If you’re looking for a premium credit card in Canada that offers travel perks, strong rewards, and no foreign transaction fees, the Scotiabank Gold American Express® Card is one of the best options available.
This detailed guide explains everything you need to know before applying — from eligibility requirements to the online application process — all based on verified information from Scotiabank.

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Canada – STEP-BY-STEP TUTORIAL ON HOW TO APPLY FOR THE Scotiabank Gold American Express® Card

This guide will show you how to apply for the Scotiabank Gold American Express® Card quickly and easily through Scotiabank’s official website. This tutorial is SEO-optimized with keywords such as Scotiabank Gold Amex, credit card Canada, and how to apply for Scotiabank card.

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1. Access the Scotiabank Homepage

First, open the official Scotiabank Canada website: https://www.scotiabank.com/ca/en/personal.html.
In the top menu, click on the second option, “Credit Cards”, to access the credit card section.

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2. Explore Credit Card Options

On the credit card page, you’ll see multiple available options, including:

• Scotiabank Passport® Visa Infinite Card*
• Scotia Momentum® Visa Infinite Card*
• Scotiabank Gold American Express® Card
• Other Scotiabank credit cards

This page provides detailed information about benefits, fees, rewards, and requirements for each card, helping you choose the best one for your financial profile.

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3. Select the Scotiabank Gold American Express® Card

Click on the second option in the list, the Scotiabank Gold American Express® Card, and then click the red “Apply now” button.
This action will start the application process and redirect you to the online form.

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4. Complete the Application Form

In the form, instructions differ depending on your status:

• Existing Scotiabank customers: can use their current account to quickly and securely complete the application.
• New applicants: will need to create a Scotiabank account and provide basic personal information such as address, income, and contact details.

After filling out all required fields, review your information, accept the terms, and click submit. Soon, you will receive your Scotiabank Gold American Express® Card by mail, ready for activation.

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Additional Tips to Speed Up Approval

1. Have your personal and financial information ready: annual income, full address, and contact information.
2. Check your credit score before applying: a good credit history increases your approval chances.
3. Review all details carefully: errors can delay processing.
4. Activate your card immediately upon receipt: via Scotia Online or the Scotiabank app.

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Benefits of the Scotiabank Gold American Express® Card

• Earn Scene+ points: up to 6× points on selected purchases including groceries and entertainment.
• No foreign transaction fees: save 2.5% on international purchases.
• Travel insurance: comprehensive coverage for medical emergencies and trip cancellations.
• American Express benefits: concierge service, purchase protection, and exclusive offers.

These features make the Scotiabank Gold Amex ideal for anyone who wants to save money, earn rewards, and travel safely.

Everything You Need to Know to Apply

Step 1: Visit the Official Application Page

To start, go to the official Scotiabank website and find the Scotiabank Gold American Express® Card page.
Once there, you can click “Apply Now.” You will be guided to one of two options depending on your customer status:

• Existing Scotiabank clients can log into their Scotia Online account and complete the application through their online banking portal.
• New applicants can apply directly through the online form without logging in.
• Newcomers to Canada (those who have lived in the country for less than three years) may need to visit a physical Scotiabank branch to complete their application.

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Step 2: Review the Eligibility Requirements

Before applying, ensure that you meet the basic eligibility criteria established by Scotiabank. These typically include:

• Residency: You must be a resident or permanent resident of Canada.
• Age: You must have reached the age of majority in your province or territory (18 or 19 years old).
• Income: The recommended minimum personal annual income for applicants is CAD $12,000.
• Credit limit: The minimum credit limit offered is CAD $5,000.
• Credit history: A good or excellent credit score will improve your chances of approval. While Scotiabank does not disclose an exact score, maintaining a healthy credit history is important.

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Step 3: Fill Out the Online Application Form

Once you click “Apply Now,” you’ll be redirected to the secure application form. You’ll need to provide:

• Personal information: full legal name, address, and date of birth.
• Employment and income details: job title, employer name, annual income, and length of employment.
• Contact information: email address and phone number.
• Banking relationship: indicate whether you already have a Scotiabank account.
• Credit authorization: consent for Scotiabank to run a credit check.

During this step, you’ll also review the terms and conditions, interest rates, and fee disclosures. You may choose to add supplementary cards for family members for an additional annual fee.

