Scotiabank Gold American Express Card

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Scotiabank Gold American Express Rewards Card

Earn 20,000 bonus points worth $200 in travel. Plus, first year annual fee waiver2

Apply online Rewards Calculator Rewards Calculator
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No credit history needed.
  • Earn travel rewards up to 4x faster Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment1
  • Extraordinary travel benefits Receive discounts and other special amenities at hotels, on airfare, car rentals, cruises and vacation packages5
  • 24/7 Full Service Travel Agency Book online or call Scotia Rewards Travel Service3
  • Flexible Point Redemption Purchase travel on your card from any travel provider, then call or go online to redeem your points for the travel purchase.4
  • Comprehensive travel insurance Includes travel emergency medical (up to 25 days)6
  • Complimentary Concierge Services 24/7 assistance with your travel and lifestyle bookings7
  • Access to Priority Pass Lounges Worldwide8
  • Merchandise and other rewards
  • Eligible for Apple Pay

At a Glance

Receive 20,000 bonus Scotia Rewards points2

Earn travel rewards up to 4x faster1

Where will your card take you? Scotia Rewards Points Calculator

Extraordinary Travel Benefits

Earn travel rewards up to 4x faster !

Earn travel rewards faster, then use your Scotia Rewards points to book flights, hotels, holiday packages, cruises and more with no restrictions!

Scotia Rewards® points
Earn four points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.1

Earn one point on all other eligible purchases.1


Extraordinary Travel Services

Purchase travel online or over the phone through our full-service travel agency. Or you can choose to book your own travel using your Scotiabank Gold American Express Card, then call or go online to redeem points for the purchase.4

Flexible Point Redemption

  • 1. Use your points:If you've earned all the points you need, redeem them for your complete trip – including taxes and surcharges.
  • 2. Use your Card: You can always use your Card to cover the full amount of your travel. And you'll earn rewards points for every dollar you charge.
  • 3. Combine points and payment: Short a few points? Want to save some for later? You can pay for your travel with a combination of accumulated points and a charge to your Card.

Plus, you get exclusive complimentary concierge access to assist you 24/7 with your travel arrangements and everything else from the everyday to the extraordinary.7

Discounts, offers and special amenities. Your card also extends you additional extraordinary savings offers, special amenities and privileges.

Global Hotel discount
Receive access to reduced rates off published offers at over thousands of hotels worldwide, plus enjoy special amenities (if available)

Car rental discounts
Take advantage of discounts off car rentals with major rental companies around the globe

Vacation Package savings
Receive special savings offers and enjoy additional amenities at resorts worldwide

Upgrades and perks on cruises
Enjoy more on every cruise with offers and benefits ranging from shipboard credits, to upgrades, shore excursions, specialty dining experiences, reduced deposits and dollars off

It’s easy to redeem your points for travel

  • Visit – To book travel
  • Call 1-800-665-2582 – To speak to an agent at Scotia Rewards Travel Service to help plan your next getaway

Scotia Rewards Points Calculator Where will your Card take you?

Scotiabank Rewards Program Terms and Conditions.

Comprehensive Travel Insurance

Comprehensive Travel Protection & Savings6

  • Travel Emergency Medical Insurance
  • Trip Interruption & Cancellation Insurance
  • Flight Delay
  • Delayed & Lost Luggage Insurance
  • Common Carrier Travel Accident Insurance
  • Rental Car Collision/Loss Damage Insurance
  • Hotel/Motel Burglary Insurance
  • Purchase Security & Extended Warranty Insurance
  • Price Protection Service

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

Travel Emergency Medical Insurance

  • As the primary cardmember, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.
  • Coverage is automatically provided for eligible persons under 65 years of age for up to 25 consecutive days and for eligible persons 65 years of age and older up to 10 consecutive days.
  • Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies.
  • The date of departure is counted as the first day.
  • This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under 65 years of age and are travelling for more than 25 days or if you are 65 years of age and over and travelling for more than 10 days, you may choose to purchase extension coverage from Scotia Assist prior to your departure by calling 416-572-3636 or 1 877-391-7507. You will receive a separate certificate of insurance if you choose to purchase this coverage.

Certificate of Travel Emergency Medical Insurance (52 Kb)

Trip Interruption and Trip Cancellation

  • The Scotiabank Gold American Express Card can protect your travel investment with trip cancellation and trip interruption insurance at no extra cost.
  • You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) when you charge at least 75% of trip expenses to your Scotiabank Gold American Express Card.

Certificate of Trip Cancellation Insurance (48 Kb)

Flight Delay

  • You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit $500 per trip for all insured travellers. Simply charge the full cost of your tickets to your Scotiabank Gold American Express Card.

Certificate of Flight Delay Insurance (38 kb)

Delayed and Lost Baggage

  • When you purchase common carrier tickets with your Scotiabank Gold American Express Card, you are eligible for coverage against the loss or the delay of your checked luggage.
  • The lost luggage benefit is limited to the lesser of the value of the covered luggage or the amount equal to the cash reimbursement made by the carrier, to a combined maximum of $1,000.
  • The carrier must provide you with a cash settlement before Scotiabank Gold American Express Card coverage will pay any benefit.
  • The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Certificate of Delayed and Lost Baggage

Up to $500,000 Common Carrier Travel Accident Insurance

  • When you charge at least 75% of the full common carrier travel fares to your Scotiabank Gold American Express Card, you, your spouse and unmarried dependent children will be automatically insured against accidental loss of life, or dismemberment.
  • Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.

