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Scotiabank Gold American Express Credit Card

Consumer Reviews, Credit Score, Fees, Application & Best Alternatives


Updated: Sep 11, 2020
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The Scotiabank American Express Gold card raises the savings opportunities, increases the rewards points and makes every dollar you spend worth more when it comes to benefits and perks. You don't have to sacrifice quality service and the 'gold standard' treatment for affordable fees and interest rates. Learn more about this credit card offer today.

ANNUAL FEE:

See Terms*

ONGOING APR:

19.99% (Variable)*

INTRO APR:

N/A

40 User Ratings Scotiabank Gold American Express Credit Card

at Scotiabank Secured website

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Introductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Excellent*

Key Features


  • Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months
  • Earn 5 Scotia Rewards points forevery $1 you spend at eligible grocery stores, dining and entertainment
  • Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
  • Earn 1 point for every $1 you spend on all other eligible everyday purchases
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
$ 1 2020-11-29 InStock

Our Take


One of the first things we look for with any credit card offer is first, its affordability. Lower fees, better interest rates and rewards that matter tell us what we need to know about whether it's a strong financial tool. Next, we want to know who's behind the offer. When ScotiaBank and American Express come together, consumers instantly feel at ease knowing they have the backing of two of the biggest financial brands in the ...

One of the first things we look for with any credit card offer is first, its affordability. Lower fees, better interest rates and rewards that matter tell us what we need to know about whether it's a strong financial tool. Next, we want to know who's behind the offer. When ScotiaBank and American Express come together, consumers instantly feel at ease knowing they have the backing of two of the biggest financial brands in the world. Finally, we want to know what those rewards mean to us in our everyday life.

If you're a traveler who appreciates big savings, whether you're on a road trip, on a flight to another country or sailing the seas on a luxurious cruise, this card is the one you're looking for. The Scotia Rewards points allow card members to build their rewards points fast so that they can make use of them sooner.

Card members like the idea of having a choice. That's why you can book your travel plans through our customer service team or you can take matters into your own hands and create your own dream itinerary. Either way, you can easily apply your rewards points to maximize the savings. You can even combine your rewards with charges to your gold American Express - the choice is yours.

You'll save 20 percent or more at more than 18,000 hotels around the world; you also get the benefit of complimentary room upgrades, too. If they're available, they're yours for the taking. It's easy to feel like royalty with complimentary breakfast, late checkouts, and concierge service and it's all yours when you use your ScotiaBank American Express Gold credit Card.


Pros

  • Bonus rewards
  • Gold card features
  • No International Transaction fees

Cons

  • High annual fee

Basic Information

Issuer: Scotiabank
Network: American Express
Category: Consumer (Premium)
Common Uses:
  • Instant Decision
  • No Foreign Transaction Fee
Rewards: Yes
Reward Types:
  • Gas Reward Cards
  • Travel Reward Cards
  • Other Reward Cards
  • Merchandise Reward Cards
Reward Units: Point
 

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: 19.99%
Regular APR Type: Variable*
Annual Fee: See Terms*
Balance Transfer: Yes*
APR on Cash Advances: 22.99%*
Grace Period: See Terms*
Late Payment Fee: N/A
 

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Additional Information & Comments

You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies. To apply for the credit card you must: - Be a Canadian Citizen or Landed Immigrant - Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others) - Not have declared bankruptcy in the past seven years - Have a minimum gross monthly income of $1,000 unless you are applying for a student credit card *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.



IMPORTANT
*The information provided for Scotiabank Gold American Express Credit Card is believed to be accurate at the time of evaluation or recent update on September 11, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Min. Credit Required: Excellent*