🇨🇦 Scotiabank Gold Amex 【境外消费也有 5x, 3x】

【2024.09.09 更新】综合英文博客分享 DP， 此卡虽强调吃饭、买菜的 5x 积分仅限加元消费，但在国际旅行时境外消费，依然可以在吃饭拿到 5x，交通 3x。 加上它没有外汇转换费（境外手续费）， 此卡荣升为国际旅行 Top 选择！唯一不足就是结算通道是 Amex，在境外不是那么普及。

🇨🇦 加拿大无外汇转换费 No FX Fee 信用卡

亮点简述

• 年费低；保险齐全

• 无境外手续费、货转费

• 每年前 5 万 有 6X、5X 积分

发卡银行：Scotiabank
结算通道：Amex
卡片种类： 信用卡
年费：$120; 副卡：$29

无境外手续费、货转费

此卡累积的是 Scene+ 积分, 这个积分 100 points = $1

开卡奖励

【2024.07.01 更新】2024.10.31 之前申请，开卡奖励 4.5 万积分 + 免第一年年费：

• 前三个月消费 $1000, 得 2.5 万分
• 第一年消费 $7500, 得 2 万分

申请链接

⚠️ 在过去两年，有任意 Scotia 个人信用卡，不论主卡、副卡，还是其他转卡，都拿不到开卡奖励； Scotia 银行员工也拿不到开卡奖励

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.

过往开卡奖励

日常消费

高倍积分仅限 加拿大境内 （官网虽这么说，但实测境外消费也可以拿到高倍积分）; 每年有 5 万上限

6X：买菜， 包括以下店铺

5X：吃饭（堂食、外卖、送餐）， 其他买菜店

5X：娱乐 （movies, theatre, and ticket agencies）

3X：出行（gas and daily transit options. Includes rideshare, buses, taxis, subway, and more）

3X：流媒体

1X：其他

福利 & 保险

• 无境外手续费、货转费

• 可以注册 Amex Offer

• Amex Front of the Line 买票便利

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.

• Travel Emergency Medical Insurance

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.

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.

• Trip Cancellation/Trip Interruption Insurance

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

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 when you charge at least 75% of the full ticket.

• Delayed and Lost Baggage Insurance

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

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

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

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

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

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.

关键词： 加拿大信用卡， SB Amex Gold, 加拿大无货币转换费信用卡，加拿大无境外手续费信用卡

延伸阅读

🇨🇦 加拿大无外汇转换费 No FX Fee 信用卡