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Scotiabank American Express® Card
Credit cards

Scotiabank American Express® Card

Updated 01.12.2022

About Scotiabank American Express® Card

A Scotiabank American Express® Card is a credit card with regular interest rates and extensive reward-earning opportunities. You can use the benefits and features of this credit card for a zero annual fee.

Scotiabank occasionally announces special offers for a Scotiabank American Express® Card. Such offers may provide accelerated reward-earning opportunities when meeting the minimum spending requirements within the given timeframe.

Scotiabank American Express® Card features

A Scotiabank American Express® Card features an interest rate of 19.99% on purchases and 22.99% — on cash advances, with a minimum credit limit of $1,000. There is no annual fee to use all the benefits this credit card provides. Issuing supplementary cards will cost you $29 per year per card.

When making purchases in select categories, you can earn cash back at an accelerated rate. For every $1 spent with your Scotiabank American Express® Card on grocery, dining, entertainment, gas, daily transit, and select streaming services purchases, up to the $50,000 maximum threshold, you will earn 2 Scene+™ reward points. Once you’ve reached the $50,000 annual spend maximum, you will earn 1 Scene+™ point for $1 on purchases in the categories mentioned above. For every $1 spent on other eligible purchases, you will also earn 1 Scene+™ point. Special offers for new applicants may help you accelerate the collection of Scene+™ rewards points provided that you meet the minimum spending requirements within a certain timeframe.

The reward-earning opportunities don’t stop there. Paying for booking hotels and car rentals through Scene+ Travel with your Scotiabank American Express® Card will bring you 3 Scene+™ reward points on every $1 spent.

There is a number of ways to redeem your Scene+™ reward points:

  • Making purchases at participating grocery stores

  • Buying tickets, food, and drinks at participating movies

  • Booking travels with Scene+ Travels

  • Buying gift cards and merchandise at participating retailers

  • Ordering meals and drinks at participating dining locations

  • Buying games, food, music, and tickets at the Rec Room and Playdium

  • Making an account credit to participating Scotiabank debit and credit cards

  • Making purchases at participating pharmacies

As for the benefits from American Express, a Scotiabank American Express® Card provides cardholders with access to the American Express Invites® program providing updates about events, special offers, and shopping deals.

With Scotiabank’s partner integrations, you can save up to 25% off car rental base rates at participating AVIS and Budget locations in Canada and the U.S. when paying with your Scotiabank American Express® Card.

As for insurance coverage, a Scotiabank American Express® Card has mobile device insurance, purchase security, and extended warranty protection coverages included.

Pros and cons

The pros of a Scotiabank Gold American Express® Card are:

  • A zero annual fee

  • Scene+™* reward-earning opportunities

  • Interest-free grace period

  • Exclusive benefits from American Express

  • Extensive insurance coverage

The cons are:

  • Few insurance coverages included

  • Minimum gross monthly income requirements to apply

How to apply for Scotiabank American Express® Card

According to the Scotiabank website, you can apply for a Scotiabank American Express® Card online, in person at a branch, or by phone.

To proceed with an online application, click the “Apply now” button next to the credit card description. The system will ask if you have any Scotiabank products already. If you do, sign in to your online banking account right during the application process and fill out a shorter form. If you are new to Scotiabank, click the “Apply as a new customer” button and fill out the extended application form. Be ready to provide the following information:

  • Your title

  • Your first name

  • Your last name

  • Your date of birth

  • Your social insurance number (optional)

  • Your email

  • Your phone number

  • Your home address

  • Your employment information (including your employment status, the field of work or industry, job title, employer, and employer’s phone number)

  • Your annual employment income

  • Your other annual income

  • Your monthly housing expenses

Review the provided information and click the “Continue” button if everything is correct. Then, create a PIN and choose a secret word. If you want to make your account paperless, register a supplementary cardholder, or add creditor insurance coverage, specify those details in your application. Once you provide all the details, agree with the terms and conditions and hit the “Continue” button.

To apply for a Scotiabank American Express® Card, you must have a minimum gross monthly income requirement of $1,000.

I’ve booked a hotel through Scene+ Travel. How soon will I get my Scene+™ reward points?Upon the completion of your travel itinerary, expect the Scene+™ reward points to appear in your account within 6 weeks.
How to add a supplementary cardholder to my Scotiabank American Express® Card?
Being the Primary Cardholder or the Co-Borrower Cardholder on a Scotiabank American Express® Card, you can add supplementary cardholders. For this, you will need your Scotiabank American Express® Card account number, the supplementary cardholder's name, address, phone number, and date of birth.
Can I consolidate several Scotiabank credit card accounts?You can consolidate multiple credit card accounts from Scotiabank. Call Scotiabank customer service at 1-866-267-4935 to negotiate the consolidation of your credit accounts.
Rate
i

Effective interest rate on the product

19.99% - 22.99%

Other Credit cards of Scotiabank

Financial product
Amount
Rate
20.99% - 22.99%

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