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Scotiabank® Gold American Express® Credit Card Review

    With the Scotiabank Gold American Express, you also can earn up to 4 times the amount of rewards points than you would with other cards. That’s because for every dollar you spend on this American Express credit card, you’ll get 4 points back in return when you make purchases on gas, food, dining, or entertainment. The rewards program with this credit card is also one of the most flexible on the market today. You can choose to redeem all your points on your preferred rewards.


    Scotiabank Gold American Express® Card
    Scotiabank Gold American Express Card Application

    The Benefits Don’t Just Stop There!

    You can choose a combination of points and cash if you’re just a little short on the reward you want. You can even choose to just use your card to fully cover the travel or rewards you wish to take. Best of all, this American Express credit card from Scotiabank offers you discounted rates and special amenities to coordinate with your travel or preferred rewards to make your money stretch further!

    Don’t forget about the exclusive and complimentary concierge services! Or the 24/7 travel agency that will help you book your upcoming holiday for a highly competitive rate!

    What Are the Rates For This Card?

    The Scotiabank Gold American Express offers a minimum 21 day grace period on all purchases. This means you can avoid interest charges if you pay off your purchase within the grace period, yet still get the rewards for using the card! For balances that carry over from the grace period, all purchases are subject to a 19.99% APR, while cash advances or cheques that are written 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, plus an additional $29 fee for authorized cards you allow on the account. Though the fees are a little higher than other credit cards, the benefits received are outstanding  and you gain access to American Express SELECTS, allowing you to take advantage of special offers from all over the country that are exclusive to members of this program.

    Don’t Forget About Travel Insurance!

    If you are using the Scotiabank Gold American Express card to travel, don’t waste more money on the purchase of travel insurance. Included with your account is up to 25 days of medical coverage while you’re exploring. Though some terms and conditions apply, it is an incredible way to give yourself financial security without any additional cost.

    When you are looking for your credit card with flexibility and acknowledgement at numerous retailers around the globe,  Scotiabank’s American Express credit card is a great choice to make. The American Express card gives you access to discounts that are exclusive to cardholders including 20% off over 18,000 inns and savings on rental vehicles.

    You will also get Scotia Rewards for every dollar you spend using the card. You can earn travel rewards up to four times faster than other credit cards and you can access Priority Pass Lounges Worldwide.

    If you’re looking for a high value American Express credit card, this one issued by Scotiabank has the rates, flexibility, and benefits that will help you meet your financial goals.

    Christopher - BSc, MBA

    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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