american express travel card customer care number

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What can we help you with today?

For fastest service, choose the number that best describes your call

Personal Accounts

Phone 

Customer Service

Already a Card Member?

Get help with your existing account.

1-800-528-4800

Hearing Impaired TTY

Relay: Dial 711 and  1-800-528-4800 24/7

Make a Payment

Pay your bill by phone. You can also make a payment  online .

1-800-472-9297

Apply for a Card

Apply for a Personal card today. You can also apply online .

1-888-297-1244

8 am - 11 pm EST, 7 days

Check Application Status

Ask about the application status of a new account.

1-877-239-3491

Mon – Fri: 8 am - 12 am EST

Sat: 10 am - 6:30 pm EST

American Express Serve

Click here to apply.

1-800-954-0559

American Express Gift Cards

1-877-297-4438

8 am - 12 am EST, 7 days

Gift or Travelers Cheques

More contacts  here .

1-800-221-7282

MyCredit Guide Customer Care

833-421-3385

Mon – Fri: 9 am - 10 pm ET (excluding holidays)

General Inquiries

American Express

P.O. Box 981535

El Paso, TX 79998-1535

Bill Payment

P.O. Box 96001

Los Angeles, CA

90096 – 8000

Bill Payment (Overnight)

Attn: Express Mail Remittance Processing

20500 Belshaw Ave

Carson, CA 90746

General Inquiries (Prepaid Products)

American Express Global Payment Options

Executive Consumer Relations

115 W. Towne Ridge Parkway

Sandy, UT 84070

Open a Savings account or manage your existing account  online .

1-800-446-6307

General Inquiries or Make a Deposit

American Express National Bank

P.O. Box 30384

Salt Lake City, Utah 84130-0384

Personal Loans

You can also apply for a loan or manage your loan account  online .

1-844-273-1384

Mon - Fri: 9 am - 8 pm EST

P.O.Box 1270 Newark,

NJ 07101-1270

Attn: Express Mail Remittance Processing 20500 Belshaw Ave

Get help with your existing Personal Checking account.

1-877-221-2639

1-888-556-2436

Mon - Fri: 9 am - 6 pm EST

Open an Account

If you already have a personal Card, you can learn more and apply online.

Salt Lake City, UT 84130

Get help with your existing American Express account.

1-800-492-3344

Pay your bill by phone. You can also make a payment online .

Apply for a Small Business Card today by phone.

1-800-519-6736

Mon - Fri: 9 am - 12 am EST

Weekends: 9 am - 6 pm EST

American Express P.O. Box 981535

Customer Service (for Card Members)

1-800-528-2122

Customer Service (for Program Administrators)

888-800-8564

8 am – 8 pm EST

Corporate Membership Rewards (for Program Administrators)

844-617-4612

Platinum Customer Service (for Card Members)

1-800-492-3932

Global Dollar Card Customer Service (for Program Administrators)

1-800-597-5500

1-888-986-8263

Mon - Fri: 8 am - 9 pm EST

Sat: 10 am - 6 pm EST

P.O. Box 570622

Atlanta, GA 30357

If you are a buyer using an accounts payable (AP) automation solution other than American Express One AP or Synaptic, please reach out to that solution directly.

American Express One AP (for US Small Business and Corporate Buyers)

1-844-358-4025

Mon - Fri: 8 am - 6 pm ET

Synaptic (for US Small Business and Corporate Buyers)

1-855-431-2430

Virtual Card Inquiries Across All Accounts Payable (AP) Automation Solutions (for US Suppliers)

1-844-264-9373

Get help with your existing Business Checking account.

1-855-497-1040

Ask about the status of a new account.

Mon - Fri: 9 am - 6 pm EST

Learn more and apply to open an account online.

Applying by phone is unavailable.

Apply Online

Business Loans

You can also manage your loan account online.

1-888-781-6972

1-800-528-5200

Mon - Fri: 8 am - 8 pm EST

Prospective and New Merchants

More info here .

1-800-445-2639

Reservations for Air, Hotel and Car Rentals

1-800-297-2977 ; outside US,  1-312-980-7807

1-800-297-5627

Mon - Fri: 9 am - 9 pm EST

Sat - Sun: 10 am - 6 pm EST

Membership Rewards

You can manage and learn more about your Membership Rewards account by phone or  online .

