Highlights
- No annual fee
- Earns elevated rewards on selected grocery and dining purchases
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%: Groceries at Sobeys, Safeway, FreshCo, Foodland, and other participating 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
You may have Mobile Device Insurance for new cell phones, smartphones, or tablets purchased on or after July 1, 2022, when you charge the full cost of your new mobile device to your Card, or charge all of your wireless bill payments for such device to your Card when you fund such purchase through a plan.
You may be covered for up to $500 in the event your cell phone, smartphone, or tablet is lost, stolen, accidentally damaged, or experiences mechanical failure.
- Purchase security & extended warranty protection
Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.
Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank American Express Card.
Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.
When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.
Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase.
