• 1 You will earn 4 points per $1 on the first $50,000 in purchases made annually at American Express merchants classified in the American Express network as: Gas Service Stations and Automated Fuel Dispensers; Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; and Entertainment including Motion Picture Theaters, Theatrical Producers, Ticket Agencies, Bands, Orchestras and Miscellaneous Entertainers. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply. You will earn 1 point per $1 on purchases made after you have reached the 4 points per $1 $50,000 annual spend maximum and on all other purchases made with the card. Points are not awarded for cash advances, Scotia Credit Card Cheques, Scotia Rewards Dollars, returns, payments, casinos and gambling, annual membership or card fees, interest charges or service transaction charges. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. Read More

• 2 The 15,000 Scotia Rewards bonus points are awarded when you use your Scotiabank Gold American Express Card for a purchase within two months of open date and provided the account is open and in good standing. The points will appear as an adjustment on your Scotiabank Gold American Express Card statement within two statement cycles of your first card purchase. Offer applies to new accounts opened by June 30, 2014.
• The introductory annual fee waiver only applies to the initial annual fee for the primary and additional cards. The Scotiabank American Express Gold card's regular interest rate is 19.99% for purchases. For cash advances, balance transfers and Scotia Credit Card Cheques the interest rate is 21.99%. The regular annual fee is $99 per year for the first card issued on the account; additional cards are charged an annual fee of $30 per year per card when issued, regardless of card activation and will be billed to your first statement and once a year thereafter. Offer applies to new accounts opened by June 30, 2014. Any additional cards must be issued by June 30, 2014, to qualify for the offer. Rates and fees are as of September 1, 2013 and are subject to change without notice
• 3 Scotia Rewards Travel Service by telephone for Scotiabank Gold American Express Cardmembers is provided by a duly licensed 3rd-party travel agent AXA Assistance USA, Inc. AXA Assistance USA, Inc. Travel Booking Site provided by a duly licensed 3rd party travel agent: Altour International Inc.
• 4 You are eligible to redeem travel-related expenses on the card made outside of Scotia Rewards Travel Service for points, provided that these travel-related expenses have not been previously claimed and your account is in good standing. In order to qualify, the travel-related activity must be associated with trips made on your card and the charges submitted are recognized by our systems under the following American Express Merchant Category Codes or identifiers: airlines & air carriers – 4511; airports, flying fields, and airport terminals – 4582; lodgings, hotels, motels and resorts – 7011; trailer parks and campgrounds – 7033; passenger railways - 4112, bus lines – 4113; steamship and cruise lines – 4411; travel agencies and tour operators – 4722; automobile rental agency – 7512; motor home and recreational vehicle rentals – 7519; and include related taxes, booking fees, airport fees and travel insurance premiums.
• Credit to your account cannot exceed the amount of the cost of the travel transactions submitted. A minimum of 5,000 points must be redeemed at one time. You will have 12 months to redeem these eligible travel-related purchases for points. Points cannot be redeemed once 12 months have elapsed from the date it was posted to your card account. It may take up to two statement cycles following the processing of your redemption request for the points to be credited to your account. You cannot have travel rewards reversed once your redemption request has been processed
• 5 Travel Privileges is brought to you by American Express with offers from participating American Express merchants. Lowest available rate refers to rates available across booking channels and must be available in the Global Distribution System during the booking date for the same booking being requested through Hotel Privileges and Luxury Hotel Privileges. Lowest available fare refers to the lowest published airfare at time of booking based upon search criteria. Minimum booking requirements may apply. Cancellation policies, payment policies, and all other booking conditions will be advised at the time of booking. Blackout dates may apply. All reservations and offers are based on availability and are subject to taxes and assessments. Offers are subject to merchants' standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com
• 6Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. The Insurance certificates or Terms and Conditions contain full details of all coverages underwritten/provided by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida and Chubb Insurance Company of Canada. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers.
• 7 Concierge Service provided by a duly licensed 3rd party premium concierge provider: AXA Assistance USA, Inc.
• 8 Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Gold American Express Card is cancelled. For complete Priority Pass terms and conditions, please visit www.prioritypass.com/Conditions-of-use.cfm
• 9Not including cash advances, balance transfers and Scotia Credit Card cheques. Provided that you pay your balance in full by the payment due date.
• ® Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.
• SM American Express SELECTS is a Service Mark of American Express