Pros
- ✓Welcome Bonus: 5,000 points
- ✓Purchase protection included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
Scotiabank American Express® Card is one of the best no-annual-fee credit cards in Canada.
For a limited time, you can earn up to 5,000 points in the first three months, which represents a $50 value for travel (including Airbnb) :
- 2,500 Scene+ points after $250 spent in the first three months
- 2,500 Scene+ points after $1000 spent in the first three months
With Scotiabank American Express® Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you get 2 points per dollar for:
- Grocery stores
- Restaurants
- Entertainment centers
- Gas stations
- local transportation
- streaming services
And 1 point per dollar of purchase for all other purchases.
These points can be used against any travel purchase (air tickets, hotels, all-inclusives and even Airbnb) or with Scene+ partners for cash back.
Offer ends: 2026-04-30
Rewards
All Spending
1x
Scene+ pts per dollar
Groceries
2x
Entertainment
2x
Restaurants
2x
Gas
2x
Transit
2x
Streaming
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
43,200
Scene+/yr
Estimated Value
$432
After Fees
+$432
1st Year Value
$482
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $500
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$12,000
Household Income
$12,000
Terms & Conditions
Card Features
- Earn up to 5,000 bonus Scene+ points within your first three months (that’s up to $50 towards travel)
- Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
- 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 spendon 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.
- Mobile Device Insurance coverage
- American Express Invites®
FAQ
What are the annual fees for Scotiabank American Express® Card?
The card has no annual fee.
What are the interest rates on Scotiabank American Express® Card?
The interest rate is 19.99% for purchases and 22.99% for cash advances.
How does Scene+ points work with Scotiabank American Express® Card?
Get up to 3x Scene+ points for every $1 spent at grocery stores, restaurants and entertainment venues.
What additional benefits does Scotiabank American Express® Card offer?
It offers insurance for mobile devices and makes it easy to book trips and redeem points via the Scene+ Travel service.
Does Scotiabank American Express® Card offer travel benefits?
Yes, it offers flexible options for booking trips and using Scene+ points.
What are the preferred purchase categories for accumulating Scene+ points with Scotiabank American Express® Card?
Preferred purchases include groceries, restaurants, entertainment, gas and transit expenses, and some streaming services.
How can Scene+ points be used with Scotiabank American Express® Card?
Points can be redeemed for travel, entertainment and other rewards through the Scene+ program.
Legal
*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Scotia. All trademarks are property of their respective owners.