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Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: $12,000
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
- The 7,500 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened between May 1, 2025 and October 31, 2025 and is subject to the below terms and conditions.
- Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. Plus, another 5,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months of Account open date. Terms Apply.
Finly Rating
3.3/5
Institution
Scotiabank
How You Earn Rewards
- Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more
- Earn 2x Scene+ points for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 2x Scene+ points for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
- Earn 2x Scene+ points for every $1 you spend on eligible select streaming services
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Mobile Device Insurance
$500
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
American Express® Experiences
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- Strong Rewards: Earn flexible Scene+ points on all everyday purchases.
- Mobile Device Insurance: Comes with coverage for your mobile devices.
- Exclusive Perks: Access special offers, experiences, and more through American Express Invites.
- No Annual Fee: Enjoy all these benefits without paying an annual fee.
Cons
- Limited Insurance Coverage: Insurance is confined to mobile devices and purchase security & extended warranty protection.
- Lower Acceptance: Due to being an American Express network card, less merchants may accept it.
Legal
See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.