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The Scotiabank American Express Credit Card issued by Scotiabank Canada is designed for those who are looking for a credit card with gas, grocery and entertainment rewards, bonus points and travel insurance.

Scotiabank American Express Card
Intro APR  APR Annual Fee 
N/A* 19.99% (V)* $0*
Apply For Scotiabank American Express Card

Basic Information

Issuer: Scotiabank
Card Network: American Express
Card Category: Consumer (Regular)
Card Type: - Co-Branded
- Instant Decision Card
- Reward Card
Credit Needed: Good*

Card Review

Card rating:
(4.0 out of 5) total 11 votes
Most attractive features: - Bonus points
- Rewards program
Least attractive features: - No intro rates

Rewards & Benefits

Reward Types: - Gas Reward Cards
- Merchandise Reward Cards
- Travel Reward Cards
- Universal Reward Cards
Reward Unit: Point
Rewards: - 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
- 1 Scotia Rewards point on all eligible everyday purchases
Expiration: None*
Yearly Limit: None*
Other Benefits: *See terms and conditions of the card for other benefits
Online Card Account Access:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 19.99%*
APR Type: variable
Annual Fee: $0*
Grace Period: See Terms*
Minimum Credit Line: $1,000*
Over Limit Fee: $29.00*

Balance Transfers

Balance Transfer:
APR on Balance Transfer (%): 22.99%

Cash Advances

APR on Cash Advances (%): 22.99%
Cash Advance Fee (%): 5.00%

Other Fees

Additional Fees Foreign Currency Conversion: 2.5%
Each additional card: $15.00
Dishonoured payment fee: $48


To be eligible for the 5,000 bonus points offer (this "Offer"), you must have at least $500 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account ("Account") in the first 3 months from the Account open date. 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. Offer applies to a new Account only opened by the defined dates (the "Offer End Date"). Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer. See Terms & Conditions of the card for more details.


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* The information provided for Scotiabank American Express Card is believed to be accurate at the time of evaluation (Apr 27, 2019). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

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