Scotiabank Gold American Express Card Review

 An enduring favorite in the field of Canadian reward cards for travel because of its faster rates of earnings and its accelerated earn rates, the Scotiabank(r)*Gold American Express(r) card is sought-after by travelers due to it's flexible reward program, which lets you redeem points to travel around the world without limitations.

While the annual fee for the card is $120 It shouldn't be a problem to earn that amount return in rewards points and savings on foreign transaction charges particularly for those who often travel abroad.

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In addition, for a short period of time, you'll be able to receive a 20,000 Scenepoints plus a bonus point by spending at least $7,500 on eligible everyday purchases during the first year of your account. You must apply on or before July 4th 2022. The terms and conditions are in effect.

Here's a look into the other brand new and (mostly) enhanced Scotiabank(r)*Gold American Express(r) card.

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Foreign Transaction Fees

Scotiabank(r)*Gold American Express(r) card holders were previously charged a charge of 2.5 percent on every purchase made using foreign currencies and no longer. The new card is part of the elite group of Canadian credit cards which don't charge foreign transaction charges which can save you money on international travel and online shopping on websites that do not offer deals in Canadian dollars.

Rewards Structure

The card gives you a welcome bonus that can be as high as 45,000 . Sceneplus pointsin the first year (that's up to $450 towards travel).

• Five Scene+ Points per $1 spent on eligible groceries or dining out purchases (one among the top earning percentages for Canada for these types of purchases).
• 3 . Scene+ rewards for each dollar spent on fuel and daily transit and selected streaming services.
• Other purchases are netting 1 point for every dollar.

Apart from redeeming points in exchange for travel rewards, points may be used to purchase a range of gift cards, merchandise and credit on statements. Beware: although you can use your points for a variety of things and experiences each one has a distinct redemption rate, and some are not great bargains (like the majority of credit reward programs for cards within Canada).

You will get the best value from the points (1 point equals $0.01) whenever you use them to pay for travel. You can book your trip via Scotiabank's Travel Service, for all-inclusive travel, flights, vacations rental cars, and many more. Better than that, you can use your points to plan your own travel that is eligible (including rentals, flights baggage fees, flights and more) and then use points to cover travel costs once they show on your account. The card does not have blackout deadlines and the redemption may include taxes. Be sure to spend your money within 12 months from the date of purchase and at least five thousand points.

Travel Insurance

Scotiabank(r)* Gold American Express Scotiabank(r) Gold American Express(r) card is the most extensive range of insurance for travel that includes:

• Medical emergency travel insurance Coverage that lasts for 25 consecutive consecutive days for people who are younger than 65. If you're over 65 however, the insurance coverage is limited to three days.
• Trip cancellation insurance or trip interruption insurance You are eligible for coverage if you have charged at 75 percent or more of the cost of your trip to your credit card (note that you'll be covered up to $1500 per person for expenses that qualify).
• Also included are coverage for delays in flights delay and lost baggage insurance Travel accident insurance, collision damage insurance for rental cars along with hotel insurance for burglary. Go to Scotia's website to be sure you're aware of the maximum dollars and exclusions.

Other Features

Apart from the benefits for travel The card also offers many additional benefits , such as:

• Extended warranty and purchase security security
• Free concierge service
• A discounted Priority Pass membership. Although it's not as great than actually having free passes to lounges at airports The card offers you a discounted membership at $65 USD (35 percent off the normal cost of membership) to the Priority Pass. A membership is when you pay $32 USD for each lounge visit.
• American Express Invites. Get invitations to exclusive screenings of movies concert, dining, shopping, and more.
• Discounts on rental cars Get up to 25 percent off base car rental prices at AVIS as well as Budget, both in Canada as well as the U.S.