1-800-297-3276

Mon - Fri: 9 am - 12 am

Sat - Sun: 10 am - 6.30 pm EST

Connect With Us

>>  Connect with Amex on Facebook

>>  Tweet your questions to @AskAmex

• American Express 1307
• Customer Service

Contact American Express Customer Service

American express phone numbers and emails, toll-free number:.

• (800) 528-4800 Personal Cards

Customer Service:

• (877) 297-4438 American Express Gift Cards
• (844) 273-1384 American Express Loans
• (866) 207-7970 American Express Prepaid Card
• (877) 673-6758 Business Credit Card
• (800) 528-2122 Cardmembers Only
• (855) 531-3491 Corporate Program
• (800) 227-4669 Express Cash/cash Advance At Atms
• (800) 221-7282 Gift or Travelers Cheques
• (800) 545-1171 International Dollar Card (IDC)/ Puerto Rico/ U.S.
• (800) 297-3276 Membership Rewards
• (800) 445-2639 Merchant Service
• (800) 243-3888 Personal Cards (Apply by Phone)
• (800) 472-9297 Personal Cards (Pay Bill)
• (800) 446-6307 Personal Savings
• (800) 492-3932 Platinum (Cardmembers Only)
• (800) 954-0559 Prepaid Porducts
• (888) 800-8564 Program Administrators Only
• (800) 522-1897 TTY/TDD (in New York) Personal Cards
• (800) 221-9950 TTY/TDD Personal Cards

Business Customer Service:

• (800) 492-3344

Headquarters:

• (212) 640-2000

Investors/ Franchising:

• (800) 463-5911 Transfer Agent
• (212) 640-5574

Sales/ Reservations:

• (800) 297-5627 Cruises
• (800) 297-2977 Reservations for Air, Hotel and Card Rentals
• (312) 980-7807 Reservations for Air, Hotel and Card Rentals (Outside the US)

Technical Support:

• (866) 220-4272

American Express Emails:

How to contact american express customer service, most popular number:, how to contact american express support phone number.

The American Express Company, or Amex, is a multinational financial services corporation primarily known for a range of credit cards. In their complaints, consumers mention American Express customer service, credit card, and interest rate issues. In case you have any difficulty in using the services, you can reach out to the company for instant support via the American Express customer service number, live chat, or mobile app. Customers can call the American Express toll-free number (800) 528-4800 to get their queries answered. Depending on the nature of the issue, there is a large selection of phone numbers to choose from.

How to Contact American Express by Email?

If your problem hasn’t been resolved you can reach the American Express customer service team via email. [email protected] is suitable for most cases. To provide complete assistance and satisfaction to its customers, the American Express support team has set up a complaint department. If the offered solutions do not satisfy you, you can address your issue to the Executive Correspondence Unit. For this, you can write an email or call on the dedicated phone number.

How Do I Contact an American Express Representative?

American Express offers customer service over the phone, secure messaging in the mobile app, and online chat. The automated system is available 24/7, and the company representative can be reached on demand in exceptional cases. Be ready to wait on line for a while and stock up with patience and free time. Using a mobile application or chat, the online service will first offer you to solve your issue by yourself choosing menu prompts. It helps American Express support representatives direct you to the correct way to your solution.

Contact Information

American express website:.

• www.americanexpress.com

American Express Help Center:

• Visit contact page

Corporate Office Address:

Help in social networks:, other info (opening hours):.

Mail Addresses:

Bill Payment

American Express

P.O. Box 650448

Dallas, TX 75265-0448

Bill Payment (Overnight)

Attn: Express Mail Remittance Processing

20500 Belshaw Ave

Carson, CA 90746

Other Locations:

Avenida Patriotismo 635,

Benito Juarez, CDMX 03710, MX

Viale Alexandre Gustave Eiffel, 15,

Rome, Laz. 00148, IT

100 Feet Road,

Bengaluru, Karnataka 560047, IN

American Express Customer Service Reviews

Awful bought the cards online they dont work was on hold a total of 5 hours and hung up on twice. They are sending new cards however I have to wait 10 business...

Extremely low limits on both cards I have with them. Probably won't use them and will end up closing them both User's recommendation: I have a 812 score and...

How Good is American Express's Customer Service?

