Scotiabank · Amex
Scotiabank American Express Card
Cash back · Travel points, earns Scene+ points
Welcome offer
Not verified yetUp to 10,000 Scene+ points
Earn 2,500 points when you spend $250 within 3 months, plus 7,500 points when you reach $1,000 within 3 months.
- Minimum spend
- $1,000 in 3 months
- Apply by
- November 1, 2026
The apply-by date on the issuer's site (November 1, 2026) has passed. This is what I saw on October 11, 2026, and it needs to be checked again.
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- No annual fee
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $12,000 or Household $12,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 2× Scene+ | about 2% |
| Dining and delivery | 2× Scene+ | about 2% |
| Gas and EV charging | 2× Scene+ | about 2% |
| Recurring bills | 1× Scene+ | about 1% |
| Transit | 2× Scene+ | about 2% |
| Drugstores | 1× Scene+ | about 1% |
| Travel | 1× Scene+ | about 1% |
| Entertainment | 2× Scene+ | about 2% |
| Phone and internet | 1× Scene+ | about 1% |
| Streaming | 2× Scene+ | about 2% |
| Online shopping | 1× Scene+ | about 1% |
| Convenience stores | 1× Scene+ | about 1% |
| Office supplies | 1× Scene+ | about 1% |
| Other spending | 1× Scene+ | about 1% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Included insurance
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $500, 1 year
Coverage amounts and number of days are as stated in the certificate of insurance.