Scotiabank American Express Card for travel

Scotiabank American Express Card
Scotiabank American Express Card

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Earn 5,000 bonus Scotia Rewards points

Start your travel plans faster. Earn 5,000 bonus points with your first Card purchase when you get a Scotiabank American Express Card.2

That's worth $50 in travel!

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New to Canada?
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No credit history needed.
  • Earn travel rewards up to 2x faster Earn 2x 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
  • Full Service Travel Agency Book online or call Scotia Rewards Travel Service3
  • Flexible Point RedemptionPurchase travel on your Scotiabank American Express 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 8 days)6
  • Merchandise and other rewards
  • Eligible for Apple Pay

Important Changes to our Scotia Rewards program:
Effective November 7, 2016, there will be changes to some of our Scotia Rewards terms and conditions. Please review full details of those upcoming Program changes.

At a Glance

Earn 5,000 bonus Scotia Rewards points2

Earn travel rewards up to 2X faster1

Where will your card take you? Scotia Rewards Points Calculator

Extraordinary Travel Benefits

Accelerated travel rewards!

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 two points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.1

Earn one point for every dollar you spend 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 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.

Travel Privileges5
Your Scotiabank American Express Card gives you access to reduced rates, special amenities, and a diverse selection of worldwide destinations.

Hotel Privileges
Receive up to 20% off the lowest published offer at over 18,000 hotels worldwide,with special rates and/or complimentary amenities.

Car Privileges
Take advantage of up to 25% off car rentals with over 125 companies around the globe

Vacation Privileges
Get low rates, special amenities, and discounts on select vacation package.

Cruise Privileges
Special offers and benefits ranging from shipboard credits, upgrades, and shore excursions (if available)

For a look at just some of the travel experiences available visit and click on the travel tab.

Scotia Rewards Points Calculator

Scotiabank Gold American Express Card Rewards Program Terms and Conditions.

Comprehensive Travel Insurance

Comprehensive Travel Protection & Savings6

  • Travel Emergency Medical Insurance
  • Trip Interruption Insurance
  • Common Carrier Travel Accident Insurance
  • Rental Car Collision/Loss Damage 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 accompanyingdependent 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 8 consecutive days and for eligible persons 65 years of age and older up to 3 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 8 days or if you are 65 years of age and over and travelling for more than 3 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

The Scotiabank American Express card can protect your travel investment with 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 American Express card.

Certificate of Trip Interruption Insurance (44 Kb)

Up to $250,000 Common Carrier Travel Accident Insurance

When you charge at least 75% of the full common carrier travel fares to your Scotiabank 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 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)

Purchase Security and Extended Warranty Insurance

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 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 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 (42 Kb)

Price Protection Service

When you use your Scotiabank 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: $1,000

Interest-Free Grace Period: At least 21 days7

Primary Card Holder Annual Fee: $39
Additional Card Holder Annual Fee: $15

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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Scotia® Credit Card Cheques4

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 5% 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 $20,000.

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 65 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.

Account Access3

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 Centre 1(800)747-3208 Mon to Thurs 9am - 11pm
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