Scotiabank Gold American Express® Card

*Beta version of card page. Sign up to get updated guide soon.*

A great card for travel insurance for those with income under $60K


in free travel after $1,000 in 3 months

There’s no valid excuse for not having great insurance coverage for free, because almost all travelers are eligible for this card that does not require a high income (only $12,000).

Paying for a flight with a card that does not have insurance is a big mistake than can be costly.

This card has great insurance and has an excellent earn rate on your purchases in certain categories, especially food as it now earns 5X the points (and that also works at all retailers who are available via the gift card display at the grocery store).

The card has another benefit: No foreign transaction fee, which is an amazing deal.

There is an additional spend bonus also available (not included in our Flytrippers Valuation): spend $7,500 in the first year, and you will get a bonus of 20,000 Scene+ points ($200) but we don’t recommend that. You’re much better off using that spending to unlock more lucrative welcome bonuses.

Offer ends February 28, 2022.

Singup Bonus of 20,000 Scene+ points
= $200 (fixed value of 1.0¢/pt)

Points earned on the $1,000 minimum spend
= $50 (at 5X rate)

Card fee 
= $0 (first year free, $120 in subsequent years if you decide to keep it)

Total of $250 of free travel
(fixed value)
+ all points earned with your regular purchases

After the $250 Welcome Bonus…

Here is the Points earn rate:
1 pt (1.0%) per $ everywhere
3 pts (3.0%) per $ in gas stations, transit, and streaming services
5 pts (5.0%) per $ in grocery stores, restaurants, and in entertainment (and at all retailers who are available via the gift card display at the grocery store).

Scene+ Points are fixed-value Points and can be applied to travel expenses as a credit, so they are extremely flexible but can not give you more for your money.

More details coming soon in the Travel Rewards section.

25-day Medical travel insurance (64 years and under)
Flight delay insurance ($500, 4hr minimum)
Car rental insurance
Baggage & personal effects insurance
Trip cancellation insurance
Trip interruption insurance
Travel accident insurance
Hotel burglary insurance
Purchase protection and extended warranty 


Detailed article on the credit card coming soon

Scotiabank Gold American Express®

Offer Summary
  • $250 in free travel
  • Perfect for lower income levels
  • No foreign transaction fee
  • Excellent insurance coverage
  • Good earn rate on everyday purchases
  • Easy-to-use Fixed-Value Points
  • Minimum income of $12,000 required
  • Minimum spend of $1,000 to reach
  • Certain conditions apply*

Detailed article on the credit card coming soon

Start getting travel rewards with the Scotia Gold Amex Card now

via Scotia secure application

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