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Scotiabank

Scotiabank American Express Card

Start with up to 10,000 Scene+ points, worth about $100.

Apply at ScotiabankCalculate my rewards
Annual fee
$0
Reward type
Scene Points
Point value
1¢

per point

Income required
$12,000

personal

Scotiabank American Express Card🆓 No-Fee Amex

Welcome bonus

New cardmembers can earn up to 10,000 Scene+ points, worth roughly $100, by completing the steps below.

How to earn it

  • 2,500 Scene+ pointsSpend $250 in eligible purchases within first 3 months
  • Additional 7,500 Scene+ pointsSpend $1,000 in eligible purchases within first 3 months

Individuals who currently hold or previously held a Scotiabank personal credit card in the past 2 years and Scotiabank employees are not eligible

Offer ends 2026-11-01.

How you earn

  • Earn 3 Scene+ points per $1 at participating Sobeys, Safeway, FreshCo, Foodland, and other eligible grocery partners
  • Earn 2 Scene+ points per $1 on dining, food delivery, entertainment, gas, transit, and select streaming services
  • Earn 1 Scene+ point per $1 on all other eligible purchases
  • Earn 1 Scene+ point per $1 on eligible travel purchases
  • Earn an additional 3 Scene+ points per $1 on hotels and car rentals booked through Scene+ Travel powered by Expedia
  • Points accumulate on everyday spending with no annual fee requirement
  • Accelerated earn rates apply only to eligible merchant category codes as defined by Scene+ program rules
  • Bonus Scene+ points available through limited-time welcome and promotional offers (varies by campaign)

Built-in perks & coverage

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.

The verdict

What we like

  • No annual fee reduces ongoing cost burden
  • Strong everyday earn rates across groceries, dining, transit, gas, and entertainment
  • Flexible Scene+ redemption options across travel, groceries, and statement credits
  • No foreign transaction fee improves international spending efficiency
  • Access to Amex Experiences and select presale/event benefits

Worth noting

  • Lower base earn rate compared to premium travel credit cards
  • Limited travel-focused perks such as lounge access or elite status benefits
  • Rewards value is dependent on Scene+ redemption ecosystem, which can vary in efficiency
  • No annual fee structure means fewer premium insurance and concierge benefits

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