Our Revolving Credit Agreement is being updated

Effective June 30, 2019

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The Minimum Payment for Quebec Residents is changing

Effective August 1, 2019

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Rates, Fees and Card Features are changing

Effective August 1, 2019

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Scotiabank Gold
American Express® Card

Earn 15,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in the first 3 months1

Enjoy unique benefits, rewards and more. 


Book and redeem for travel anywhere, anytime, with no travel restrictions3, 4


New to Canada?

No credit history needed.

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See your travel rewards

and save

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Existing Customer? Apply Now

Great reasons to get this card for your everyday purchases

Reach your goals 4x faster

  • Earn 4 Scotia Reward points on every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment.

  • Earn 1 point for every $1 you spend on everything else.

  • Book travel and redeem easily

  • Use your Card and book travel through Scotia Rewards Travel Service, our full-service travel agency.

  • Redeem for travel anywhere, anytime, with no travel restrictions.

  • Enjoy benefits

  • Access to concierge services5, airport lounges6, special offers, merchandise, rewards and more

  • Peace of mind for every trip

  • Travel with confidence on every trip with our comprehensive travel insurance coverage

  • Scotiabank Rewards Program Terms and Conditions

    Fees, Rates & Other Information7

    Annual Fee


    29.0 each Supplementary Card

    Interest rates


    19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques

    Credit Limit



    Your card comes with benefits

    As a Scotiabank Gold American Express Cardholder, you’ll enjoy exclusive advantages.

    Book and redeem easily

    Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare8.

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    Enjoy complimentary concierge services

    Whether you need help planning your restaurant reservations, or tickets for a show, our concierge service is happy to assist, 24/7.

    Ensure your comfort at the airport

    Be confident that you’ll have a place to relax or catch up on business. Enjoy VIP lounge access with Priority Pass™ and access to over 600+ VIP lounges around the world.

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    Enjoy Special Offers, Access and Experiences with American Express Invites®

    American Express Invites10 opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go! Sign up for e-updates.

    Special Offers with Scotia Rewards Travel Advantage11

    Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.

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    Beyond Travel Rewards

    Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Reward

    Scotia Rewards & SCENE® Points Conversion18

    You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want.   Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions. 

    Visit scotiarewards.com and see the Conversion Program terms and conditions for more details. 

    Save on Car Rentals

    As a Scotiabank Gold American Express Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank Gold American Express card.       

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    Travel with 7 types of coverage

    Relax… While you’re away you have comprehensive travel protection.

    Travel Emergency Medical Insurance12

    Coverage is provided for eligible persons under age 65 for up to 25 consecutive days and for eligible persons age 65 and older for up to 10 consecutive days.

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    Trip Cancellation/Trip Interruption Insurance12

    Protect your travel investment with trip cancellation and trip interruption insurance at no extra cost when you charge at least 75% of your trip costs to your Card.

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    Flight Delay Insurance12

    Charge at least 75% of the full ticket cost to your Scotiabank Gold American Express Card and you’ll be eligible for reimbursement of necessary expenses such as hotel accommodations, meals and other emergency items.

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    Delayed and Lost Baggage Insurance12

    Charge the full cost of your airplane, train, bus or cruise ship tickets to your Card. If your checked luggage is delayed or lost – you’re covered.

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    Travel Accident Insurance12

    Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

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    Rental Car Collision Loss/Damage Insurance12

    Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

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    Hotel/Motel Burglary Insurance12

    Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.

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    For claim forms and answers to Frequently Asked Questions visit our partner's site.

    Shop with 2 types of coverage

    Added coverage means you can shop with confidence anywhere around the world.

    Purchase Security & Extended Warranty Protection12

    Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

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    Price Protection Service12

    Most items purchased with your Card are protected in the event of a price drop within 60-days of purchase.

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    Enjoy all the benefits

    You also have all the advantages that come with being an American Express Cardholder.

    Save time at the checkout

    Tap your Scotiabank Gold American Express Card or your smartphone for quick easy payments.

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    Get a Supplementary Card

    Add an additional Supplementary Cardholder to your Scotiabank Gold American Express Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member14

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    Feel reassured (Optional protection)

    Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

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    Scotiabank Gold American Express® Card

    In Person

    Make an appointment

    Find a branch
    By Phone

    takes about 8 minutes

    1 (800) 747-3208
    Apply Online

    Enjoy unique benefits, rewards and so much more.

    Apply Now