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  • $120 Annual fee
  • 25,000 pts Welcome Bonus
  • 5 pts Every $1 Spent

Scotiabank Gold American Express Card Overview

No foreign transaction fees and high rewards on everyday purchases are a few things the Scotiabank Gold Amex card offers. It’s also the best of both worlds. You get the best rewards and benefits from Scotiabank and American Express.

You will earn up to five Scene+ points on categories you probably spend most on, including groceries and gas. As a new cardholder, you can earn up to 45,000 bonus Scene+ points in your first year.

Although the Scotiabank Gold Amex card carries an annual fee of $120, the perks more than make up for it. Besides not paying the standard 2.5% foreign transaction fee for online shopping and travelling abroad, you unlock Amex rewards. This includes advance ticket sales and exclusive experiences.

Essential Information

Network

American Express

Provider

Scotiabank

Card Type

Credit

Rewards

Welcome Bonus

New Scotiabank Gold Amex cardholders will receive:

  • 25,000 Scene+ points for spending at least $1,000 on everyday eligible purchases in the first three months from account opening, and
  • An additional 20,000 Scene+ points for spending at least $7,500 on everyday eligible purchases in the first year.

Points

The Scotiabank Gold American Express card earns the following rewards for every $1 spent.

  • 5x Scene+ points on food and drink
  • 5x Scene+ points on entertainment
  • 3x Scene+ points on gas and transportation
  • 3x Scene+ points on streaming services
  • 1x Scene+ point on everything else

Travel Insurance

Your Scotiabank Gold American Express card will provide the following coverage.

  • Travel emergency medical insurance with coverage for up to 25 consecutive days for eligible persons under age 65
  • Flight delay insurance covers you for hotel accommodation, meals, and other emergency items. You must charge at least 75% of the total ticket cost to your card.
  • Trip cancellation/trip interruption insurance to protect your travel investment. Coverage applies when you charge at least 75% of the total ticket cost to your card.
  • Delayed and lost baggage insurance covers you if your luggage is delayed or lost. To be eligible, you must charge the total cost of your ticket to your card.
  • Hotel/motel burglary insurance protects you if your hotel or motel is burglarized.
  • Rental car collision loss/damage insurance covers you for theft, loss, or damage to your rental car.
  • Travel accident insurance provides coverage for accidental loss of life and dismemberment. You must charge at least 75% of your ticket cost to your Scotiabank Gold Amex card.

Other Perks

  • Access to American Express Invites for special offers and events, such as advance blockbuster movie screenings and weekend gateway packages.
  • Front Of The Line pre-sales, reserved tickets, and E-Updates from American Express.
  • Complimentary concierge services for making restaurant reservations and buying event tickets.
  • Access to over 1200 VIP airport lounges around the world.
  • Preferred discount on the Priority Pass™ membership.
  • Purchase protection for 90 days.
  • Extended warranty for up to one additional year on a manufacturer’s standard warranty.

Costs and Fees

  • Annual fee: $120
  • Additional card fee: $29
  • The interest rate on purchases: 19.99%
  • Cash advance interest rate: 22.99%
  • Minimum credit limit: $5,000
  • Non-sufficient funds fee: $48
  • Overlimit fee: $29

FAQs about the
Scotiabank Gold American Express Card

Should I get the Scotiabank Gold American Express Card?

The Scotiabank Gold Amex card is right for you if:

  • Your major spending categories are groceries, dining, entertainment, and gas
  • You regularly travel to benefit from not paying foreign transaction fees and the comprehensive travel insurance

How do I qualify for the Scotiabank Gold American Express Card?

To be eligible for the Scotiabank Gold Amex card, you must:

  • Have a permanent Canadian residency
  • Be the age of majority in your province or territory of residence
  • Meet the minimum annual income requirement
  • Have a credit score of at least 660

What are the annual fee and income requirements of the Scotiabank Gold American Express?

The standard annual fee is $120, and you must have a personal income of $12,000.

Is the welcome offer for a limited time only?

Yes. The welcome offer expires on July 4, 2022.

What rewards can I earn with the Scotiabank Gold American Express card?

The Scotiabank Gold Amex offers Scene+ points on every purchase:

  • 5 points on groceries, dining, and entertainment,
  • 3 points on gas, select streaming services and transit, and
  • 1 point on all other purchases.

How many points do I need for travel?

You must earn a minimum of 5,000 Scotia Rewards points to redeem them for travel or make a travel-related purchase.

What is the foreign exchange fee for the Scotia Gold Amex card?

The Scotiabank Gold Amex card doesn’t carry foreign exchange fees, which is rare for a credit card. You will save the standard 2.5% charge on purchases not made in Canadian dollars.

Is the Scotiabank Gold American Express card accepted everywhere?

Although American Express cards aren’t as widely accepted as Visa and Mastercard, you can still get much use from your card. The Scotiabank Gold American Express card is accepted everywhere but Loblaws and Costco.

Scotiabank Gold American Express Card Details

Provider
Scotiabank
Network Provider
American Express
Card Type
Rewards
Rewards Type
Points, Travel
Annual Fee
$120
Purchase Interest Rate
19.99%
Cash Advance Rate
22.99%
Credit Needed
Fair (560 - 659)
                                                                                                                    

Scotiabank Gold American Express Card Offices

Phone Number
1 800 472 6842
Email
support@scotiabank.com
Hours
24/7
Website
https://www.scotiabank.com/
Address
44 King Street West Toronto ON M5H 1H1 Canada
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Scotiabank Gold American Express Card Card Details
  • Min. Credit :
    Fair (560 - 659)
                                                                    
  • Card Type : Rewards
  • Reward Type : Points, Travel
  • Providers : Scotiabank
  • Network Provider : American Express
Scotiabank Gold American Express Card Social Media
Scotiabank Gold American Express Card Reviews
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Characteristics
  • Bonuses
  • Rewards
Experience
  • Service
  • Usability

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