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Step 4: Submit the Application and Wait for Approval

After submitting your application, Scotiabank will assess your information and run a credit check. The approval process typically includes:

• Reviewing your credit score, income, and existing debt levels.
• Verifying your identity and employment information.
• Assigning a credit limit (with a minimum of CAD $5,000).

Most applicants receive a decision within minutes. However, some applications may require additional review, which can take a few business days.
If you’re new to Canada, Scotiabank may ask you to visit a local branch for identity verification.

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Step 5: Activate and Use Your Card

Once approved, your new Scotiabank Gold American Express® Card will arrive by mail within a few business days. Here’s what to do next:

1. Activate your card through Scotia Online or the Scotiabank mobile app.
2. Set up eStatements for convenient online access to your monthly statements.
3. Add supplementary cards for family members (CAD $29 per year each).
4. Start earning Scene+ points by making eligible purchases:
   • 6× points on groceries at select stores
   • 5× points on dining, food delivery, and entertainment
   • 3× points on gas, transit, and select streaming services
   • 1× point on all other everyday purchases
5. Enjoy no foreign transaction fees — all foreign currency purchases are converted at the exchange rate without the usual 2.5% surcharge.

By activating your account online, you can also monitor transactions in real time, manage your rewards, and track your spending securely.

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Key Features and Benefits

The Scotiabank Gold American Express® Card stands out for several reasons:

• No foreign transaction fees: Perfect for travelers and online shoppers who buy in other currencies.
• Comprehensive travel rewards: Earn Scene+ points on all eligible purchases and redeem them for travel, entertainment, or gift cards.
• Premium insurance coverage: Includes travel emergency medical, flight delay, trip cancellation, and hotel/motel burglary insurance.
• Access to American Express benefits: Enjoy Amex-exclusive offers and 24/7 customer support.
• Strong welcome bonus: New applicants can earn tens of thousands of Scene+ points after meeting the initial spending requirement.

This combination of travel perks, high earning rates, and cost savings on foreign transactions makes the card one of the most competitive travel cards in Canada.

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Overview of Scotiabank

Scotiabank, officially known as The Bank of Nova Scotia, is one of the five largest banks in Canada. It has a strong reputation for reliability, customer service, and innovative financial products.

With over 190 years of history, Scotiabank operates in more than 30 countries and serves millions of customers worldwide. In Canada, it is known for its comprehensive range of banking services — from everyday checking accounts to wealth management and credit cards.

Scotiabank’s collaboration with American Express allows it to combine the flexibility of Amex’s global network with Scotiabank’s established Canadian infrastructure. The result is a trusted, well-supported product that meets the needs of travelers, professionals, and families who value rewards and convenience.

The bank’s commitment to transparency and customer protection ensures that cardholders can rely on Scotiabank for secure credit management and quality support.

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Frequently Asked Questions (FAQ)

Q1: What is the annual fee for the Scotiabank Gold American Express® Card?
A1: The annual fee for the primary card is CAD $120. Supplementary cards cost CAD $29 per year each.

Q2: What is the minimum income requirement?
A2: Scotiabank recommends a minimum annual income of CAD $12,000 for this card.

Q3: Does this card charge foreign transaction fees?
A3: No. One of the most attractive benefits is that there are no foreign transaction fees, saving you about 2.5% on every purchase made in another currency.

Q4: How can I earn and redeem Scene+ points?
A4: You earn points on eligible purchases, which can be redeemed for travel, entertainment, dining, or gift cards through the Scene+ program.

Q5: What is the minimum credit limit?
A5: The minimum credit limit is CAD $5,000.

Q6: How long does approval take?
A6: Most applicants receive an instant decision, while others may need to wait a few business days if additional verification is required.

Q7: Is there a welcome bonus for new applicants?
A7: Yes. Scotiabank frequently offers bonus Scene+ points for new cardholders who meet a minimum spending requirement within the first few months.

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Final Thoughts

The Scotiabank Gold American Express® Card is one of the most complete travel and lifestyle credit cards in Canada. It’s designed for individuals who value flexibility, convenience, and high reward potential.
With no foreign transaction fees, strong Scene+ earning rates, and premium travel insurance, this card offers outstanding value for both everyday use and international travel.

If you want a card that turns your daily spending into meaningful travel rewards while enjoying Scotiabank’s trusted service and support, the Scotiabank Gold American Express® Card is an excellent choice.