American Express^® credit cards

Paying your credit card on time and not going over your credit limit shows that you can use credit responsibly.

It’s also a good idea to keep your account balances below 35% of your available credit. For example, if you have a credit card with a $1,000 limit, try to keep the outstanding balance below $350.

You can activate your Scotiabank American Express or Visa card online or by calling us at 1-800-806-8600.
To activate your MasterCard, please call 1-866-583-6289.

If we don't receive your minimum payment by the minimum payment due date, the interest rate on your credit card may go up and your credit score may be affected.

You may be charged FX fees when you use your credit card to buy something in a foreign currency either online or while you’re travelling.

FX fees vary depending on the credit card you have, but the rate will be in the Terms & Conditions for your card. 

Please call us as soon as possible at 1-800-472-6842 (1-800-645-0288 for TTY service).