Offers
Welcome Bonus
Eligible new applicants for the Scotiabank American Express Card can receive a welcome bonus of up to 7,500 Scene+ points:
- Earn 2,500 Scene+ points upon spending $250 in the first 3 months
- Earn 5,000 Scene+ points upon spending $1,000 in the first 3 months
FlyerFunds Rebate
Plus, if you apply for the Scotiabank American Express Card through Frugal Flyer and are approved, you can receive an additional $60 paid directly to you.
Earning Scene+ Points
The Scotiabank American Express card earns Scene+ points for all purchases made on the card:
- Up to 4 Scene+ points for every dollar spent on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia.
- 3 Scene+ points for every 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.
- 2 Scene+ points for every dollar spent on grocery, dining, entertainment, gas, daily transit, and select streaming purchases.
- 1 Scene+ point for every dollar spent on all other everyday purchases.
Redeeming Scene+ Points
Scene+ points can be redeemed for maximum value when applied against any travel purchase made on your card at the rate of 1 cent per point. Eligible travel purchases cover a wide range of categories, including hotel accommodations, flight bookings, and rental cars.
Scene+ points can also be redeemed for shopping and dining purchases at participating retailers (including grocery and liquor purchases), entertainment purchases, movie tickets, a statement credit, and more. Some of these options present decent value, but you should never redeem Scene+ points for any value less than 1 cent per point.
Benefits
American Express Offers
As this card is part of the American Express network, Scotiabank Gold American Express cardholders are also eligible to access American Express offers. These offers can result in money saved at retailers, restaurants, travel, and more. In order to be eligible, cardholders will need to register for the offer they are interested in. Cardholders can view the current available offers here.
Fees & Eligibility
| Personal Income | $12,000 |
| Household Income | $12,000 |
| Annual Fee | $0.00 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 19.99% |
| Cash Advance Rate | 22.99% |
| Balance Transfer Rate | 22.99% |
Insurance Coverage
The Scotiabank American Express credit card offers three types of insurance coverage:
- Mobile device insurance: $500 coverage for theft, loss, or accidental damage to your mobile device
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase (Maximum lifetime limit of $60,000)
- Extended warranty protection: Extend the manufacturer’s original warranty up to one additional year
Refer to the Scotiabank American Express card certificate of insurance for additional details, including terms and conditions for eligibility.
Top Scotiabank Cards
| Credit Card | ||
|---|---|---|
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80,000 Scene+ and $200 FlyerFunds Estimated value: $1,000 Ends Oct 31, 2025 |
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80,000 Scene+ and $200 FlyerFunds Estimated value: $1,000 Ends Oct 31, 2025 |
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50,000 Scene+ and $150 FlyerFunds Estimated value: $650 Ends Oct 31, 2025 |
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45,000 Scene+ and $100 FlyerFunds Estimated value: $550 Ends Oct 31, 2025 |
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200 cash back and $100 FlyerFunds Estimated value: $300 Ends Oct 31, 2025 |
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*See Card Provider’s website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Rates, fees and other information are effective as of July 2, 2025.
Disclaimer: these responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.