Scotiabank Gold American Express® Card

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Earn 4 Scotia Rewards points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.
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Book and redeem for travel anywhere, anytime, with no travel restrictions ,
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Enjoy unique benefits, rewards and so much more.

Great reasons to get this card for your everyday purchases

Reach your goals 4x faster

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

Book travel and redeem easily

  • Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.
  • Redeem for travel anywhere, anytime, with no travel restrictions.

Enjoy valuable benefits

  • Access to concierge services, airport lounges, special offers, merchandise, rewards and more

Peace of mind for every trip

  • Travel with confidence on every trip with our comprehensive travel insurance coverage

Scotiabank Rewards Program Terms and Conditions

Fees, Rates & Other Information

Annual Fee

$99
$29 each Supplementary Card

Interest rates

19.99%/22.99%
19.99% on purchases. 22.99% on cash advances, balance transfers and Scotia Credit Card Cheques

Credit Limit

$5,000
Minimum

Your card comes with benefits

As a Scotiabank Gold American Express Cardholder, you’ll enjoy exclusive advantages.

Book and redeem easily

Book and redeem any flight for any time through Scotia Rewards Travel Service, our full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare.

Enjoy complimentary concierge services

Whether you need help planning your restaurant reservations, or tickets for a show, our concierge service is happy to assist, 24/7.

Ensure your comfort at the airport

Be confident that you’ll have a place to relax or catch up on business. Enjoy VIP lounge access with Priority Pass™ and access to over 600+ VIP lounges around the world.

Enjoy Special Offers, Access and Experiences with American Express Invites®

American Express Invites opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go! Sign up for e-updates.

Special Offers with Scotia Rewards Travel Advantage

Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.

Beyond Travel Rewards

Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards

Travel with 7 types of coverage

Relax…While you’re away you have comprehensive travel protection.

Travel Emergency Medical Insurance

Coverage is provided for eligible persons under age 65 for up to 25 consecutive days and for eligible persons age 65 and older for up to 10 consecutive days.

Trip Cancellation / Trip Interruption Insurance

Protect your travel investment with trip cancellation and trip interruption insurance at no extra cost when you charge at least 75% of your trip costs to your Card.

Flight Delay Insurance

Charge at least 75% of the full ticket cost to your {{ctrl.productData[0].name}} Card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.

Delayed and Lost Baggage Insurance

Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.

Travel Accident Insurance

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

Rental Car Collision Loss/Damage Insurance

Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

Hotel/Motel Burglary Insurance

Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.

For claim forms and answers to Frequently Asked Questions visit our partner's site.

Shop with 2 types of coverage

Added coverage means you can shop with confidence anywhere around the world.

Purchase Security & Extended Warranty Protection

Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Price Protection Service

Most items purchased with your Card are protected in the event of a price drop within 60-days of purchase.

Enjoy all the benefits

You also have all the advantages that come with being an American Express Cardholder.

Save time at the checkout

Tap your {{ctrl.productData[0].name}} or your smartphone for quick easy payments.

Get a Supplementary Card

Add an additional Supplementary Cardholder to your {{ctrl.productData[0].name}}. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member

Feel reassured (Optional protection)

Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.