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Scotiabank®* Gold American Express® card

Scotiabank®* Gold American Express® card

Earn travel rewards up to 4x faster!

Our Rating:
Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$99.00 19.99% 22.99% 22.99% Good 4.00% *maximum
  • Card Details Details
  • Our Review Review

Card Details

  • Earn 15,000 bonus points with your first $1000 in everyday purchases in the first 3 months*

  • Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment

  • Earn one point on all other eligible everyday purchases

  • Complimentary Concierge Services 24/7

  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.

*To be eligible for the 15,000 bonus points offer (this "Offer"), you must have at least $1000 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 June 30, 2018 (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.

Features and Benefits

  • Purchase protection and extended warranty
  • Baggage insurance
  • Flight delay insurance
  • Rental vehicle insurance
  • Travel medical insurance
  • Trip interruption or cancellation insurance
  • Travel accident insurance

RateSupermarket.ca's Review

The Scotiabank®* Gold American Express® Card is one of the best travel rewards credit cards on the market. It's chock full of benefits, including 30,000 bonus points (worth $300 in travel), comprehensive travel insurance, complimentary concierge service, and a robust rewards program with tiered reward returns for maximum earnings.


Cardholders earn points up to 4x faster than with other cards; you'll get 4 Scotia Rewards points for every $1 spent at eligible gas stations, grocery stores, or on dining and entertainment and 1 point for every $1 spent on everything else. Cardholders can redeem points for complete trips (taxes and surcharges included), or charge a portion of their balance to the card, for which they'll earn points. In fact, using your card to cover the full amount of your travel will earn you reward points for every dollar charged. Exclusive concierge service means someone is available to help 24/7 with travel arrangements - so you don't have to sweat the small stuff.


Plus, the Scotiabank®* Gold American Express® Card gives cardholders access to reduced rates, special amenities, and hotel, car and cruise privileges. Cardholders are also covered by comprehensive travel insurance, including flight delay, delayed and lost baggage, rental car collision/loss, trip interruption/cancellation, and more. There is a $99 annual fee, but the rewards every year far outweigh that cost, as long as you're using the card properly and paying your balance monthly. The average Canadian stands to earn hundreds of dollars in travel rewards each year with the Scotiabank®* Gold American Express® Card. One thing to keep in mind? Not all merchants accept AMEX cards.

How Much Does It Take To Buy?

Tablet Short Haul Flight $100 Gift Card Blender
82,100 30,000 13,500 24,100

Top Features About Scotiabank®* Gold American Express® Card

  • Earn 4 points for every $1 spent at eligible gas stations, grocery stores, or on dining and entertainment (many cards don't offer such a high return on dining and entertainment, so this is an extra bonus!) and 1 point for every $1 spent on everything else
  • Comprehensive travel insurance
  • Access to complimentary concierge service and a myriad of other privileges including hotel and car discounts
  • 30,000 bonus points - worth $300 in travel
  • Redeem points for merchandise and/or travel


  • 30,000 bonus points - worth $300 in travel
  • Excellent reward return on purchases including dining and entertainment
  • Complimentary concierge service
  • Comprehensive travel insurance
  • Purchase security, extended warranty and price protection services


  • $99 annual fee
  • Not all merchants accept AMEX card


How We Did It: Travel Rewards Earnings

Income Food Gas Travel Other Total
$72,240 $649.58* $197.42* $84.07*** $100**** $1,031.07


* http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil108a-eng.htm
** http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil131a-eng.htm
*** http://www.statcan.gc.ca/tables-tableaux/sum-som/l01/cst01/famil131a-eng.htm
**** http://business.financialpost.com/2012/03/15/canadian-household-debt-declines-as-disposable-income-increases/

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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