Scotiabank Gold American Express card

Welcome Offer
40 000 Points
Interest Rates
20.99 %Purchase
22.99 %Cash Advance
Special Feature(s)
No conversion fees
Annual Fees
$120Main Cardholer
$29Additional Card

REWARD CALCULATOR

Enter your total monthly expenses or by category

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Groceries

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Restaurants

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Alcohol & Bars

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Entertainment

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Other

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Total

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Net annual rewards the 1st year

$
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Net annual rewards in subsequent years

$
animation get price

Welcome Offer

Get 20,000 Scene+ points

Earn 20,000 Scene+ points (out of 40,000 points) by making at least $1,000 in eligible purchases during the first three months. Offer ends in July 1, 2024. Conditions apply.

Get 20,000 additional Scene+ Points

Make $7,500 in qualifying purchases in the first year to earn them. This will give you a combined total of 40,000 points worth $120 in travel rewards. Offer ends July 1, 2023.

Special Feature(s)

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Newcomers who value rewards and benefits and are looking for a personal credit card to build a credit history will benefit especially well from this card.

For a small fee, this card is perfect for newcomers with little to no credit history. Plus, it comes with valuable travel rewards and benefits.

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No conversion fees

Scotiabank is the only major financial institution in Canada to waive the 2.5% conversion fee on foreign purchases made abroad or online. Regular exchange rates apply.

Requirements

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669
Credit
Score
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Canadian
Residency
$12,000
Required
Income

Insurance

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Medical emergency

Card members and dependents are eligible for up to $1 million in emergency medical coverage.

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Trip cancellation

Card holders and dependents are eligible for up to $1500 in travel expenses for trip cancellation if you charge at least 75% of trip expenses to your card.

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Trip interruption

Card holders and dependents are eligible for up to $1500 in travel expenses for trip interruption if you charge at least 75% of trip expenses to your card.

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Flight delay

You are eligible for reimbursement of expenses related to a delayed flight if you charge at least 75% of your ticket cost to your card.

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Travel accident

Cardholders and dependents have automatic travel accident insurance when at least 75% of the cost of the ticket is charged to your card.

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Auto rental coverage

Cardholders are automatically covered for collision, loss or damage to a rental car when the total cost of the rental is charged to your card.

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Hotel or motel burglary

Personal property is covered against theft from your hotel/motel up to a maximum of $1000 when your card is used to pay for the reservation.

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Mobile device insurance

Use your card to purchase new mobile devices on or after October 1, 2022 to receive coverage against loss, theft, damage or technical failure up to $1000.

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Purchase protection

Purchase protection for items charged to your card extends for the first 90 days from the date of purchase.

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Extended warranty

Finally, items charged to your card are covered under an extended warranty that doubles that of the manufacturer.

Benefits

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VIP Airport lounge pass

Cardholders can take advantage of a discounted membership on Priority Pass, which grants access to over 1200 airport lounges around the world.

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Concierge service

Amex concierge services can help you make your reservations easily and hassle-free.

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More rewards with additional card

Cardholders can add supplementary cards to their account and start earning more Scene+ points which can be redeemed for flights through the Scene+ Travel Portal.

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