All god services with American Express. I am disappointed to have been denied for a personal loan when last September I was approved for such loan before. Will do better net 30 days and all be okay.

Not good at all this went on for a week. I had a green card from 1987 it was cancelled by me went into hospital . Tried to get card keep saying pending . The requested bank letter . I sign up for Discover approved right away .

Knowledgeable, professional. Answered all my questions and offered additional and very helpful suggestions and information.

Everything was great like always

I'm very upset about the foreign fees charges. I was overseas for two weeks and when I saw your ridiculous charges I stop using my three Amex card. Instead I used Visa, discover and MCard for most of the charges. I will never use your card overseas.

Summary of American Express Customer Service Calls

Top reasons of customers calls, consumers call the most from, why do people call american express, cards question:.

• 1d ago “Lost card”
• 1d ago “Business card”
• 2d ago “Help on card”

Payments and Charges Question:

• 3h ago “Notifications of fraud”
• 12h ago “Stop payments”
• 1d ago “Payment”

Account Question:

• 7h ago “My bank paid off my balance I should not have one”
• 3d ago “Balance inquiry”
• 5d ago “Closed account”

Request for Information Question:

• 8h ago “Representative”
• 5d ago “Question about account closing”
• 6d ago “Question about benefits.”

Activation/ Cancellation Question:

• 10h ago “Canceling card”
• 4d ago “Cancel my Amex card”
• 6d ago “Flight cancelled”

Product/ Service Question:

• 4h ago “Can't withdrawal money”
• 2d ago “My 4 digit code won't worke”
• 2d ago “Can't access older statements”

Shipping and Delivery Question:

• 21d ago “I haven't received my card in the mail.”
• 28d ago “I didn't receive my new card”
• 28d ago “Didn't receive my card”

Return/ Replace Question:

• 11d ago “Change address”
• 1M ago “Returning laptop”
• 2M ago “Return package”

Refund Question:

• 1M ago “To see if I got a refund from Princess cruises in the Amy of $500.”
• 1M ago “I need a refund”
• 2M ago “I need my money back from Lesko help”

Staff Question:

• 1M ago “Services”
• 2M ago “Customer service”
• 3M ago “Service member information”

Website/ Application Question:

• 1M ago “Application”
• 2M ago “Immediate decline of application for credit card”
• 5M ago “Applications”

Employment Question:

• 2M ago “Payoff”
• 3M ago “Pay off”
• 6M ago “Debt pay off”

Other Question:

• 3h ago “What is my credit limit?”
• 5h ago “Have a complain”
• 2d ago “Travel”

Bluebird By American Express , Plenti , American Express Travel , Membership Rewards , American Express Global Business Travel

American Express - AMEX is a diversified financial services company that was founded in 1850 by Henry Wells, William Fargo and John Butterfield. American Express specializes in credit card, charge card and traveler's check business. The tagline of the company is: "Are you a card member?" American Express provides a line of credit card products, such as One card, Discover card, Centurion card, Blue card, Red Card, Clear card, Express Pay card and Plum card that allow their customers to carry a balance, interest protection, rewards program, savings accelerator plan, damage waiver and a variety of other benefits. American Express is a truly international company that has offices all around the world.

American Express is ranked 28 out of 199 in Cards category

Compare American Express To

Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future.

India Customer Care

• American Express

American Express Toll Free No. 1800 419 2122

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To make sure your payment posts as quickly as possible, write your Capital One credit card account number on your check.

Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083

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*USPS Priority mail does not get delivered directly to a payment processing center and may not get processed next day. To assure overnight delivery and processing please use an express mail service such as Fedex, UPS, DHL, etc.

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Overnight payments: Capital One Auto Finance Attn: Payment Processing 2525 Corporate Place 2nd floor Suite #250 Monterey Park, CA 91754

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Capital One PO Box 105474 Atlanta, GA 30348-5474

Send banking deposits

Checking Accounts, Savings, Money Market and CD Accounts

Standard Mail : Capital One Bank, Attn: Bank by Mail, PO BOX 85123, Richmond VA 23285 Overnight Mail : Capital One Bank, Attn: Bank by Mail Room 1624, 4881 Cox Road, Glen Allen VA 23060

Get the Scotiabank Gold American Express ®  Card

Are you a scotiabank customer with access to online banking.

