No Annual Fee
Student
Rewards
Scotiabank American Express Card for Students
Scotiabank
Current Welcome Offer
Earn up to 5,000 bonus Scene+ points within your first 3 months.
Annual Fee
$0
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$50
RateBuddy Verdict
The Good
- Offers fantastic earning rates (up to 3x points on groceries and 2x on dining/transit) for a student card with absolutely no annual fee.
- Uniquely includes up to $500 in Mobile Device Insurance, providing excellent protection for your smartphone or tablet while on campus.
- Grants students access to exclusive Amex Experiences and Front Of The Line presale concert tickets.
The Trade-offs
- Requires a minimum credit limit of $1,000 and a $12,000 personal income, which is a higher barrier to entry than most standard $500-limit student cards.
- American Express is not as universally accepted at smaller campus merchants as Visa or Mastercard.
- If you have a steady income that significantly exceeds the $12,000 minimum, you may qualify for standard credit cards that offer even more benefits.
Rewards & Earnings
Groceries 3.00%
Dining & Takeout 2.00%
Gas & Transit 2.00%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: Sobeys/Safeway/FreshCo/Foodland: 3 pts per $1; Dining, Entertainment, Gas, Transit & Streaming: 2 pts per $1; Travel: 1 pt per $1 (Extra 3 pts via Scene+ Travel); Base Earn: 1 pt per $1.
- Sobeys, Safeway, FreshCo, Foodland, and more: 3 Scene+ pts/$1
- Dining, food delivery, food subscriptions, and other grocery stores: 2 Scene+ pts/$1
- Entertainment (movies, theatre, and ticket agencies): 2 Scene+ pts/$1
- Gas and daily transit (rideshare, buses, taxis, subway): 2 Scene+ pts/$1
- Eligible streaming services: 2 Scene+ pts/$1
- Eligible travel purchases: 1 Scene+ pt/$1 (Extra 3 pts via Scene+ Travel)
- All other eligible everyday purchases: 1 Scene+ pt/$1
Welcome Bonus Details
Earn up to 5,000 bonus Scene+ points within your first 3 months. That’s up to $50 in value that you can redeem towards travel.
Estimated Value: $50.00
Features & Benefits
No Annual Fee
No annual fee
Mobile Device Insurance
Up to $500 coverage for lost, stolen, or damaged devices
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Special Event Access (e.g., Front Of The Line)
Front Of The Line presales and reserved seats
Additional Perks
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Insurance Coverage
Mobile Device: Up to $500; Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include embedded Travel, Medical, or Car Rental insurance benefits.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required |
Personal: $12,000 |