Scotiabank Gold American Express

Annual Fee $120 Additional Cards Fee $29 Annual interest rate 19.99% Cash Advances 22.99% General Points Reward 1pts. Gas Points Reward 3pts. Groceries Points Reward 5pts. Dinning Points Reward 5pts. Other Points Reward 1%	Travel Medical Insurance yes Travel Accident Insurance yes Trip Cancellation Insurance yes Trip Interruption Insurance yes Vehicle Rental Insurance yes Travel Family Insurance yes Concierge Services yes Price Protection Insurance yes Extended Warranty (1 Year) yes Special Offer yes Purchase Protection (90 days) yes Lounge Access (one per year) yes

• Earn up to 30,000 bonus Scotia Rewards in your first year - $300 in rewards!
• Earn 5x Scotia Rewards points for every $1 you spend at eligible grocery, stores, restaurants, entertainment
• Earn 3x Scotia Rewards points for every $1 you spend at gas and daily transit, streaming services
• Earn 1 point for every $1 you spend on all other eligible everyday purchases
• Complimentary Concierge Services 24/7
• No FX fee

• Those who would like to receive discounts on hotels, airfare, car rentals, cruises and vacation packages
• Those who would benefit from full service travel agency and premium concierge services
• Those who travel often and would like to benefit from comprehensive travel insurance
• Those who want to have access to airport lounges worldwide
• Those who would like to earn 5 Scotia Travel Reward points for every $1 spent at grocery stores, dining and entertainment
• Those who rent cars often

If you are a frequent traveler, this Scotiabank Gold American Express Card is the credit card that should be in your wallet. You will earn 5 travel reward points for every $1 spent at grocery stores, on dining and entertainment. For all other purchases you will get 1 point for every $1 spent. Additionally, you have access to a premium concierge to take care of your travel needs.

In addition to the extraordinary travel services, including 24/7 concierge services, this credit cardholder will benefit from the following features:

• Travel Privileges that include access to reduced rates, special amenities, and a diverse selection of worldwide destinations
• Hotel Privileges that give the cardholder up to 20% off the lowest published offer at over 18,000 hotels worldwide, with special rates and/or complimentary amenities
• Luxury Hotel Privileges that could save the cardholder up to 20% off the best available rates and a complimentary room upgrade (if available) at some of the world's most incredible properties. Enjoy a free complimentary breakfast and late checkout privileges
• Low Price Airfare Alerts
• Cruise Privileges that will provide special offers and benefits ranging from shipboard credits, upgrades, and shore excursions
• Car Privileges to receive up to 25% off qualifying rentals with 131 companies worldwide
• Vacation Privileges to enjoy low rates, special amenities, and discounts on select vacation packages

You can save even more by booking your travel through your Scotia Gold AMEX card as you and your family will be covered with comprehensive travel insurance that include:  

Comprehensive Travel Protection & Savings
Travel Emergency Medical Insurance (1MM for up to 25 days if you are under 64. 10 days coverage if you are 64+)
Trip Interruption and Trip Cancellation
Flight Delay
Delayed and Lost Baggage
Up to $500,000 Common Carrier Travel Accident Insurance
Rental Car Collision/Loss Damage Insurance
Hotel/Motel Burglary
Purchase Security and Extended Warranty