Illustration, not the actual card design.
Scotiabank · Earns Scene+ points
Scotiabank American Express Card
Annual fee
None
Welcome offer
Up to 10,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $1,000 in your first 3 months.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$100
+$100 welcome bonus
+$0 yearly credits
−$0 fee
Year 2
$0
+$0 yearly credits
−$0 fee
Every year after
$0
+$0 yearly credits
−$0 fee
Plus 6 benefits with no fixed dollar value, like American Express Experiences, Amex Offers and Avis and Budget rental discount. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 9, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Nov 1, 2026. Not available if you have, or in the past 2 years had, any Scotiabank personal credit card as primary or additional cardholder, including if you switch from one. Scotiabank employees are not eligible.
- 1Spend $250 in your first 3 months2,500 pts≈ $25 est.Year 1
- 2Spend $1,000 in your first 3 months7,500 pts≈ $75 est.Year 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per Scene+ point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Sobeys | 3 pts per $ | 3¢ |
| FreshCo | 3 pts per $ | 3¢ |
| Safeway | 3 pts per $ | 3¢ |
| Dining & Restaurants | 2 pts per $ | 2¢ |
| Gas & Fuel | 2 pts per $ | 2¢ |
| Entertainment | 2 pts per $ | 2¢ |
| Transit | 2 pts per $ | 2¢ |
| Groceries | 2 pts per $ | 2¢ |
| Streaming | 2 pts per $ | 2¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks
- American Express Experiences
Presales and reserved tickets through Front Of The Line and Amex Experiences
- Amex Offers
Merchant offers you add to your card for statement credits or bonus points
- Avis and Budget rental discount
Up to 25% off base rates at participating Avis and Budget locations in Canada and the U.S.
Insurance
- Mobile Device Insurance
Phone or tablet lost, stolen, broken down or accidentally damaged, up to $500
- Purchase Protection
New items covered against theft, loss or damage for 90 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by Scotiabank. Card and program names belong to their owners.
Details last checked Oct 9, 2026.