Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Simon Ikuseru, WalletBlissWith different Amex cards out there, the Scotiabank Gold American Express Card has distinguished itself on various grounds. From competitive rewards and promos, free foreign transactions, and exclusive Amex offers to comprehensive insurance, the card is worth checking out. Hopefully, you are now abl...
- Money.caThough the card is a solid all-around travel rewards card—particularly for those that spend a lot on groceries, entertainment and dining—it’s ideal for consummate travelers who could most benefit from not paying foreign transaction fees and redeeming points flexibly to cover travel expenses.
- Josh Bandura, Frugal FlyerThe Scotiabank American Express Gold credit card makes its mark in the Canadian credit card market with its strong earning rates, no foreign exchange fees, and easy-to-redeem rewards program. Both of us currently hold this card and we are able to get some excellent value out of it; we think you will...
- Jordan Lavin, ForbesOne of the most rewarding credit cards in Canada with useful benefits, travel insurance and no foreign transaction fees.
- Enoch Omololu, SAVVY New CanadiansThis card is worth considering if you are looking for a travel card that offers an excellent rewards rate and if you spend a decent amount on groceries, gas, restaurants, and entertainment every month. At a 5% earnings rate on these four categories, your $120 annual fee will be paid for in no time (...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate | 22.99% |
| Cash Advance Interest Rate | 22.99% |
| Rates & Fees | |
| Annual Fee |
$120.00 Waived on the first year |
| Balance Transfer Fee | $5.00 |
| Cash Advance Fee |
$5.00
|
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
20000 points after spending $1,000
|
| Rewards | |
| All Purchases | 1 point per $1 spent |
| Restaurants |
5 points per $1 spent On restaurants, fast food, and drinking establishments purchases. Includes popular food delivery and food subscriptions. |
| Gas | 3 points per $1 spent |
| Groceries | 5 points per $1 spent |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders |
|
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | $12,000 per year |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with Scotiabank Gold American Express® Card