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For once, bundling up feels good.
Earn up to $9001 when you bundle your banking.
Make the most out of your banking package!
Earn up to $9001 in bonuses, rewards and savings when you bundle your banking.
You’re pre-approved for a Scotiabank Gold American Express® card with a credit limit of $X,XXX.2
Open a MomentumPLUS Savings account and earn up to 5.40% for the first three months3
Here’s how you earn up to 9001 in welcome bonuses, rewards and savings:
With a Scotiabank Gold American Express® Card 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
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:
$120/year6
Interest rates:
20.99% on purchases
22.99% on cash advances
Minimum credit limit:
5,000
Each supplementary card:
$29/year
Earn Scene+ points on every $1 you spend on everyday purchases using your credit card
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 purchase. 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
Account benefits
- No monthly account fee
- No minimum balance required; see summary of account fees
- Save for multiple goals in one account
- Unlimited self-service transfers15
Grow your money
- The longer you save, the higher your interest rate; see current interest rates
- Choose the premium period that suits you and track as you earn
- Set up an automatic savings plan
Scotia perks
- Transfer funds, view transaction history, and more using the Scotia mobile app or online banking
- 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%* for 3 months with.
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 rate*
Get a 2.25% 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?