Working hard in the background...
Working hard in the background...

Scotiabank American Express® Card
$50

Scotia Amex
Credit Card · Apply through Finly
Cash back
$50

Finly rebate
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Paid via INTERAC e-Transfer
Secure & private
$1,236,000+ paid out to Canadians
Read before you apply
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
The card
Issued by Scotiabank. Apply through Finly to earn an extra cash rebate on top of every reward this card offers.
How to earn the welcome bonus
Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).1
Offer valid from May 1, 2026 – November 1, 2026
Earns rewards on
1x - 3x
Fees & rates
Annual fee
Purchase interest
Cash advance interest
Foreign transaction
Additional cards
Min personal income
Credit recommended
Built-in perks & coverage
American Express® Experiences
Gas Discount
Car Rental Discount
Mobile Device Insurance
Purchase Protection
Extended Warranty
Ready when you are
$50 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
FAQ
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
1. Offer Description and Conditions: The 10,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026(regardless of the date you apply for the Account) and is subject to the below terms and conditions.
To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 7,500 bonus Scene+ points (the “Additional 7,500 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
Point Bonus Fulfilment The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 2,500 Point Bonus and Additional 7,500 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $250 or $1,000) in the appropriate time frame (i.e., first 3 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 2,500 Point Bonus or the Additional 7,500 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
Eligibility and Exclusions: 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 the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders).
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.
2.Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 4 cents per litre in Scene+ points value with a Scotiabank American Express Card linked to a Shell Go+ Account:
Note: Highest value of 11 cents per litre assumes a Premium Fuel Purchase made with a Scotiabank American Express Card linked to a Shell Go+ Account. Actual value will vary depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.
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.
Rewards rate
1x - 3x
Earn rate on purchases
Welcome bonus
Earn up to 10,000 bonus Scene+ points within your first 3 months (that’s up to $100 towards travel).
Worth ~$100
Finly rating
3.3 / 5
Editor's score