Learn How to Apply for a Scotiabank Credit Card – Scotiabank Gold


The Scotiabank Gold American Express card is a highly customizable credit card with best-in-class multipliers of rewards across large spending categories, including grocery stores, restaurants, entertainment, gas, and transit. 

The Scotiabank Gold American Express card is frequently listed as Canada’s best travel credit card, and it isn’t difficult to see why. This has a very good earn rate, a good discount for signing up, and no international transaction fees. 


Essentially this card is for you if you spend a lot on your credit card, and you want to fly. Check out this article to know more about this amazing credit card and how to apply! 

Learn How to Apply for a Scotiabank Credit Card - Scotiabank Gold
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Scotiabank Gold Credit Card: Benefits

With the Scotiabank Gold, you can earn lots of flexible travel incentives. Moreover, you can earn 5 Scotia Rewards points for every $1 that you spend on groceries, restaurants, and entertainment-the highest of any flexible travel rewards card. 

For every $1 spent on gas, regular transit, and select streaming services, you earn 3 points! You can also earn 1 point on Scotia Incentives for every $1 earned elsewhere. 


You can redeem your points anywhere, anytime, with any service provider plus no travel restrictions. Upon signing up for the credit card, you start off your reward earnings off with a 20,000 point sign-up bonus ($200 value). 

You also have a connection to Scotia Rewards Travel Service and a 24/7 Concierge to help with all your travel requirements. 

Using Rewards Points

The best value you’ll get is by paying back your travel money. You can either use any provider’s Scotia Rewards travel service or book. 

Both options offer the same high value: 1 cent per point. Also, note that if you want to make a partial redemption point, you can only do so through Scotia Rewards.

This is not the only way you can utilize your points. Via Best Buy and Apple catalogs, you can exchange them for ay merchandise, merchandise, gift cards, and even statement points. 

You can see what each of these things can offer you above for bonuses, just remember that they aren’t going to be as good as travel redeeming.


To apply for the Scotiabank Gold American Express credit card, you need to be a Canadian citizen or a permanent Canadian resident. You must be in the province or territory where you live are the majority generation.

For the last 7 years, you need to have not announced bankruptcy, and you must have a minimum gross income of $12,000 a year.

How to Apply

You can apply online on the Scotiabank website, and there you will be guided for your application. You may also visit any Scotiabank branches near you! 

Fees and Interest Rates

There are multiple fees and interest rates to consider if you are thinking about the Scotiabank Gold American Express credit card. We have these fees listed below.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Foreign currency conversion: 2.5%
  • Cash advance counter fee (any financial institution in Canada): $3.50
  • Cash advance counter fee (financial institutions outside of Canada): $7.50
  • Cash advance fee: $4.00
  • Annual fee: $120
  • Minimum credit limit: $5,000

Contact Info

Learn How to Apply for a Scotiabank Credit Card - Scotiabank Gold
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If you would like to get in contact with a Scotiabank representative, we have provided their mailing address for you below.


44 King Street West

Toronto ON M5H 1H1


The Scotiabank Gold American Express card provides excellent travel benefits, the highest-earning rate of all travel cards, and the option to book for a respectable $120 annual fee for your own flight. 

There is no excuse not to check this card for at least one year with a sign-up bonus of $150 to see how useful this card will be for you.

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.