Independent ClearFin review · Scotiabank · American Express
Start with up to 10,000 Scene+ points, worth about $100.
Current new-cardmember offer
Confirm with the issuer
🆓 No-Fee AmexIts strongest published earn rate in our data is 3.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Offer ends 2026-11-01
Individuals who currently hold or previously held a Scotiabank personal credit card in the past 2 years and Scotiabank employees are not eligible
Confirm final approval criteria and current rates directly with the issuer.
Reward limits: Accelerated earn rates apply to eligible merchant category codes (grocery, dining, gas, transit, entertainment, and streaming). These elevated earn rates are subject to issuer-defined eligibility rules rather than a strict published annual dollar cap. Once transactions fall outside eligible MCC categories, they earn at the base rate.
Earning cap
Redemption values and availability may vary by option and can change.
Redeem Scene+ points with participating grocery, entertainment, dining, and retail partners.
Use eligible Scene+ points toward travel booked through the program; redemption values and availability vary.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
Card carries a $0 annual fee, reducing fixed ownership cost and improving net rewards efficiency for low-to-moderate spenders.
Strong category earn structure
Accelerated Scene+ earning across groceries, dining, entertainment, transit, gas, and streaming services improves everyday spending return efficiency.
Travel booking flexibility
Scene+ points can be redeemed toward travel bookings through Scene+ Travel or applied against eligible travel purchases after posting.
Amex Experiences access
Cardholders gain access to American Express experiences including presales, entertainment offers, and select event access opportunities.
Car rental savings
Discounted rates at participating AVIS and Budget locations in Canada and the US when booking with the card.
Purchase protection coverage
Coverage for eligible purchases against theft, loss, or damage for a limited period, plus extended warranty protection on eligible items.
No foreign transaction fee
International purchases are charged at the network exchange rate without an additional FX markup, improving overseas spending efficiency.
Insurance coverage suite
Includes mobile device insurance, purchase security, and extended warranty protection for eligible purchases.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
3x Scene+ at Sobeys & major grocers. 2x on dining, food delivery, entertainment, gas & streaming. No annual fee.
Groceries receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and dining and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
