The Scotiabank American Express Card is just that – no frills, just straightforward points accumulation and great rewards for those cardholders who want to get the most out of their daily spending, all while enjoying the peace of mind that comes with a fee-free experience.

This card helps you to collect points for all the purchases which can be used for travel, dining and other benefits that we provide and use the card with no worry as it has no annual fee. Meaning it is a card for the simple yet winning oriented consumer, that pretty much makes this card good for anyone.

Main features of the Scotiabank American Express Card

Operated by Scotiabank – one of Canada’s leading financial institutions, the Scotiabank American Express Card targets those who appreciate straightforward schemes of earning rewards. If you are people who are interested in building or currently having a good credit score, this card is for you especially those who also like a rewards program without the necessity to pay for an annual fee. 

The card is affordable, with the possibility of obtaining credit that starts from $1,000, making it suitable for everyone, from young buyers just beginning their credit journey to seasoned shoppers looking for a reliable, rewarding option.

Understanding the annual fee 

Unexpectedly, the Scotiabank American Express Card does not require an annual fee to be paid by the cardholder. This means you have the license to reap as much as you can out of the card’s reward program without middle of the month surprise that has canceled out all your gains. 

Deciphering credit limits

Scotiabank uses credit limits that reflect credit worthiness of the cardholder, sources of your income, and other obligations to establish credit limits. The credit card limit begin from $1000, but as one uses credit facilities responsibly, usually paying bills on time and ensuring the balance is not too much, then he/ she will be privileged to an upgrade. 

Advantages of the Scotiabank American Express Card

• Scene+ Rewards: Accumulate points on all the purchases made, and get more points for the groceries, restaurant and entertainment.
• Mobile Device Insurance: Please ensure that you safeguard your smartphone or tablet when bought with your card.
• Travel Flexibility: Deal points for folks and it’s possible to exchange the points for flights, hotel and car rental without any restricted dates.
• Amex Offers: Get the best offers and savings on food, merchandise, and accommodations.

Standout advantage

If there is one thing that users of the Scotiabank American Express Card should know about this credit card is that it is affiliated with the Scene+ loyalty program. Since people can earn accelerated points on groceries and dining among other purchases, this card makes it possible to gain points very quickly. 

Addressing potential drawbacks

• High-Interest Rates: The rates of interest charges on the card are relatively high hence expensive should you fail to pay your balance in full.
• Limited Acceptance: Visa or Mastercard options are much more widespread than the American Express so the card can hardly be used as often.
• Foreign Transaction Fees: Charges for processing any transaction in foreign exchange is expensive and can be quite tasking for the highly mobile.

Standout disadvantage

The Scotiabank American Express Card is issued to legal residents of Canada with a legal age of majority in his or her province or territory. The applicant should be employed and be able to prove the same as well as enjoy a good credit rating; however the card does allow people with bad or no credit to sign up. 

Eligibility criteria 

The application process for Scotiabank American Express Card is quite easy but there are few things that the individual has to fulfill. Before anything else, the applicants should be in Canada, primarily because this credit card is available for the Canadian citizens and residents only. You should also be a majority provided the law in your province or territory recognizes you as being 18 or 19 years old age and above.

How to apply for the Scotiabank American Express Card

Scotiabank really has an easy process of application whether it is done online through the web application, or through the mobile application, or made in person and once you have applied for a card, Scotiabank makes sure that the card gets to the customer as soon as possible. 

Via website

First, go to the Scotiabank page and select credit cards; there, you’ll find the Scotiabank American Express Card. After choosing the card, you have to fill an online application where you’ll be required to fill in your basic information, your income and work experience. 

Again, the form is designed in such a manner that each of the sections entails clear labels so as to enable easy completion of the form. During the completion of the application, if you have any questions arising, there is provided a section of guideline, frequently asked questions and customer support online.

After filling the form, the system takes you back to the application you have just completed, where you can see all the detail you have put and certify if the information is alright before sending the application. When you apply, Scotiabank will review your credit to approve your application, and in most cases, get back to you within minutes.

Through the mobile application

To begin with, navigate to the app store of your mobile device, search for ‘Scotiabank’ and install the application, then, enter your Scotiabank user and password details. If you are a new customer, there is an added advantage; you can create your account right from the application. After login to the portal, one gets to the credit cards page where they get to choose the Scotiabank American Express Card among others. 

The guide will help you apply and it is a basically mobile adaptation of the online application process. To complete this form, you will be required to provide your personal details and your financial details and, in some cases, you can even scan and upload any necessary documents using your device camera such as proof of income.

Through the store/branch

To apply in person just visit the Scotiabank’s official website where there is branch locator that helps you to find the nearest Scotiabank branch. When going for the interview, it is important that you have all the documents as may be asked by the branch head, these include; ID, proof of income and any other financial information.