Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.


About Scotiabank Gold American Express® Card

With a Scotiabank Gold American Express® Card, you can save on foreign transaction fees when making purchases in foreign currencies and earn up to 5X Scene+™ points for every $1 CAD spent.

Sometimes, there are special offers for new applicants to a Scotiabank Gold American Express® Card in place. With such offers, you can earn greater amounts of Scene+™ reward points if you meet the minimum spending requirements within the given timeframe, or waive the annual monthly fee for the first year.

Scotiabank Gold American Express® Card features

A Scotiabank Gold American Express® Card features an interest rate of 19.99% on purchases and 22.99% — on cash advances, with a minimum credit limit of $5,000. To use the benefits of this card, you will have to pay a $120 annual fee. Special offers for a Scotiabank Gold American Express® Card may provide annual fee waiver options. As for additional cards, each supplementary card will cost you $29 per year.

With a Scotiabank Gold American Express® Card, you won’t have to pay a 2.5% foreign transaction fee for your foreign currency purchases; only the exchange rate applies.

A Scotiabank Gold American Express® Card features accelerated reward earning options for select spending categories. For every dollar spent with your Scotiabank Gold American Express® Card on purchases at merchants classified by Visa as “Groceries”, “Dining” and “Entertainment”, up to the $50,000 maximum threshold, you will earn 5 Scene+™ reward points. For every dollar spent on purchases at merchants classified by Visa as “Gas”, “Daily Transit”, and “Select Streaming Services”, up to the $50,000 maximum threshold, you will earn 3 Scene+™ reward points. Once you’ve reached the $50,000 annual spend maximum, you will earn 1 Scene+™ point for $1 on purchases at the categories of merchants mentioned above. For every dollar spent on other eligible purchases, you will also earn 1 Scene+™ point. With special offers in place, you can accelerate the collection of Scene+™ rewards points if you meet the minimum spending requirements within a certain timeframe.

You can further redeem the Scene+™ reward points you’ve earned in a variety of ways:

  • 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

A Scotiabank Gold American Express® Card also features exclusive benefits from American Express, including:

  • Amex Offers® providing reward-earning opportunities for shopping, dining, travel, and other spending categories

  • Amex Front Of the Line® providing access to presale tickets to some of the most in-demand events 

  • American Express Invites® keeping you informed about events, special offers, and shopping deals

  • Complimentary Concierge services designed to help you plan your trips, buy show tickets, or make restaurants reservations

  • A preferred discount on the Priority Pass™ membership providing access to VIP airport lounges around the world

Scotiabank Gold American Express® Card holders also get the advantage of extensive insurance coverage, including trip cancellation and trip interruption insurance, travel emergency medical insurance, flight delay insurance, delayed and lost baggage insurance, travel accident insurance, rental car collision loss or damage insurance, hotel or motel burglary insurance, purchase security, and extended warranty protection.

Pros and cons

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

  • No foreign transaction fees on foreign currency purchases

  • Scene+™ reward-earning opportunities

  • Interest-free grace period

  • Exclusive benefits from American Express

  • Extensive insurance coverage

The cons are:

  • A $120 annual fee

  • Minimum gross monthly income requirements to apply

How to apply for Scotiabank Gold American Express® Card

You can apply for a Scotiabank Gold American Express® Card online by clicking the “Apply now” button next to the credit card description. 

Once you do, the system will ask if you have any Scotiabank products already. If you do, you can speed up your application process by signing in to your online banking account and filling out a shorter application form. If you don’t, click the “Apply as a new customer” button and fill out the form by providing 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 status

  • Your field of work or industry

  • Your job title

  • Your employer

  • Your employer’s phone number (optional)

  • Your annual employment income

  • Your other annual income

  • Your monthly housing expenses

Once you do, review the provided information, and click the “Continue” button. Next, create a PIN and choose a secret word. Then, specify if you want to make your account paperless, register a supplementary cardholder, or add creditor insurance coverage. After that, agree with the terms and conditions and hit the “Continue” button.

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

How does Scotiabank calculate rewards for purchases made with a Scotiabank Gold American Express® Card in foreign currencies? Accelerated reward-earning opportunities are available for purchases made in Canadian dollars only. On every $1 spent on foreign currency purchases made with your Scotiabank Gold American Express® Card, you will get 1% cash back.
How do I redeem the Scene+™ reward points earned with my Scotiabank Gold American Express® Card for travels?

You can redeem your Scene+™ reward points for travels through the Scene+ Travel website or Scene+ Travel call center. 

You can pay for travel-related expenses with your Scene+™ reward points either in full or in part, provided that you pay the remaining sum with your card.

Are there any additional fees to be aware of? Credit cards from Scotiabank involve a range of additional fees to be aware of, including a dishonored payment fee, non-sufficient funds fee, over-limit fee, and more. Check the Transaction fees page on the Scotiabank website.

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18.11.2022
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Last update 01.12.2022