Reward

Scotiabank®* Gold American Express® card

Welcome offer
40 000Points
INTEREST RATES
20.99% Purchase
22.99% Cash advance
ANNUAL FEES
$120 Main cardholer
$29 Additional card

REWARD CALCULATOR

Enter your total monthly expenses or by category

🛒
Groceries
🍽
Restaurants
🍾
Alcohol & Bars
🎉
Entertainment
💵
Other
💸
Total
$
Net annual rewards the 1st year
This amount is the net value of the rewards that this card will earn in the first year, based on your spending. Our calculation takes into account the welcome offer (if any) and deducts the annual fee (if any).
$
Net annual rewards in subsequent years
This amount is the annual net value of the rewards this card will earn after the first year, based on your spending. If there is an annual fee associated with this card, it is deducted from the total annual rewards.

Welcome offer

Get 20,000 Scene+ points

Earn 20,000 Scene+ points (out of 40,000 points) by making at least $1,000 in eligible purchases during the first three months. Offer ends in July 1, 2024. Conditions apply.

Get 20,000 additional Scene+ Points

Make $7,500 in qualifying purchases in the first year to earn them. This will give you a combined total of 40,000 points worth $120 in travel rewards. Offer ends July 1, 2023.

Special features

Newcomers who value rewards and benefits and are looking for a personal credit card to build a credit history will benefit especially well from this card.

For a small fee, this card is perfect for newcomers with little to no credit history. Plus, it comes with valuable travel rewards and benefits.

No conversion fees

Scotiabank is the only major financial institution in Canada to waive the 2.5% conversion fee on foreign purchases made abroad or online. Regular exchange rates apply.

REQUIREMENTS

669
CREDIT
SCORE
CANADIAN RESIDENCY
12 000
REQUIRED INCOME

INSURANCE

🏥

Medical emergency

Card members and dependents are eligible for up to $1 million in emergency medical coverage.

Trip cancellation

Card holders and dependents are eligible for up to $1500 in travel expenses for trip cancellation if you charge at least 75% of trip expenses to your card.

⚡️

Trip interruption

Card holders and dependents are eligible for up to $1500 in travel expenses for trip interruption if you charge at least 75% of trip expenses to your card.

Flight delay

You are eligible for reimbursement of expenses related to a delayed flight if you charge at least 75% of your ticket cost to your card.

🦷

Travel accident

Cardholders and dependents have automatic travel accident insurance when at least 75% of the cost of the ticket is charged to your card.

🚗

Auto Rental coverage

Cardholders are automatically covered for collision, loss or damage to a rental car when the total cost of the rental is charged to your card.

💨

Hotel or motel burglary

Personal property is covered against theft from your hotel/motel up to a maximum of $1000 when your card is used to pay for the reservation.

📵

Mobile device insurance

Use your card to purchase new mobile devices on or after October 1, 2022 to receive coverage against loss, theft, damage or technical failure up to $1000.

🛍

Purchase Security

Purchase protection for items charged to your card extends for the first 90 days from the date of purchase.

📆

Extended Warranty

Finally, items charged to your card are covered under an extended warranty that doubles that of the manufacturer.

BENEFITS

🪪

VIP Airport lounge pass

Cardholders can take advantage of a discounted membership on Priority Pass, which grants access to over 1200 airport lounges around the world.

💎

Concierge service

Amex concierge services can help you make your reservations easily and hassle-free.

💳

More rewards with additional card

Cardholders can add supplementary cards to their account and start earning more Scene+ points which can be redeemed for flights through the Scene+ Travel Portal.

SIMILAR CARDS

RELATED ARTICLES

The 8 Best USD Credit Cards in Canada for 2023

If you’re one of the many Canadians who likes to shop online at American stores or spend time in the United States…

The 5 Best Prepaid Travel Cards in Canada

Prepaid credit cards offer Canadians a safe way to spend money abroad. Prepaid credit cards provide the convenience of a credit card…

Top 30 Leaders in Credit Cards in Canada for 2023

Eager for information on the Canadian financial sector? Here are the 30 most influential individuals making their mark on the credit market…

The 7 Best Secured Credit Cards in Canada for 2023

Secured credit cards in Canada are a powerful tool if you need to repair your credit score. In the world of finance,…

Still not sure? Compare credit cards and find the best one for your needs.

Subscribe to our newsletter to receive exclusive content on personal finance

[sibwp_form id=1]
* By subscribing to the Hardbacon newsletter, you also agree to receive communications and offers from select partners. You can unsubscribe at any time.