Are you new to Canada in the past three years?  Visit a branch to apply. Use our Branch Locator

Offer details

To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account by July 1, 2024.

To qualify for the 40,000 bonus Scene+ points offer:

• Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months.
• Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year. 

Once you qualify, we’ll credit your account in 2 instalments:

• 20,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $1,000 in net purchases being posted to your Scene+ membership Account in your first 3 months. 
• An additional 20,000 bonus Scene+ points will be credited to your Scene+ membership account within approximately 2-3 business days after you have met the $7,500 annual spend threshold in your first year. 

Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.

See terms and conditions below 1 for full details.

Scotia Credit Card Protection (optional)

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 20%16 of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event you are diagnosed with a covered Critical Illness17, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

Get a supplementary Card

Earn More Travel Rewards 

You will earn travel rewards on the purchases made by your Supplementary Cardholder at the same rate that you earn travel rewards on purchases made on your Card.

Comprehensive Travel and Shopping Protection 

Your Supplementary Cardholders will also enjoy the benefits of comprehensive Travel and Shopping coverage included with your Scotiabank Gold American Express Card Account

Winner of the 2021 MoneySense Best Rewards Cards (everyday use)

Winner of the 2021 Rewards Canada Top Travel Points Credit Card (annual fees)

Winner of the 2021 creditcardGenius Best Flexible Credit Card

Winner of the 2020 MoneySense Best Travel Card for everyday use

Winner of the 2022 MoneySense Best Rewards Card for everyday spending

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• Bank Your Way

New to Scotia OnLine?  Activate Now

Scotiabank Gold American Express ® Card

Earn up to  6X the Scene+ TM  points  on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases. 2  ​ The only major bank that saves you 2.5% on foreign transaction fees. 8∆

Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points . 1

Is this Credit Card right for you?

Right for you if you:

• Want to obtain a convenient and secure payment method for everyday purchases
• Interested in building your credit history by making at least your minimum payments on time each month
• Want an interest free grace period on purchases
• Value the rewards and benefits that can be earned with this Card and willing to pay an annual fee

May not be right for you if you:

• Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
• Prefer cash back rewards
• Rarely travel or make foreign currency purchase

Fees, rates & other information 7

Interest rates

Minimum credit limit

Each supplementary Card

No foreign transaction fees

You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies. 8

Your award-winning card

Winner of the 2023 MoneySense Best Rewards Card for everyday spending

Winner of the 2023 credit card Genius Best Foreign Exchange Credit Card±

Winner of the 2022 Rewards Canada Top Travel Points Credit Card (annual fees) ‡

Winner of the 2022 credit card Genius Best Foreign Exchange Credit Card ±

Ways to earn Scene+ points

Sobeys, Safeway, FreshCo, Foodland, and more

Earn  6 Scene+ points 2  on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and  more .

Eat in and Eat out

Earn  5 Scene+ points 2  for every $1 CAD you spend in Canada on Dining, Food Delivery, and other eligible grocery stores. Includes popular food delivery and food subscriptions.

Watch and Cheer

Earn  5 Scene+ points 2  for every $1 CAD you spend in Canada eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

Ride and Drive

Earn  3 Scene+ points 2  for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshare, buses, taxis, subway, and more.

Listen and Stream

Earn  3 Scene+ points 2  for every $1 CAD you spend in Canada on eligible select streaming services.

Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases

• Insurance coverage

Your card comes with great benefits

Exclusive access to special offers and events

Earn Scene+ points

New   Earn and redeem Scene+ points when you shop at over 1,100 eligible grocery stores across Canada including Sobeys, Safeway, FreshCo, Foodland, and more .

Amex Offers ®†

Make every day more rewarding with Amex Offers ®†  With offers for shopping, dining, travel, and more, there’s something for everyone. Adding offers to your card is quick, easy, and best of all, incredibly rewarding. 14

Amex Front Of the Line ®

Cardmembers can purchase Front Of The Line® presale tickets to some of the most in-demand concerts, theatre productions, restaurants, and special events before the general public.

