🇨🇦 Scotiabank Amex Card | $100 + $50 Welcome Offer

Highlights

• No annual fee
• Earns elevated rewards on selected grocery and dining purchases

Who it’s for: This no-fee card suits people who regularly spend on groceries, dining, entertainment, or transportation and can use the Amex merchant network. Its main value comes from Scene+ points and basic device and purchase insurance; if Amex acceptance gets in the way or you care more about travel insurance, its advantages are limited.

Issuer: Scotiabank
Payment network: Amex
Card type: Credit card
Annual fee: $0

The card earns Scene+ points, which work like cash at a fixed rate of 100 points = $1.

Welcome Offer

【May 2026 update】 Apply before November 1, 2026, to earn 10,000 points plus an additional $50 cash bonus:

• Spend $250 in the first three months to earn 2,500 points.
• Spend $1,000 in the first three months to earn another 7,500 points.

Apply through the blog’s cash-back partner to receive an additional $50 bonus: Apply for the extra cash back🔗

Previous welcome offers

Apply before October 31, 2025: 7,500 points plus an additional $50 cash-back bonus

• Spend $250 in the first three months to earn 2,500 points.
• Spend $1,000 in the first three months to earn another 5,000 points.

Apply before October 31, 2024: 5,000 points

Everyday Spending

3%: Grocery purchases at Sobeys, Safeway, FreshCo, Foodland, and other eligible stores

2%: Dining and other grocery stores

2%: Entertainment, including movies, theatre, and tickets

2%: Transportation, including taxis, buses, and subways

2%: Streaming services

1%: Everything else

Benefits & Insurance

• Mobile Device Insurance

New cell phones, smartphones, or tablets purchased on or after July 1, 2022, may qualify when you either charge the full device cost to this Card or, when buying through an instalment plan, charge all wireless bill payments for the device to this Card.

Loss, theft, accidental damage, or mechanical failure may be covered up to $500.

Purchase insurance

• Purchase Security

Most items purchased worldwide are covered for theft, loss, or damage for 90 days from the purchase date when the full cost is charged to the Scotiabank American Express Card. The lesser of the repair cost, replacement cost, or original purchase price applies, and the coverage is secondary to other insurance.

• Extended Warranty Protection

When the full cost of most items is charged to the Card, the manufacturer’s warranty can be doubled, with the additional period capped at one year. The benefit is limited to the lesser of the repair cost, replacement cost, or original purchase price. Items with a manufacturer’s warranty of five years or more must be registered within the first year after purchase.