Travel Rewards
No Annual Fee
Rewards
Scotiabank® American Express® Card
Scotiabank®
Earn up to $100 toward travel with 10,000 bonus Scene+ points.*
Welcome Bonus:
Earn up to 10,000 bonus Scene+ points within your first 3 months—up to $100 toward travel.*
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$50 cash rebate
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Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
Bonus Value
$100
RateBuddy Verdict
RateBuddy Take
The Scotiabank American Express Card brings strong Scene+ earning and useful everyday benefits together without an annual fee. Cardholders can earn accelerated points across participating grocery partners, dining, entertainment, gas, transit and streaming, plus up to 4 points per $1 on eligible Scene+ Travel bookings. The welcome offer, Amex Experiences, partner savings and built-in mobile-device and purchase coverage make this a well-rounded entry into the Scene+ program.
The Good
- Pay no annual fee for primary or supplementary cards and earn Scene+ points on every eligible purchase.
- Earn 3 Scene+ points per $1 at participating grocery partners, 2 points across several popular everyday categories, and up to 4 points on eligible Scene+ Travel hotel and car-rental bookings.
- Includes up to $500 in Mobile Device Insurance, Purchase Security, Extended Warranty Protection, Amex Experiences, Shell fuel value and Avis and Budget savings.
The Trade-offs
- Purchases outside the accelerated categories earn 1 Scene+ point per $1.
- Scene+ redemption values vary, and some redemption options require a minimum number of points.
- The standard interest rates are 21.99% on purchases and 22.99% on cash advances, so the card is better suited to cardholders who do not carry a long-term balance.
Rewards & Earnings
Base Rate
—
Rewards Summary:
Earn Scene+ points on every eligible purchase, including up to 4 points per $1 on eligible hotels and car rentals booked through Scene+ Travel, 3 points per $1 at participating Scene+ grocery partners, 2 points per $1 on eligible dining, food delivery, food subscriptions, other groceries, entertainment, gas, transit and streaming services, and 1 point per $1 on other eligible purchases. Redeem points for travel, groceries, entertainment, eligible account credits and more.
Welcome Bonus Details
Earn up to 10,000 bonus Scene+ points within your first three months. That is up to $100 in value when redeemed toward eligible travel. Eligibility restrictions and conditions apply.*
Estimated Value: $100
Features & Benefits
No Annual Fee
Mobile Device Insurance
Value: 500
Extended Warranty Insurance
Value: 1
Purchase Security Insurance
Value: 90
Special Event Access (e.g., Front Of The Line)
Additional Perks
Enjoy no annual fee for primary and supplementary cards, get up to 11¢/L in value at participating Shell Canada stations, access Amex Experiences and exclusive Amex Offers, save up to 25% on eligible Avis and Budget base rates, and access Scotia SelectPay for eligible purchases. Conditions apply.
Insurance Coverage
Built-in coverage includes up to $500 in Mobile Device Insurance, 90-day Purchase Security and Extended Warranty Protection for up to one additional year. Optional Scotia Credit Card Protection is available separately. Eligibility, limits and coverage conditions apply.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required |
Personal: $12,000 |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
No Annual Fee
Rewards
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