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Scotiabank® American Express® Credit Card Review

    Almost every business accepts American Express credit cards, but customers until now, couldn’t get this card from Scotiabank. Not only does this card give you the convenience of American Express in your wallet, but you furthermore profit from lucrative points with every purchase you make. You can earn travel rewards up to 4 times faster than with other cards and use those rewards to pay for travel, hotel, cruises, or your dream vacation bundle!

    Earn up to 4 times

    For every dollar you spend on this credit card, you’ll get 4 points back when you make purchases on gas, groceries, dining, or amusement.

    You can select a combination of points and cash if you’re just a little short on the rewards you desire. Best of all, this credit card from Scotiabank boasts discounted rates and exceptional travel amenities.

    Don’t overlook the exclusive and complimentary concierge services! Or the 24/7 travel agency that will help you save money on your vacation.

    What Are the Rates For This Card?

    The Scotiabank Gold American Express boasts up to 21 day grace period on all purchases.

    This means you can avoid interest charges if you pay off your card inside the grace period, yet you still get the rewards for utilizing the card!
    Balances after the grace time, are subject to a 19.99% APR, while money advances or cheques that are in writing on the account are subject to a 21.99% APR. Interest rates are subject to change at any time.

    There is a $99 annual fee for this card, in addition to an added $29 charge for additional authorized cards that you allow on the account. Though the fees are a little higher than some credit cards, the advantages are spectacular and you gain access to American Express membership perks that are exclusive to members of this program.

    Don’t overlook Traveler’s Insurance

    The Scotiabank Gold American Express card offers 25 days of health coverage while travelling.


    Earn travel rewards up to 2x faster
    Scotiabank American Express Card Application


    Christopher - BSc, MBA

    With over two decades of combined Big 5 Banking and Agency experience, Christopher launched Underbanked® to cut through the noise and complexity of financial information. Christopher has an MBA degree from McMaster University and BSc. from Western University in Canada.

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