1 Offer Description and Conditions: For a limited time, open a new Scotiabank Gold American Express credit card account (“Account”) and earn a 30,000 Scotia Rewards point bonus with your first $1,000 in everyday eligible purchases if made within the first 3 months. Plus, for a limited time, earn a bonus 20,000 Scotia Rewards points when you spend at least $7,500 in everyday eligible purchases on your Account in your first year. Plus, pay no annual fee for the first year. Conditions apply. – see below for further details. Offer applies only to new accounts opened by November 21, 2021. Offers may be changed, cancelled or extended and cannot be combined with any other offers.
To be eligible for 30,000 bonus Scotia Rewards points (the “30,000 Point Bonus”), you must open a new Account by November 21, 2021 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months. To be eligible for the 20,000 bonus Scotia Rewards points (the “20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) from 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 30,000 Point Bonus will be credited to the primary cardholder’s Scotia Rewards account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The 20,000 Point Bonus will be credited to the primary cardholder’s Scotia Rewards account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. The bonus points offer applies to new accounts opened by November 21, 2021.

Annual Fee Waiver Offer Description and Conditions: We will waive the initial annual fee for the primary card and each additional supplementary card on the Account for the first year only.

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.