Terms
Terms of the offer
- Earn 25,000 bonus Scotia Rewards points with your first $1,000 in everyday purchases in first 3 months†
- Enjoy no FX Mark-up
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Amex exclusive benefits (Front Of The Line)
- Rates, fees, offers and other information are effective as of July 2, 2020. Subject to change.
Personal Income
$12000
Household Income
$12000
Annual Fee
$120
First Additional Card
$29
Other Additional Card
$50
Purchase Rates
19.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
19.99%
Offer ends on
Nov 1, 2020
Welcome Bonus
25,000 points
Minimum Spending Required
$1000
Minimum Spending Timeframe
90
Rewards Type
Travel points
Transferable Points
Yes
Transfer Partners
SCENE
Loyalty Program
Scotia Rewards
All Spending
1 point / $
Local Transport
3 point / $
Restaurants
5 points / $
Groceries
5 points / $
Gas Stations
3 points / $
Food Delivery
5 point / $
Entertainment
5 points / $
Lounge Access
Oui
Concierge
Yes
Common Carrier Travel Accident Insurance
Yes
Common Carrier Travel Accident Insurance Amount
$500000
Common Carrier Travel Accident Insurance Details
When you charge at least 75% of the full cost of common carrier travel fares to your Scotiabank® Gold American Express® Card, you, your spouse and dependent children will be automatically insured against accidental loss of life, or dismemberment. Valid common carrier fares include fares for any licensed public conveyance such as airplanes, cruise ships, trains or buses.
Flight Delay Insurance
Yes
Flight Delay Insurance Amount
$500
Flight Delay Insurance Details
You may be reimbursed for eligible reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four (4) hours or more to a limit of $500 per trip for all insured travellers. Simply charge at least 75% of the full cost of your tickets to your Scotiabank® Gold American Express® Card.
Delayed Baggage Insurance
Yes
Delayed Baggage Amount
$1000
Delayed Baggage Details
When you purchase common carrier tickets with your Scotiabank® Gold American Express® Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the replacement cost of the covered luggage or the cash value at the time of loss, to a maximum of $500. The carrier must provide you with a cash settlement before Scotiabank® Gold American Express® Card coverage will pay any benefit. The delayed luggage benefit is limited to $1 000 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.
Lost/Stolen Baggage Insurance
Yes
Lost/Stolen Baggage Insurance Amount
$1000
Lost/Stolen Baggage Insurance Details
When you purchase common carrier tickets with your Scotiabank® Gold American Express® Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the replacement cost of the covered luggage or the cash value at the time of loss, to a maximum of $500. The carrier must provide you with a cash settlement before Scotiabank® Gold American Express® Card coverage will pay any benefit. The delayed luggage benefit is limited to $1 000 for all insured persons on the same trip for the cost of replacing essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.
Trip Cancellation Insurance
Yes
Trip Cancellation Insurance Amount Per Person
$1500
Trip Cancellation Insurance Details
The Scotiabank® Gold American Express® Card can protect your travel investment with trip interruption insurance at no extra cost. You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) for Trip Interruption. You must charge at least 75% of trip expenses to your Scotiabank® Gold American Express® Card.
Trip Interruption Insurance
Yes
Trip Interruption Insurance Amount Per Person
$1500
Trip Interruption Insurance Details
The Scotiabank® Gold American Express® Card can protect your travel investment with trip interruption insurance at no extra cost. You, your spouse, and your dependent children travelling with either parent, and one travelling companion travelling with you or your spouse are insured for up to $2,500 per insured person (maximum $10,000 per trip) for Trip Interruption. You must charge at least 75% of trip expenses to your Scotiabank® Gold American Express® Card.
Travel medical insurance up to 64 years old
Yes
Travel medical insurance up to 64 years old - Duration
25
Travel medical insurance up to 64 years old - Details
Oui
Travel medical insurance 65+ - Duration
3
Travel medical insurance 65+ - Details
Oui
Auto Rental Loss/Insurance
Yes
Auto Rental Loss/Insurance - Amount MSPP
$65000
Auto Rental Loss/Insurance - Details
When you charge the entire cost of car rental to your Scotiabank® Gold American Express® Card and decline the agency’s collision damage waiver or loss damage waiver (or similar provision) at the time of rental, you’ll be insured if your rental vehicle is damaged, or stolen.
Hotel/Motel Burglary Insurance
Yes
Hotel/Motel Burglary Insurance - Amount
$1000
Hotel/Motel Burglary Insurance - Details
When you check into any hotel or motel in Canada or the U.S., and charge your stay to your Scotiabank® Gold American Express® Card, you and your spouse and dependent children travelling with you will be eligible for coverage against theft of your covered personal property if your room is broken into. Should your claim exceed the amount reimbursable by the hotel, and/or any applicable insurance protection, your coverage picks up the balance, up to a maximum of $1,000.
Purchase Protection
Yes
Purchase Protection - Duration
90
Purchase Protection - Amount
$500
Purchase Protection - Details
Most personal 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 and is in excess of any other insurance coverage. When you use your Scotiabank® Gold American Express® Card to purchase most personal items and charge the full cost of the item to your card, extended warranty coverage doubles the period of the original manufacturer’s warranty for up to one additional year. Items covered by a manufacturer’s warranty of five years or more must be registered within the first year of purchase. There is a maximum lifetime liability of $60,000 under the Purchase Security and Extended Warranty coverages.
Price Protection - Details
When you use your Scotiabank® Gold American Express® Card to buy an eligible new item in Canada that is offered for sale in Canada at a lower price within 60 days of your purchase, the Price Protection Service can pay you the price difference up to $100 per item and $500 per calendar year.
Extended Warranty
Yes
Extended Warranty - Details
Most personal 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 and is in excess of any other insurance coverage. When you use your Scotiabank® Gold American Express® Card to purchase most personal items and charge the full cost of the item to your card, extended warranty coverage doubles the period of the original manufacturer’s warranty for up to one additional year. Items covered by a manufacturer’s warranty of five years or more must be registered within the first year of purchase. There is a maximum lifetime liability of $60,000 under the Purchase Security and Extended Warranty coverages.
Extended Warranty - Duration
1
Insurance Document
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Disclaimer
† Offer Description and Conditions: The 25,000 Bonus Scotia Rewards Points Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Account”) opened by November 1, 2020 subject to the conditions below. To be eligible for the Offer, at least $1,000 in eligible purchases must be posted to the Account within 3 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will appear as an adjustment on the Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. The Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
Offer may be changed, cancelled or extended and cannot be combined with any other offers.
Eligibility and Exclusions: 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 the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional supplementary card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions).
All rates, fees, features and benefits are subject to change.