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3.3
/5
Scotiabank
Amex Canada
Scotiabank American Express® CardPoints Calculator
Up to 5,000 bonus Scene+ points ($50 value towards travel)
Our Take
If you're looking to earn travel rewards without an annual fee, the Scotiabank American Express® Card is a great choice. It offers flexible Scene+ points on everyday purchases, allowing you to redeem rewards for travel, entertainment, and more—all while enjoying plenty of perks at no extra cost.
Exclusive · From FinlyWealth$50 rebate
Card Details
Interest Rates
Purchase: 19.99%
Cash Advance: 22.99%
Balance Transfer: 22.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Welcome Bonus
- Earn up to 5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel). Terms and conditions apply.
Offer valid from October 31, 2025 - April 30,2026.
Annual Income
Personal: $12,000
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
3 insurance
2 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
- Mobile device insurance
- Exclusive perks
- No annual fee
- Flexible redemptions
- Instant decision. No credit impact.
Cons
- Limited insurance
- Lower acceptance
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.