Scotiabank American Express Card

Consumer (Regular) Card Offer from Scotiabank.

Basic Information

  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months◊
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of the publication date. 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

Rewards & Benefits

Reward Types:- Gas Reward Cards
- Merchandise Reward Cards
- Travel Reward Cards
- Universal Reward Cards
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
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:$0*
Minimum Credit Line:$1,000

Balance Transfers

Balance Transfer:Yes*
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.

The information provided for the Scotiabank American Express Card is considered to be accurate at the time of posting (Apr 27, 2019). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.

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