are effective as of May 1, 2017. Subject to change.

Interest Rates

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 (equals twice the annual fee)
  • 4x earnings for "everyday" purchases - gas, groceries, dining and entertainment

Cons

  • Annual fee could be expensive depending on your yearly spend

Bonus Offer

30,000 Scotia Rewards bonus points with $750 spend within 3 months

Introductory Rates

None

Reward Earnings Rate

Up to 4 Scotia Rewards points for every $1 spent

Additional Details

Grace Period: 21 Days

Minimum Credit Limit: $5,000

Fees

Balance Transfer Fee: 1.00%

Cash Advance Fee: $2.50

Foreign Transaction Fee: 2.5%

Over Credit Limit Fee: $29