If you’re searching for a card with solid rewards and travel perks, the Scotiabank Gold American Express® Card is worth a look.
The application process is straightforward, whether you apply online or in person. Here’s everything you need to know before submitting your request.
What Is the Scotiabank Gold American Express® Card?
This card is a premium rewards credit card issued by Scotiabank, designed for individuals who frequently spend on food, entertainment, and travel.
It provides access to Scene+ points, Amex offers, and travel-related perks. You can redeem rewards across a wide range of options. The card also offers strong travel support features.
You earn up to 6X Scene+ points per $1 CAD on groceries, dining, and entertainment. Daily transit, rideshares, and streaming services earn 3X points. All other purchases earn 1X points. There’s no limit to how much you can earn each month.
Benefits and Features
The Scotiabank Gold American Express® Card gives you a well-rounded package of rewards and lifestyle benefits. It’s built for convenience and flexibility. Below are the top features you can use.
- Earn and redeem Scene+ points at over 1,100 stores across Canada, including Sobeys, Safeway, FreshCo, and more.
- Access Amex Offers for shopping, dining, travel, and other categories.
- Enjoy exclusive experiences such as concert presales and reserved event tickets.
- Benefit from 24/7 concierge services and discounts for airport lounge access
Who Is This Card Right For?
This card fits specific spending habits. You should understand whether it matches your lifestyle before applying. The card offers great value if you fall into the following categories.
- You pay off your balance monthly and manage credit responsibly.
- You’re looking to build credit while earning high rewards.
- You spend frequently on groceries, dining out, and travel.
- You’re comfortable with paying an annual fee for premium benefits.
Who Should Avoid This Card?
Some users may not get full value from this card. The annual fee and point-based rewards might not suit everyone. You may want a different option if the following points apply to you.
- You plan to carry a balance or use the card for debt purposes.
- The high interest rates of 20.99% on purchases and 22.99% on cash advances are not manageable for you.
- You prefer cash-back rewards instead of point-based systems.
- You rarely travel or spend in the card’s bonus categories.
How to Request the Scotiabank Gold American Express® Card?
Applying for the card is simple and can be done online, by phone, or in person. Be ready to provide some financial and personal details. Here’s how to complete your request.
- Visit Scotiabank’s official website.
- Locate the Scotiabank Gold American Express® Card application page.
- Click “Apply Now” to begin the application process.
- Enter your personal information, including name, address, employment, and income details.
- Review the terms and conditions.
- Consent to the application and submit it.
- Wait for an instant decision or further instructions from Scotiabank.
Other Application Methods
If you don’t want to apply online, other channels are available. Scotiabank allows multiple ways to access its products. This flexibility can help if you prefer speaking to someone directly.
You can apply in person at any Scotiabank branch. You can also call 1-800-4SCOTIA to speak with an agent. Existing Scotiabank users can use the mobile banking app. Either way, you’ll need to provide basic documents and identification.
Fees and Interest Rates
Understanding the costs is essential before applying. The card carries a set of standard rates and fees. Review these details to avoid surprises.
The annual fee is $120, and each supplementary card costs $29. Purchases have a 20.99% interest rate, and cash advances are charged at 22.99%. The minimum credit limit is $5,000. These rates are typical for a premium rewards card.
Scotia SelectPay™ Feature
Scotia SelectPay offers more flexibility for repayment. It helps break large purchases into smaller payments. This can reduce financial pressure when managing your credit.
You can use SelectPay for any eligible purchases over $100. There is no installment plan fee. It also comes with a lower interest rate compared to standard credit card debt. It’s a useful option if you want short-term financing.
Scene+ Rewards Earning Structure
The earning structure is one of the strongest in Canada. Scene+ rewards cover a wide range of spending. Here’s how you maximize points with this card.
You earn 6X points on grocery, dining, and entertainment. Streaming services and public transit earn 3X. Ride-sharing and gas also get 3X. All other purchases get the base 1X rate.
Travel and Entertainment Perks
This card includes several travel-related features. These perks can save you money and add convenience during trips. You get more value if you travel often.
Airport lounge access is included via Priority Pass membership. You’ll get access to over 1,200 lounges globally. You also get 24/7 concierge services for reservations and bookings. Amex Experiences gives access to special event tickets before the public.
Scene+ Redemption Options
The flexibility of points makes this card attractive. Scene+ lets you redeem rewards your way. The program has grown beyond movies.
You can redeem for flights, hotel stays, and merchandise. You can also use points for groceries or gift cards. Scene+ Travel lets you book without blackout dates. Redemption starts at low thresholds.
How to Reach Scotiabank Support
Getting help when you need it is essential. Scotiabank offers full support channels. Here’s how you can get in touch.
You can call 1-800-4SCOTIA (1-800-472-6842) anytime. For international or Greater Toronto calls, dial (416) 701-7200. For accessibility support, use 1-866-267-4726. You can also visit any local branch for in-person help.
Disclaimers: Terms and offers are subject to change. Always review the full cardholder agreement before applying.
Final Thoughts: Is This the Right Card for You?
The Scotiabank Gold American Express® Card is powerful if used wisely. You earn points quickly and avoid foreign transaction fees.
The perks are best suited for travelers and high spenders. Apply only if you can pay in full each month and want premium benefits.
