Reward

Scotiabank®* Gold American Express® card

Welcome offer
45 000Points
The 45,000 Bonus Scene+ Points and First Year Annual Fee Waiver Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by April 30, 2023 and is subject to the conditions below. We will waive the annual fee for the primary card issued before April 30, 2023 on the Account for the first year only. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
INTEREST RATES
20.99% Purchase
22.99% Cash advance
special feature(s)
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.
ANNUAL FEES
$120 Main cardholer
$29 Additional 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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Total
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Welcome offer
The calculation result is based on the conversion of the welcome offer points into statement credit
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Estimated annual rewards
The calculation result is based on the conversion of the maximum number of points that can be awarded after the first year

This card is awesome for a personal user because :

Get up to 45,000 Scene+ points

Earn up to $850* in value in the first 12 months, including up to 45,000 bonus Scene+ points and first year annual fee waived.1. Offer ends 30 April 2023.

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.

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

CREDIT
SCORE
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.

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.

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 Security

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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