Scotiabank American Express® Card
Earn up to 3X the Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases.1
Earn up to 12,000 bonus Scene+ points within your first year (that’s up to $120 towards travel).4
Is this Credit Card right for you?
Right for you if you:
- Want to obtain a convenient and secure payment method for everyday purchases, that can also help you to build your credit history if you make at least your minimum payments on time each month
- Want an interest free grace period on purchases
- Value the rewards and benefits that can be earned with this Card
- Prefer to avoid annual fees
May not be right for you if you:
- Will be carrying an outstanding balance for a long period of time or using it for debt consolidation
- Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards
Fees, rates and other information5
(including balance transfers, Scotia Credit Card Cheques and cash-like transactions)
Minimum credit limit
Each supplementary Card
Ways to earn Scene+ points
Eat in and Eat out
Earn 2 Scene+ points1 for every $1 you spend on restaurants, fast food, drinking establishments, and other eligible grocery stores. Includes popular food delivery and food subscriptions.
Watch and Cheer
Earn 2 Scene+ points1 for every $1 you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
Ride and Drive
Earn 2 Scene+ points1 for every $1 you spend on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
Listen and Stream
Earn 2 Scene+ points1 for every $1 you spend on eligible select streaming services.
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.
More valuable benefits
Book travel and redeem easily
- Use your Card and book travel through Scene+ Travel, a full-service travel agency2.
- Redeem for travel anywhere, anytime, with no travel restrictions.
Mobile device insurance
Mobile Device insurance is being added to your card. Protect your new cell phones, smartphones or tablets purchased using your card, if they get lost, stolen, accidentally damaged, or have a mechanical failure10.
Your card comes with great benefits
As a Scotiabank American Express® Cardholder, you’ll enjoy lots of flexibility – and savings.
Earn Scene+ points
New Earn and redeem Scene+ points when you shop at over 1,100 eligible grocery stores across Canada including Sobeys, Safeway, FreshCo, Foodland, and more.
Apply Scene+ Points to Travel3
With Scene+, you have the flexibility to make your own travel arrangements at any travel provider, site or operator that you choose, and then select the “Apply Points to Travel” option to redeem points to cover off your trip costs within 12 months of the date of the travel purchase.
Get ready to take off with Scene+ Travel2
With Scene+ Travel, you can earn 3 Scene+™ points per Canadian dollar (CAD$) spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank American Express Card. Points can be redeemed fully or partially, for flights, car rentals and hotels. You can access a range of flexible options when it comes to booking and redeeming for travel purchases.
Enjoy Special Offers, Access and Experiences with American Express Invites®
American Express Invites6 opens the door to great music, theatre, dining, film, fashion and shopping experiences.
Be among the first to know, and the first to go! Sign up for e-updates.
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting sceneplus.ca.
Save on car rentals
As a Scotiabank American Express Cardholder, you can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotiabank American Express Card7.
Save time at the checkout
Tap your Scotiabank American Express Card or your smartphone for quick easy payments.
Get a supplementary Card
Add an additional Supplementary Cardholder to your Scotiabank American Express Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member8.
See your travel rewards and save.
Scene+ Program Terms and Conditions
Scene+ makes every experience more rewarding.
Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.
Get the Scotiabank American Express® Card
You might also like
Scotiabank Gold American Express® Card
Earn up to 6X the Scene+ points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.
The only major bank that saves you 2.5% on foreign transaction fees.
Not sure if this is the right credit card for you?
Resources and advice
Credit card fees at a glance
Credit card interest rates
Manage your credit card
Lost or stolen credit cards
Revolving Credit Agreement (Amex/Visa Cards and Lines of Credit)
Activate your credit card online
Increase your credit limit
Order supplementary credit cards
Redeem your rewards
N/A | pdf : 791 KB
Scotiabank American Express Card - Certificate of Insurance
Effective: July 1, 2022 | pdf : 154 KB
You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made 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 locations charged and posted to the Scotiabank American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores.
Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “Account”) (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank American Express Account (the “Regular Earn Rate”).
Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable.
The Accelerated Earn Rates for the Scotiabank American Express Card applies to the first $50,000 in purchases charged to the Scotiabank American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank American Express Account.
Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia† Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details
The Scene+ Travel website and call center are owned and operated by Expedia Inc, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.
Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.
Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.
Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.
Offer Description and Conditions: The 12,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened by April 30, 2023 and is subject to the below terms and conditions. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.
12,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 7,000 bonus Scene+ points (the “7,000 Point Bonus”), you must open a new Account by April 30, 2023 and have at least $750 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 5,000 bonus Scene+ points (the “Annual 5,000 Point Bonus”), you must have at least $5,000 in eligible purchases posted to your new Account in your first year (12 months) of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.
The 7,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $750 in eligible purchases being posted to your Account within the first 3 months of Account open date, provided the Account is open and in good standing. The Annual 5,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $5,000 annual spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card.
The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions).
All rates, fees, features and benefits are subject to change.
For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.
Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions, and fees. Not all seats are available. All sales are final. No refunds. No exchanges. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.
The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.
The Primary Cardholder on the Scotiabank American Express Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105
Under all insurance coverages or services, certain limitations, restrictions and exclusions apply. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.
Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.