Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

The Best American Express Credit Card in Canada with no foreign transaction fee. Earn up to 5 points per dollar on everyday purchases.

Earn up to 50,000 bonus points and the first-year free with this offer!

Welcome Bonus

Up to 50,000 points Ends Nov 21, 2021



Best For

Annual Fee

$120First Year Annual Fee Rebate (terms apply)

Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

19.99 %


  • Earn up to 50,000 bonus Scotia Rewards points in your first year (that’s up to $500 towards travel)1
  • Plus, no annual fee in the first year.1
  • 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
  • Enjoy no FX Mark-up
  • Complimentary Concierge Services 24/7
  • Amex exclusive benefits (Front Of The Line)
  • Rates, fees, offers 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 $120
First Year Annual Fee Rebate
First Additional Card $29
Other Additional Card $50
Foreign Transaction Fee 0.00%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 19.99%


Offer ends on Nov 21, 2021
Welcome Bonus Up to 50,000 points
Minimum Spending Required $1,000
Minimum Spending Timeframe 90 day(s)
Rewards Type Travel points
Transferable Points
Transfer Partners Scotia Rewards
Loyalty Program Scotia Rewards
All Spending 1
Travel 1
Local Transport 3
Dining and Food delivery 5
Groceries 5
Convenience Stores 1
Gas 3
Drugstores 1
Office Supplies 1
Telecom/Internet 1
Entertainment 5
Online transactions 1
AIR MILES partners 1
Air Canada 1
Streaming services 3
Recurring Payments 1



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 $500
Annual fee $0
Value $500



Common Carrier Travel Accident Insurance Amount $500,000
Flight Delay Insurance Amount $500
Delayed Baggage Amount $1,000
Lost/Stolen Baggage Insurance Amount $1,000
Trip Cancellation Insurance Amount Per Person $1,500
Trip Interruption Insurance Amount Per Person $1,500
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration 25 day(s)
Auto Rental Loss/Insurance - Amount MSPP $65,000
Hotel/Motel Burglary Insurance - Amount $1,000
Purchase Protection - Amount $500
Purchase Protection - Duration 90 day(s)
Medical Travel Insurance
Extended Warranty
Extended Warranty - Duration 1 year(s)
Insurance Document Learn More
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