CA
Scotiabank Gold American Express® Card full review
One of the best welcome bonuses in the market is offered by Scotiabank Gold American Express® Card. But before signing up for this credit card, check out our full review!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Partner Offer through CreditCards.com
Scotiabank Gold American Express® Card.
In today’s Scotiabank Gold American Express® Card review, you’ll learn all about the features of this amazing credit card!
So, this card has won four awards in 2020 and 2021, as one of the best credit cards in Canada in terms of rewards and convenience on daily use.
How to get a Scotiabank Gold American Express®?
Scotiabank Gold American Express® is a credit card full of rewards and bonuses. Learn how to apply for it!
| Credit Score | Good – Excellent |
| Annual Fee | $120 Rates & Fees |
| Regular APR | From 19.99% to 22.99% Rates & Fees |
| Welcome bonus | Up to 40,000 bonus Scene plus points in the first year; No annual fee charged in the first year, and an intro APR of 0% for the first 6 months *Terms apply |
| Rewards | Up to 5 points on every $1 CAD spent on eligible purchases *Terms apply |
You can earn up to 5 points on eligible purchases and redeem those points into travel or statement credit.
Plus, it features a great welcome bonus: besides the points, you won’t pay an annual fee in the first year and APR for the first six months.
Also, it provides you with different types of coverage and some exclusive access to special events and experiences.
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How does the Scotiabank Gold American Express® credit card work?
First of all, there is a reward program through points, as follows:
- 5 points on eligible purchases at restaurants, grocery stores, and more;
- 5 points on eligible purchases in entertainment category;
- 3 points on eligible streaming subscriptions;
- 3 points on daily transit;
- One point on everything else.
Second of all, by signing up for this card, you can earn up to 40,000 bonus Scene plus points in the first year.
Plus, there is no annual fee in the first year, and it offers an intro APR of 0% for six months.
Also, you don’t have to worry about being assured because the card provides you with travel and emergencies coverage, as well as purchase security and extended warranty protection.
In addition, there are no foreign transaction fees whatsoever.
So, you can redeem the points earned on travel without worrying about purchasing in foreign currency.
Scotiabank Gold American Express® benefits
This Scotiabank credit card has plenty of rewards. As you read above, the welcome bonus is a big deal, too!
But you should know that all those perks come with a price.
The Gold American Express® card requires at least a 660-credit score. Plus, it requires a minimum personal income of $12,000 for the application.
Pros
- It offers a sign-up bonus and intro APR
- It gives you up to 5 points on eligible purchases
- Plus, it doesn’t charge a foreign transaction fee
- You can get exclusive access and offers by Amex Offers, Amex Front of the Line, and American Express® Invites programs
- It provides you with concierge service and eleven types of coverage
Cons
- It requires a good credit score, at least
- It requires a minimum personal income of $12,000
How good does your credit score need to be?
This credit card requires a good credit score for the application. Furthermore, you need to present a minimum personal income of $12,000.
How to apply for a Scotiabank Gold American Express®?
If you meet the requirements and want to get rewarded right away, learn now how to apply for a Gold American Express® by Scotiabank.
How to get a Scotiabank Gold American Express®?
Scotiabank Gold American Express® is a credit card full of rewards and bonuses. Learn how to apply for it!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Partner Offer through CreditCards.com
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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