Scotiabank Gold American Express Credit Card

Consumer (Premium) Card Offer from Scotiabank.

Basic Information

  • Earn up to 30,000 bonus Scotia Rewards points in your first year (that's up to $300 in rewards)
  • Earn 5 Scotia Rewards points for every $1: Grocery, Dining and Entertainment
  • Earn 3 Scotia Rewards points for every $1: Gas, Daily Transit (NEW), Select Streaming Services (NEW)
  • Complimentary Concierge Services 24/7
  • Rates, fees, offers and other information are effective as of August 1, 2019. Subject to change.

N/A* Intro APR

N/A*Intro APR Period

Good*Credit Needed

See Terms*Grace Period

N/A*Late Payment Fee

APR: 19.99%* Variable
Card Network:American Express
Card Type:- Co-Branded
- Instant Decision Card
- Reward Card

Card Review

Product Rating:
Ratings (4.5 out of 5)

Imagine one credit card in your wallet. What would it do to make your life easier? Would it include lower fees? Exceptional travel benefits? Maybe it's the opportunity for travel protections? Whatever it is you see as the ideal credit card offer, odds are, you'll find it in the ScotiaBank American Express Gold Credit Card. With one credit card, you'll discover a team effort that includes exceptional customer service, amazing perks and benefits - including the opportunity to earn up to four times the rewards points for every dollar spent on qualifying purchases and rewards added to your account after your first purchase.

This American Express card is designed to instill confidence and even flexibility that those with stronger credit ratings deserve. It's win-win, especially for travelers, who'll discover countless ways of saving during their vacations or even business travels. Learn more about this remarkable offer today and when you're ready, you can easily and quickly apply online.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Reward Types:- Gas Reward Cards
- Merchandise Reward Cards
- Other Reward Cards
- Travel Reward Cards
Rewards:- Up to $300 in bonus reward points (25k points + 5k*)
- 5 Scotia Rewards points for every $1: Grocery, Dining and Entertainment
- 3 Scotia Rewards points for every $1: Gas, Daily Transit (NEW), Select Streaming Services (NEW)
- 1 point for every $1 you spend on all other eligible everyday purchases
Other Benefits:*See terms and conditions of the card for other benefits
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 19.99%* Variable
Annual Fee:See terms*
Minimum Credit Line:$5,000

Balance Transfers

Balance Transfer:Yes*

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


You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.

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.

* The information provided for the Scotiabank Gold American Express Credit Card is considered to be accurate at the time of posting (Apr 19, 2020). However, we strongly advise site visitors to check the fees, terms and conditions applicable to the product on the card issuer's application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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