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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
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
660Good
725Very Good
760Excellent
Card Type
Credit
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.