Cardmembers can also purchase Front Of The Line® Reserved tickets from a block of seats reserved exclusively for American Express during the public on-sale period for many major events. 9

American Express Invites ®

Enjoy a variety of special offers and events created just for you. From advance screenings of blockbuster movies, to weekend getaway packages and special online and in-store shopping deals, it’s never been easier to have an experience you’ll never forget. 9

Book and redeem easily

Book and redeem any flight for any time through Scene+ Travel 3 , a full-service travel agency 4 . 

Complimentary concierge services

Whether you need help booking your restaurant reservations or scoring tickets for a show, our concierge service is happy to assist you 24/7 . 5

Airport lounge access

Be confident that you’ll have a place to relax or catch up on business. Enjoy a preferred discount on the Priority Pass™ membership and access over 1200 VIP lounges around the world as a Scotiabank Gold American Express® Cardholder. 6

Save time at the checkout

Tap your Scotiabank Gold American Express® Card on your smartphone for quick easy payments. 12

Apple Pay  – The easy, secure, and private way to pay with your eligible Scotiabank credit cards. 12

Get an additional Card for a friend or family member by adding them as a supplementary cardholder to your Scotiabank Gold American Express® Card account. 13

See your rewards and save.

Scene+ Program  Terms and Conditions

Insurance coverage available with your Card

Take advantage of all the ways a Scotiabank Gold American Express Card adds to your life.

Travel Emergency Medical Insurance 10

Coverage is provided for eligible persons under age 65 for up to 25 consecutive days, and for eligible persons age 65 and older for up to 3 consecutive days.

As a Scotiabank Gold American Express cardmember (cardmember includes the primary cardmember and any supplemental cardmember), you, your spouse and your dependent children are each eligible for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.

Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies.

The date of departure is counted as the first day.

This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under age 65 and are travelling for more than 25 days or if you are age 65 and older and travelling for more than 3 days, you may choose to purchase additional days from the insurer prior to your departure date by calling 1-877-222-7342. You will receive a separate Certificate of Insurance if you choose to purchase this coverage.

Certificate of Insurance

Trip Cancellation/Trip Interruption Insurance 10

Protect your travel investment with trip cancellation and trip interruption insurance at no extra cost when you charge at least 75% of your trip costs to your Card.

You, your spouse and your dependent children are eligible for up to $1,500 per person for travel expenses (maximum $10,000 per trip) when you charge at least 75% of such trip expenses to your Scotiabank Gold American Express Card and are forced to cancel or interrupt your trip for medical or non-medical causes. Coverage provides reimbursement of non-refundable eligible trip costs and additional charges for ticketing changes. 

Flight Delay Insurance 10

Charge at least 75% of the full ticket cost to your Scotiabank Gold American Express® Card and you’ll be eligible for reimbursement of necessary expenses, such as hotel accommodations, meals, and other emergency items.

You may be reimbursed for eligible necessary and reasonable living expenses incurred during the period of a delayed flight or missed connection which lasts four hours or more to a limit of $500 per insured person on the same trip.

Delayed and Lost Baggage Insurance 10

Charge the full cost of your airplane, train, bus, or cruise ship tickets to your Card. If your checked luggage is delayed or lost, you’re covered.

When you purchase common carrier tickets with your Scotiabank Gold American Express® Card, you are eligible for coverage against the loss or the delay of your checked luggage. The lost luggage benefit is limited to the lesser of the value of the covered luggage or the actual replacement cost of the lost or stolen covered luggage, to a combined maximum of $1,000.

The delayed luggage benefit is limited to $1,000 for all insured persons on the same trip for the cost of replacing eligible essential items if your checked luggage is not delivered within four (4) hours from your time of arrival at your final destination.

Travel Accident Insurance 10

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $500,000 (to a maximum of $1,000,000 per occurrence). Coverage is in place while occupying a common carrier for which you have charged at least 75% of the ticket cost to your Scotiabank Gold American Express® Card, and which is licensed to carry passengers such as airplanes, cruise ships, trains or buses.

Rental Car Collision Loss/Damage Insurance 10

Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

You are automatically covered by Collision Loss/Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your Scotiabank Gold American Express® Card to pay for the entire cost of the rental. If your rental car is damaged or stolen you are covered for the amount that you are liable to the Rental Agency up to the actual cash value of the vehicle. Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Hotel/Motel Burglary Insurance 10

Use your Card to pay for your stay at any hotel or motel in Canada or the U.S.

