Scotiabank American Express card | Travel Points

Offer

Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months1
Earn one Scotia Rewards point on all eligible everyday purchases
Flexible Point Redemption
Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.

Fees & Conditions

Personal Income $12,000

Household Income $12,000

Annual Fee $0

First Additional Card $0

Other Additional Card $50

Foreign Transaction Fee 2.5%

Purchase Rates 19.99%

Cash Advance Rates 22.99%

Balance Transfer Rates 22.99%

Advantages

Offer ends on Nov 21, 2021

Welcome Bonus 5,000 points

Minimum Spending Required $1

Rewards Type Travel points

Transferable Points

Transfer Partners Scotia Rewards

Loyalty Program Scotia Rewards

All Spending 1

Travel 1

Local Transport 1

Dining and Food delivery 1

Groceries 1

Convenience Stores 1

Gas 1

Drugstores 1

Office Supplies 1

Telecom/Internet 1

Entertainment 1

Online transactions 1

AIR MILES partners 1

Air Canada 1

Streaming services 1

Recurring Payments 1

Value

We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

The value of cash back or points earned
The value of the benefits or credits earned with the Card
The annual fee value (offered or not)

Calculation of the offer value in the first year
Value per point	1.0 ¢
Welcome bonus	$50
Annual fee	$0
Value	$50

Insurance

Common Carrier Travel Accident Insurance Amount $250,000

Common Carrier Travel Accident Insurance

Trip Interruption Insurance Amount Per Person $2,500

Travel medical insurance up to 64 years old

Travel medical insurance up to 64 years old - Duration 8 day(s)

Auto Rental Loss/Insurance - Amount MSPP $65,000

Purchase Protection - Amount $500

Purchase Protection - Duration 90 day(s)

Medical Travel Insurance

Price Protection

Extended Warranty

Extended Warranty - Duration 1 year(s)

Legal

1 Offer Description and Conditions: The 5,000 Bonus Scotia Rewards Points Offer (this “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened by November 21, 2021 subject to the conditions below. To be eligible for the Offer, at least $500 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 be credited to your Account within 2-3 business days after the first eligible purchase is posted to your account, 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: There is currently no annual fee for the primary card and no fee 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.

Visit the card provider’s website and application page for full details of the card , terms and conditions and current offers. Reasonable efforts are made to maintain the accuracy of the information.

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