Scotiabank American Express Card

Scotiabank American Express Card Image

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!

Apply online Rewards Calculator Rewards Calculator
  • 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

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

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
  • 21.99% 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

Additional Savings with American Express SELECTSSM

American Express SELECTS is a great place to find a wide variety of special offers from across Canada. You can also discover some great merchant offers available to American Express Cardmembers internationally. No matter where you are, a great offer awaits you at American Express SELECTS! Whether it's shopping, dining, entertainment or travel, the American Express SELECTS site is regularly adding exciting new offers.

To view the complete of offers, visit americanexpress.ca/selects

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.

Easy Access

When you link your Scotia Momentum VISA account to your ScotiaCard® you can use TeleScotia® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Visa payWave

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!5

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 scotiabank.com

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

Ready to Apply

  • Online 3 easy steps, only 5 minutes 100% safe and secure Apply online
  • PhoneCall the Scotiabank Credit Card Centre 1(800)747-3208 Mon-Fri (9am-8pm EST) 1(800)747-3208
    Mon-Fri (9am-8pm EST)

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