When you check into any hotel or motel in Canada or the U.S., and charge your stay to your Scotiabank Gold American Express® Card, you and your spouse and dependent children travelling with you will be eligible for coverage against theft of your covered personal property if your room is broken into. Should your claim exceed the amount reimbursable by the hotel, and/or any applicable insurance protection, your coverage picks up the balance, up to a maximum of $1,000.

New Mobile Device Insurance 10

You may have Mobile Device Insurance for new cell phones, smartphones, or tablets purchased on or after October 1, 2022, when you charge the full cost of your new mobile device to your Card, or charge all of your wireless bill payments for such device to your Card when you fund such purchase through a plan.

You may be covered for up to $1,000 in the event your cell phone, smartphone, or tablet is lost, stolen, accidentally damaged, or experiences mechanical failure.

Purchase Security & Extended Warranty Protection 10

Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank Gold American Express® Card.

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.

For claim forms and answers to Frequently Asked Questions visit our  partner's site .

Scotia Credit Card Protection (optional) 11

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

• Life Benefit
• Critical Illness Benefit  
• Hospitalization Benefit

Comprehensive Protection

• Critical Illness Benefit
• Disability Benefit
• Job Loss Benefit
• Strike or Lockout Benefit

Pay no foreign transaction fees

Check out how your card saves you 2.5% on all your foreign currency purchases. 8

Save 2.5% on all your foreign currency purchases. 8

Watch the video to see how it works.

Get the Scotiabank Gold American Express® Card

Scene+ makes every experience more rewarding.

Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.

A bank account that does more, means you will too. 

Receive an annual fee waiver on select credit cards by signing up for a Preferred Package or Ultimate Package.

Not sure if this is the right credit card for you?

Manage your credit card.

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* Savings and reward potential in first 12 months based on the following card usage and offers:

  $400 in travel rewards (40,000 bonus Scene+ points) when you spend $1,000 within your first 3 months (to earn 20,000 points) and when you spend $7,500 within your first 12 months (to earn an additional 20,000 points); 

    $33 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers);

    $247 in travel rewards (24,709 Scene+ points) on everyday purchases based on average annual first year spend on the Account with an average spend of 21% in 5x accelerator and 7% in 3X accelerator categories.

Potential First Year Value = up to $680

Actual savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions:  The 40,000 Bonus Scene+ Points  Offer (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened by July 1, 2024 and is subject to the conditions below. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers. 

40,000 Bonus Scene+ Point Offer Description and Conditions:  To be eligible for 20,000 bonus Scene+ points (the “20,000 Point Bonus”), you must open a new Account by July 1, 2024 and have at least $1,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Annual 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in your first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $1,000 in eligible purchases being posted to your Account within the first 3 months of Account open date, provided the Account is open and in good standing. The Annual 20,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $7,500 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period.

Eligibility and Exclusions : Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees:   The current annual fee is $120 for the primary card and $29 for each additional card  (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are  outlined in the Application Disclosure Statement and are subject to change.ge.

You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores . 

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”). 

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change.  The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases:   Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel  regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase:   Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here .

Concierge Services are provided by a duly licensed third-party premium concierge provider (currently Ten Lifestyle Management Limited ("Ten" or "Ten Group")) and are subject to Terms & Conditions and Privacy Statement of that provider. Provider is subject to change by The Bank of Nova Scotia ("Scotiabank"). Scotiabank is not responsible for the Concierge Services, including the delivery of, or for any failure to deliver, any such services. By using the Concierge Services you must consent and agree to Ten Group's Terms & Conditions and Privacy Statement that apply. 

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  prioritypass.com/Conditions-of-use

For current rates and information on fees and interest fees, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about  credit card fees  and  interest rates .

We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

Purchase must be charged in full to an American Express® Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law. Any dispute related to an offer must be directed to the participating merchant. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express® and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see  support.apple.com/km207105 .

The Primary Cardholder on the Scotiabank Gold American Express® Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

Select offers are brought to you by American Express. The Bank of Nova Scotia is not responsible for the offers, or any third party services, provided under the Amex Offers program. American Express reserves the right to vary any eligibility criteria or the Terms prior to you registering for the offer. If you do not agree with the Terms, you must not participate in the offer.

Compared to other consumer credit cards publicly offered by Canadian Schedule 1 banks as of March 3, 2023.

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.