Credit Card Review & Application

4.5

out of 5

- Earn 15,000 bonus Scotia Rewards points with your first $1000 in everyday purchases in the first 3 months◊
- Earn 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
- Earn one point on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Rates, fees and other information are subject to change.



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.99% (variable)*
Annual Fee: See terms*
Card Issuer: Scotiabank
Card Network: American Express
Card Category: Consumer (Premium)
Card Type: - Co-Branded
- Instant Decision Card
- Reward Card
Credit Needed: Good*

The Scotiabank Gold American Express Card is the epitome of what today's contemporary consumers are looking for. With great rewards opportunities, affordable fees and maximum perks and benefits, there's no doubt this ScotiaBank AMEX has hit it out of the proverbial park.

Card members will enjoy having their first year's annual fee waived along with bonus Scotia Points after their first purchase. You'll earn four Scotia Rewards Points for every dollar spent on eligible gas, grocery, dining and entertainment purchases plus a point for every dollar spent on other eligible purchases. These points can be redeemed for a number of perks, making this one of the most versatile offers found anywhere. You can apply those rewards to your travel purchases, gift cards and even merchandise. Your good credit ensures you always have options and this card offer is proof.

Now that the global recession is beginning to fade into history, more consumers are rethinking their options and their financial tools. These days, we're demanding more - and we don't want to sacrifice one benefit for another. That was the goal coming into designing this new credit offer. It's about empowering customers, offering choices and not charging them for those choices. It's about being treated with respect, knowing a friendly and knowledgeable customer service representative is available when you need him and it's about taking control of your financial future. Contrary to what we'd become accustomed to in recent years, the new reality is that we can, indeed, have it all.

Who knew one credit card could meet the needs of so many? If you're already a ScotiaBank customer, you know the mission and focus of this global name. With a very active community involvement in every community it's in, a focus on giving back and a powerful commitment of taking care of its customers, you can use any of its products with worry-free confidence. That long gone sense of keeping your money in your community is alive and well with the Scotia Bank family.

The American Express name means prestige, even luxury, and cardmembers love the fact that they're always made to feel as though they're the only customer in the world when it comes to customer service.

It's that combined commitment of both brands that make this offer so special.

Wondering about the other perks and benefits of this offer? A few of the benefits include the Scotia Rewards points that allow you to build those points faster, so you can make the most of them sooner. You can also book your travel online or over the phone through the full service travel agency. You can also book your own travel and when you use your ScotiaBank Gold card, you can redeem your points easily online. And speaking of those rewards points, you can save them with no limits and cover your entire vacation with nothing but points, excluding taxes and any surcharges. If your vacation comes around and you're not quite ready to use all of your points, you have the option of combining them and your gold card to make your purchases. It really is all about the flexibility. Save up to 20 percent off the lowest published offers at more than 18,000 hotels around the world.

You'll enjoy complimentary room upgrades when they're available - and this applicable even for the most elegant, sophisticated and beautiful hotels anywhere in the world. Complimentary breakfast and when available, late checkouts are two more perks of being a ScotiaBank AMEX cardholder.

Many of us love the sense of escape that a cruise delivers and if you're one of those people, you'll enjoy even more special offers and benefits, including ship credits, shore excursions and even upgrades when they're available. Most vacations mean car rentals - you'll enjoy big savings at more than 130 car rental companies around the world and finally, if you prefer entire vacation packages, you're in good hands - you can use your AMEX credit card for bigger savings, lower rates and additional amenities not available to other travelers.

Learn more about this special credit card offer today and take advantage of the quick application process. As always, carefully review the terms and conditions before making your decision and if you have questions, you can be sure they'll be met by a friendly representative who stands ready to provide those answers.


The review prepared by

Reward Types: - Gas Reward Cards
- Merchandise Reward Cards
- Other Reward Cards
- Travel Reward Cards
Reward Unit: Point
Rewards: - 15,000 bonus Scotia Rewards points with your first $1000 in everyday purchases in the first 3 months◊
- 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
Expiration: None*
Yearly Limit: None*
Other Benefits: *See terms and conditions of the card for other benefits
Comments: To apply for the credit card you must:

- Be a Canadian Citizen or Landed Immigrant
- Have reached the age of majority in your province/territory (18 years in AB, MB, ON, PE, QC, SK. 19 years in all others)
- Not have declared bankruptcy in the past seven years
- Have a minimum gross monthly income of $1,000 unless you are applying for a student credit card

Promo Offers Legal Reference:

To be eligible for the 15,000 bonus points offer (this "Offer"), you must have at least $1000 in net purchases (purchases less returns or similar credits) posted to your Scotiabank credit card account ("Account") in the first 3 months from the Account open date. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing. Offer applies to a new Account only opened by defined date (see terms & conditions for details) (the "Offer End Date"). Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 19.99% (variable)*
Annual Fee: See terms*
Grace Period: See Terms*
Min Credit Line: $5,000
Late Payment Fee: N/A*
Over Limit Fee: $29.00
Balance Transfer: Yes
APR Cash Advances: 22.99%
Additional Fees Foreign Currency Conversion: 2.5%
Each additional card: $29.00
Dishonored payment fee: $48
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† Published on Nov 2, 2018. Information relating to the Scotiabank American Express Gold Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.




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