American Express® Card
Earn 1 Scotia Rewards® point for every $1 you spend on everyday purchases2
Book and redeem for travel anywhere, anytime, with no travel restrictions3 4
No Annual Fee
Great reasons to get this card for your everyday purchases
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, a full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions
Access to special offers, merchandise, rewards and more
Peace of mind for every trip
Travel without worry with our travel insurance package
Scotiabank Rewards Program Terms and Conditions
Fees, rates and other information5
0.0 each Supplementary Card
19.99 / 22.99
19.99 on purchases. 22.99 on cash advances, balance transfers and Scotia Credit Card Cheques
Your card comes with great benefits
As a Scotiabank American Express Cardholder, you’ll enjoy lots of flexibility – and savings.
Enjoy Special Offers, Access and Experiences with American Express Invites®
American Express Invites7 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.
Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.
Beyond Travel Rewards
Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards.
Scotia Rewards & SCENE® Points Conversion15
You can convert your Scotia Rewards points to SCENE or your SCENE points to Scotia Rewards points instantly, anytime you want. Remember that you must have a SCENE account to convert Scotia Rewards points to SCENE points and please review the rate conversions.
Visit scotiarewards.com and see the Conversion Program terms and conditions for more details.
Save on Car Rentals
As a Scotiabank American Express Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank American Express card.
Travel with 4 types of coverage
While you’re away you have travel protection.
Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.
For claim forms and answers to Frequently Asked Questions visit our partner's site.
Shop with added coverage
Added coverage means you can shop with confidence anywhere around the world.
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.
Enjoy all the benefits
You also have all the advantages that come with being an American Express Cardholder.
Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.
Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the 5,000 bonus Scotia Rewards points offer (the “Offer”). Subject to the above exclusions, Scotiabank small business credit cardholders are eligible for the Offer.
Offer Description: To be eligible for the 5,000 bonus Scotia Rewards points offer (this “Offer”), you must have at least $500 in eligible purchases posted to your Scotiabank credit card account (“Account”) in the first 3 months from the 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, Scotia® Credit Card Cheques or cash-like transactions), interest, fees or other charges. The bonus points will appear as an adjustment on your Account statement within 2 statement cycles after the third billing cycle has passed provided the Account is open and in good standing at time of payout. he Account is considered in good standing if it is not delinquent (past due) or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Offer applies to a new Account only opened by March 1, 2020.
Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional supplementary card. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.
You will earn 1 point per $1 on eligible purchases. Points are not awarded for Cash Advances (including Balance Transfers, Scotia®* Credit Card Cheques and Cash-Like Transactions), Scotia Rewards Dollars, returns, refunds or other similar credits, payments, fees, interest charges or service transaction charges. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.
Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd party travel agent HRG (Hogg Robinson Group)
You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions”. Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582. The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers- 4511; airports, flying fields, and airport terminals-4582; lodgings, hotels, motels and resorts- 7011; trailer parks and campgrounds–7033; passenger railways- 4112; bus lines- 4131; steamship and cruise lines- 4411; travel agencies and tour operators– 4722; automobile rental agency- 7512; motor home and recreational vehicle rentals -7519. These Merchant codes/identifiers and categories are subject to change. The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums. You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards Points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing. The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account. The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.
Best available price guarantee on airfares is provided by HRG and is only available within 24 hours of time of booking. All offers are based on availability. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Offer cannot be combined with other offers, promotions, discounts, or programs, and may not be redeemed for cash. Complete terms and conditions are available at scotiarewards.com. The Bank of Nova Scotia is not responsible for the best available price guarantee.
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.
Travel Advantage is supplied by a third party (currently Hogg Robinson Canada Inc. (HRG) and subject to change).
Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Price Protection Service is a service provided by ABIC. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.
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
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.
Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada. All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.
20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.
Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.
Scotia Rewards points can be converted into SCENE points and SCENE points can be converted into Scotia Rewards points. To do so, you must have a Scotiabank card account that earns Scotia Rewards points (the “Scotiabank Program Card Account”) and is in good standing, and a valid SCENE membership card. You must convert a minimum of 1,000 points per conversion. You can convert points up to a maximum of 4 times within a 24 hour period. Conversions cannot be reversed or cancelled once completed. These conversions are subject to the terms of your Points Conversion Terms and Conditions. See the Points Conversion Terms and Conditions on scotiarewards.com for full details.
Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.
Used under license from American Express.