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The Scotiabank American Express Gold card raises the savings opportunities, increases the rewards points and makes every dollar you spend worth more when it comes to benefits and perks. You don't have to sacrifice quality service and the 'gold standard' treatment for affordable fees and interest rates. Learn more about this credit card offer today.

Scotiabank American Express Gold Card
Intro APR  APR Annual Fee 
N/A* 19.99% (V)* See terms*
Apply For Scotiabank American Express Gold Card

Basic Information

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

Card Review

Prepared by

One of the first things we look for with any credit card offer is first, its affordability. Lower fees, better interest rates and rewards that matter tell us what we need to know about whether it's a strong financial tool. Next, we want to know who's behind the offer. When ScotiaBank and American Express come together, consumers instantly feel at ease knowing they have the backing of two of the biggest financial brands in the world. Finally, we want to know what those rewards mean to us in our everyday life.

If you're a traveler who appreciates big savings, whether you're on a road trip, on a flight to another country or sailing the seas on a luxurious cruise, this card is the one you're looking for. The Scotia Rewards points allow card members to build their rewards points fast so that they can make use of them sooner.

Card members like the idea of having a choice. That's why you can book your travel plans through our customer service team or you can take matters into your own hands and create your own dream itinerary. Either way, you can easily apply your rewards points to maximize the savings. You can even combine your rewards with charges to your gold American Express - the choice is yours.

You'll save 20 percent or more at more than 18,000 hotels around the world; you also get the benefit of complimentary room upgrades, too. If they're available, they're yours for the taking. It's easy to feel like royalty with complimentary breakfast, late checkouts, and concierge service and it's all yours when you use your ScotiaBank American Express Gold credit Card.
Card rating:
(4.4 out of 5) total 24 votes
Most attractive features: - Bonus rewards
- Gold card features
Least attractive features: - No intro rates

Rewards & Benefits

Reward Types: - Gas Reward Cards
- Merchandise Reward Cards
- Other Reward Cards
- Travel Reward Cards
Reward Unit: Point
Rewards: - 15,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 monthsâ—Š
- 4 Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
- 1 point for every $1 you spend on all other 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: See terms*
Grace Period: See Terms*
Minimum Credit Line: $5,000*
Over Limit Fee: $29.00*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%): 22.99%

Other Fees

Additional Fees Foreign Currency Conversion: 2.5%
Each additional card: $29.00
Dishonored payment fee: $48


To apply for the credit card you must:

- Be a Canadian Citizen or Landed Immigrant
- Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others)
- Not have declared bankruptcy in the past seven years
- Have a minimum gross monthly income of $1,000 unless you are applying for a student credit card

*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.


Click Here to Apply
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Apply For Scotiabank American Express Gold Card Secure Online

* The information provided for Scotiabank American Express Gold Card is believed to be accurate at the time of evaluation (Apr 15, 2019). Please verify the terms and conditions for each provider to ensure accuracy of any information posted before applying for any product.

SSL Security Security Note: Online application features Secure SSL Technology.

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