Certificate of Travel Accident Insurance (35 Kb)

Rental Car Collision/Loss Damage Insurance

  • When you charge the entire cost of car rental to your Scotiabank Gold American Express Card and decline the agency's collision damage waiver (or similar provision) at the time of rental, you'll be insured if your rental vehicle is damaged, or stolen.

Certificate of Rental Car Collision Insurance (44 Kb)

Hotel/Motel Burglary

  • When you check into any hotel or motel in Canada or the U.S., and charge your stay to your Scotiabank Gold American Express Card, you'll be eligible for coverage against theft of your covered personal property if your room is broken into.
  • Should your claim exceed the amount reimbursable by the hotel, and/or any relevant insurance, your Scotiabank Gold American Express Card coverage picks up the balance, up to a maximum of $1,000.

Certificate of Hotel/Motel Burglary Insurance

Purchase Security and Extended Warranty

  • Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world – as long as the full cost of the item is charged to your Scotiabank Gold American ExpressCard.
  • Coverage extends for the first 90 days from the date of purchase and is in excess of any other insurance coverage.
  • When you use your Scotiabank Gold American Express Card to purchase most personal items and charge the full cost of the item to your card, extended warranty coverage doubles the original manufacturer's warranty for up to one year. Items covered by a manufacturer's warranty of five years or more must be registered within the first year of purchase.

Certificate of Purchase Security Insurance (47 kb)

Price Protection Service

  • When you use your Scotiabank Gold American Express Card to buy a new item in Canada that is offered for sale at a lower price within 60 days of purchase, the Price Protection Service pays you the price difference up to $100 per item and $500 per calendar year.

Price Protection Terms and Conditions (38 Kb)

Rates & Fees

Minimum Credit Limit: $5,000

Interest-Free Grace Period: At least 21 days9

Primary Card Holder Annual Fee: $99
Additional Card Holder Annual Fee: $29

Interest Rate:

  • 19.99% on purchases
  • 22.99% on cash advances, balance transfers and Scotia® Credit Card Cheques

For current rates and information on fees and interest cost, call 1-888-882-8958.

Additional Features & Privileges

Enjoy Special Offers, Access and Experiences with American Express InvitesTM*

Say hello to American Express Invites. It opens the door to memorable experiences we think you'll love. It's your table at the restaurant everyone is talking about. Your chance to get tickets to some of the hottest concerts through Front Of The Line®*. Or to reserve your seat at the next big blockbuster. It's your invitation to the latest must-see productions. Your chance to say "I was there".

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Best Price Guarantee on Airfare11

If, within 24 hours after completing an airline ticket purchase on the Scotia Rewards Travel site or with a Scotiabank Travel Rewards Representative, you find a price for the exact same itinerary that's at least $10 less, Scotiabank Travel Rewards will offer you a points credit equal to the price difference, per passenger. See for complete details and instructions on how to submit your claim.

Complimentary Concierge Services
Exclusive to our very best clients, our Concierge Service is on hand to assist you 24/7 to arrange everything from travel planning to dining and entertainment reservations to locating the perfect birthday gift.7

Lounge Access with Priority Pass8

Receive a special yearly Membership price of only $65 USD** (a 35% discount off the regular price) and access each lounge visit for just $27 USD**. Once you enroll, you will have access to lounges in more than 100 countries and 300 cities worldwide. Access includes:

  • Use of lounges in the program regardless of the class of travel or airline you're flying
  • Privileged access to over 600 Airport VIP Lounges worldwide
  • Relaxing ambience – for both you and your guests
  • Complimentary refreshments and snacks
  • Email, internet and conference space

To take advantage of this offer, each Cardmember on the account needs to enroll for the Priority Pass membership separately.

Scotia Credit Card Protection (optional)

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 10% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness++, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $0.95 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

  • 10% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
  • ++ Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
  • Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada.
  • All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
Account Access

The information you need is always close at hand. Locally and wherever your travels take you, it's important that you have access to your account and your account information in a variety of ways:

Internet Banking - Visit Scotia OnLine® Financial Services at

Telephone Banking - TeleScotia Telephone Banking 1-800-267-1234

ABM Machines - Worldwide look for machines displaying the Interac, American Express or LINK symbols

You can also use Scotia® Credit Card cheques to:

  • Transfer balances from gas and retail cards that charge higher interest rates
  • Pay for large purchases, insurance premiums or utility bills
Recently moved to Canada? Apply for a credit card designed for newcomers.

It's hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight ® Program± for Newcomers can help. It's a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

  • Make purchases online or by phone.
  • Earn rewards like cash back, free movies or travel points.
  • Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Apply now

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  • PhoneCall the Scotiabank Credit Card Centre1(800)747-3208Mon to Thurs 9am - 11pm
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