For once, bundling up feels good.

Earn up to $1,095 in first year value when you bundle your banking.

Make the most out of your banking package!

Earn up to $1,095 in bonuses, rewards and savings in your first year when you bundle your banking by October 31, 2023.

Apply for a Scotiabank®* Gold American Express® Card today1

Open a MomentumPLUS Savings account and earn up to 5.40% for the first three months2

Here’s how you can earn up to  $1,095 in bonuses, rewards and savings:

With a Scotiabank®* Gold American Express® Card you could earn up to $795 in bonuses, rewards and savings in your first year, which includes3:

Up to 40,000 bonus Scene+TM points offer with minimum spend4 (valued at up to $400)

Pay no foreign transaction fee and save 2.5%5 ($30 in savings based on average first year annual foreign spend)

Up to 24,709 Scene+ points earned based on average first year spend (valued at up to $245)

$120 annual fee waived with your Ultimate or Preferred Package6

Plus, with a MomentumPLUS Savings Account, you could earn $300 in interest7
when you make a deposit of $10,000, select a 90 day Premium Period and maintain that balance in your account for 12 months:

3.10% Welcome Bonus Interest Rate eligible for first 3 months2 ($75)

1.40% Regular Interest Rate8 ($140)

0.85% 90-Day Premium Period Interest Rate9 ($85)

0.05% Package Interest Rate boost with a Preferred Package10 ($5)

Your Scotiabank®* Gold American Express® Card comes with great benefits

Right for you if you:

  • Want to obtain a convenient and secure payment method for everyday purchases
  • Interested in building your credit history by making at least your minimum payments on time each month
  • Want an interest free grace period on purchases
  • Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee

May not be right for you if you:

  • Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
  • Prefer cash back rewards
  • Rarely travel or make foreign currency purchase

Not the right card for you?

Benefits you’ll love

Get access to Amex Offers® and other American Express Experiences11

Get mobile device insurance on new devices purchased using your card12

Shop and travel with 8 different types of insurance coverage12

Your award-winning card

Winner of the 2023 MoneySense Best Rewards Card for everyday spending

Winner of the 2023 credit card Genius Best Foreign Exchange Credit Card±

Fees, rates & other information13

Annual Fee: 

Interest rates:
on purchases
22.99% on cash advances 

Minimum credit limit:

Each supplementary card:

Earn Scene+ points on every $1 you spend on everyday purchases using your credit card 


Sobeys, Safeway, FreshCo, Foodland, and more

Earn 6 Scene+ points  on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more.14


Eat in, eat out, watch and cheer

Earn 5 Scene+ points  on every $1 CAD you spend in Canada on other eligible grocery stores,  Dining, Food Delivery, and entertainment. Includes movies, theatre, and ticket agencies.14


Listen, stream, ride and drive

Earn 3 Scene+ points  on every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.14


Everything else

Earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.14

Top reasons to open a MomentumPLUS Savings Account.

Right for you if you:

  • Want to save longer to receive higher interest
  • Will not require ABM, Point of Sale access, or automated direct bill payment functionality
  • Want free unlimited transfers between Scotiabank accounts via self-service

May not be right for you if you:

  • Want to use for everyday banking such as purchases, ABM transactions, and payroll deposits

Not the account for you?
Help me choose the right savings account

Account benefits

  • No monthly account fee
  • Save for multiple goals in one account
  • Unlimited self-service transfers15

Grow your money

  • Choose the premium period that suits you and track as you earn
  • Set up an automatic savings plan

Scotia perks

  • Take a picture of your cheque and deposit into your account using Mobile Cheque Deposit

Watch your savings grow over time

With the MomentumPLUS Savings Account, you can earn a savings rate of up to 5.40%2 for 3 months.

Regular interest rate8

Open an account and make a deposit to earn 1.50% regular interest rate.

Premium period interest rate9

Start a Premium Period and get up to 1.15% additional interest rate.


Rate varies depending on the select period: 

1.15%   |  360 days
1.00%   |  270 days
0.90%   |  180 days
0.85%  |  90 days

Bank account customers get an additional interest rate boost10

Ultimate Package customers earn an additional interest rate boost of 0.10%.


Preferred Package customers earn an additional interest rate boot of 0.05%

Welcome bonus interest rate2

Get a 3.10% Welcome Bonus Interest rate on eligible deposits for 5 months, if you open account during the campaign period.

Interest rates are per annum and subject to change. Visit the Current Rates page for more information.

Ready to bundle up?