Scotiabank Gold Mastercard®

Cash Back Rewards Terms & Conditions

Your card comes with benefits

Earn cash back

Earn cash-back rewards. Up to 4% rebate on purchases in the form of a credit issued once a year in November.

Peace of mind

Peace of mind with emergency services available through Mastercard® Global Service.

Purchase Protection

Up to US$200 for Purchase Protection per occurrence provides reimbursement for theft and /or accidental damage of purchase of the covered item.

Get additional cards

Get additional Scotiabank credit cards for family members and friends. Share the flexibility and convenience of Mastercard® credit with your loved ones. Read more.

Credit Protection

Protect your loved ones with Scotiabank Credit Protection, optional insurance that can cover the outstanding balance of your credit card in the case of death or diagnosis of a covered critical illness. Read more.

Earn more with 4% cash back.

Learn more

Apply today and get a Welcome Bonus.

Get the most cash back ever on all your everyday purchases with a Scotiabank Gold Mastercard®.

Earn 4% cash back at grocery stores & gas stations, 2% at pharmacies and 1% everywhere else.*

At a glance

Up to

4% cash back rewards on purchases

TTD Annual Fee


Up to 

US$200 per occurrence Purchase Protection

Security in mind

Every transaction you make using a Scotiabank card with chip and your unique 4-digit Personal Identification Number (PIN) gives you an added layer of security. That means greater protection each and every time.

Find the card that's right for you

Compare cards with our Mastercard® Benefits Comparison Chart

*Terms, conditions and exclusions apply. 

*Benefits offered by Mastercard®, for details please contact Mastercard® LAC Services Help Desk 24 hours a day, 365 days a year at 1-904-636-2576 (or

Additional Cards

You can order additional cards at any time.

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