Get the Scotiabank Gold American Express® credit card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years?
Visit a branch to apply. Use our Branch Locator

Offer details

To qualify for the 50,000 bonus Scotia Rewards points offer, make sure to:

  1. Open a new Scotiabank Gold American Express credit card account by November 21, 2021.
  2. Earn 30,000 bonus Scotia Rewards points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening.
  3. Plus, for a limited time, you are eligible to earn a 20,000 Scotia Rewards point bonus when you spend at least $7,500 in everyday eligible purchases in your first year. 

Once you qualify, we’ll credit your account in 2 instalments:

  1. 30,000 bonus Scotia Rewards points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Account in your first 3 months. 
  2. 20,000 bonus Scotia Rewards points will be credited within approximately 2-3 business days after you have met the $7,500 annual spend threshold in your first year.

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for this offer.

See terms and conditions below for full details.

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 20%16 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 you are diagnosed with a covered Critical Illness17, 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 $1.09 per $100 of the 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.

Get a supplementary Card

Earn More Travel Rewards 

You will earn travel rewards on the purchases made by your Supplementary Cardholder at the same rate that you earn travel rewards on purchases made on your Card.

Comprehensive Travel and Shopping Protection 

Your Supplementary Cardholders will also enjoy the benefits of comprehensive Travel and Shopping coverage included with your Scotiabank Gold American Express Card Account

Purchase Security & Extended Warranty Protection (Maximum lifetime liability of $60,000)

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank Gold American Express® Card.

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.

Certificate of Insurance

Scotiabank Gold American Express® Card

Earn 5 Scotia Rewards®* points on every $1 CAD you spend on eligible purchases.2

The only major bank that saves you 2.5% on foreign transaction fees.9∆

Special Offer

Earn up to 50,000 bonus Scotia Rewards points (that’s up to $500 towards travel)1 and no annual fee in the first year, including supplementary cards.1 Plus, get a 0.00% introductory interest rate on balance transfers for the first 6 months.1

 (22.99% after that; annual fee $120) (1% balance transfer fee).1

Scotiabank Gold American Express® Card
Apply now

Fees and rates

Annual fee
$120/year

Interest rates
19.99% / 22.99%
On purchases / cash advances

Minimum credit limit
$5,000

Each supplementary Card
$29/year

No foreign transaction fees

You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.9

Your award-winning card

Winner of the 2021 Rewards Canada Top Travel Points Credit Card (annual fees)

Winner of the 2021 MoneySense Best Rewards Cards (everyday use)

Winner of the 2021 creditcardGenius Best Flexible Credit Card±

Winner of the 2020 MoneySense Best Travel Card for everyday use

What's included with your Card

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

Get the Scotiabank Gold American Express® Card


Pay no foreign transaction fees

Check out how your card saves you 2.5% on all your foreign currency purchases.8

Save 2.5% while cross-border shopping online.8

Watch the video to see how it works.

Watch video

Not sure if this is the right card for you?