Scotiabank Gold American Express Review

Boasting a robust rewards program, this card offers exceptional value with accelerated points accumulation across various spending categories.

The Scotiabank Gold American Express card is an exciting choice for individuals looking to maximize rewards and benefits on their everyday spending. One of its standout features is the generous rewards structure, offering multiple points per dollar spent on groceries, dining, entertainment, and daily transit purchases.

Whether you’re stocking up on groceries for the week or enjoying a night out at your favorite restaurant, this card lets you earn points effortlessly on your everyday purchases.

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Beyond its rewards program, the Scotiabank Gold American Express card provides added perks that enhance the overall cardholder experience. Cardmembers can enjoy comprehensive travel insurance coverage, making it an ideal companion for frequent travelers.

Earning rewards

Earning rewards with the Scotiabank Gold American Express Card is both effortless and rewarding, allowing cardholders to accumulate Scene+ points quickly across a variety of everyday spending categories.

1. Groceries:
   • Earn 6 Scene+ points per dollar spent at participating grocers (Sobeys, Safeway, FreshCo, Foodland) and on grocery delivery through Voilà.
   • Earn 5 Scene+ points per dollar at other grocery stores.
2. Dining and Entertainment:
   • Earn 5 Scene+ points per dollar spent at restaurants, food delivery (including meal kits), movies, and entertainment.
3. Transportation and Streaming Services:
   • Earn 3 Scene+ points per dollar spent on gas, ridesharing, public transportation, as well as on streaming services like Netflix and Spotify.
4. All Other Purchases:
   • Earn 1 Scene+ point per dollar spent on all other eligible purchases.

Redeeming rewards

The Scotiabank Gold American Express Card offers a diverse range of redemption options, allowing cardholders to maximize the value of their Scene+ points based on their preferences and spending patterns.

1. Travel:
   • Use Scene+ points to book travel through the online booking system powered by Expedia, with points valued at $0.01 each. No difference in pricing compared to direct bookings with airlines.
2. Merchandise and Gift Cards:
   • Redeem points for gift cards at partner retailers (e.g., Sobeys, Cineplex, restaurants) at a consistent value of $0.01 per point.
   • Note that redemption values may vary for merchandise and gift cards from non-partner retailers (e.g., Indigo).
3. Statement Credits:
   • Convert points into statement credits for cash back, although at a reduced value of approximately $0.07 per point.

Benefits of Scotiabank Gold American Express

• No foreign transaction fees

Experience the freedom of global spending with the Scotiabank Gold American Express Card, which features no foreign transaction fees. Whether you’re traveling abroad or shopping online from international retailers, you can make purchases without worrying about additional charges, making every transaction more rewarding and convenient.

• Welcome bonus

Get off to a rewarding start with the Scotiabank Gold American Express Card’s generous welcome bonus of up to 45,000 Scene+ points (a $950 value). Earn 25,000 points by spending $1,000 within your first three months, and another 20,000 points when you spend at least $7,500 in your first year. This exciting bonus jumpstarts your rewards journey, allowing you to redeem points for travel, dining, entertainment, and more right from the beginning.

• Amex benefits

American Express credit cards, like the Scotiabank Gold American Express Card, offer global acceptance, Membership Rewards for earning and redeeming points, travel benefits including insurance and airport lounge access, purchase protection, exclusive offers for events and discounts, dedicated customer service available 24/7, and personalized deals through Amex Offers. These benefits enhance the cardholder experience and cater to various lifestyle and travel needs.

• Concierge service

Indulge in personalized assistance and convenience with the Scotiabank Gold American Express Card’s concierge service. Whether you need help with travel bookings, restaurant reservations, or event planning, the dedicated concierge team is available to assist you around the clock, enhancing your overall cardholder experience.

• 11 types of insurance coverage

Gain peace of mind with extensive insurance coverage offered by the Scotiabank Gold American Express Card. With 11 types of insurance protection, including travel medical, trip interruption, rental car collision, and purchase security, you can feel confident knowing that you’re covered in various situations, allowing you to focus on enjoying life’s adventures worry-free.

Credit Card Scotiabank Gold American Express: Application Requirements

To apply for the Scotiabank Gold American Express credit card, ensure you meet the following requirements:

1. Age: Applicants must be at least 18 years old.
2. Income: A minimum income threshold is required. Please check the current income requirements on the official Scotiabank website.
3. Credit History: A favorable credit history enhances your chances of approval.
4. Legal Residency: You should be a legal resident of the United States.

How to apply?

Applying for a Scotiabank Gold American Express is easier than you think:

1. Go to the Scotiabank website and look for Scotiabank Gold American Express
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

FAQs – Scotiabank Gold American Express Credit Card

How can I access the concierge service provided with this card?

Cardholders can access the concierge service by calling the dedicated phone number provided with the card.

Is there an annual fee for the Scotiabank Gold American Express card?

Yes, there is an annual fee of $120 associated with the card. Refer to the current fee structure on the official Scotiabank website for details.

Can I track my rewards points online?

Yes, the Scotiabank online portal allows you to easily monitor and redeem your rewards points at your convenience.

What should I do if my card is lost or stolen?

In the event of a lost or stolen card, contact Scotiabank immediately at the provided customer service number to report the incident and request a replacement card.

CREDIT CARD

Scotiabank Gold American Express

Amex Offers Earn Scene+ points

Access everything you need with a credit card

APPLY NOW You will be redirected