Scotiabank American Express®  Card (for students)

Earn up to 3X the Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases.1

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Is this credit card right for you?
SPECIAL OFFER

Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).4

Fees, rates & other information5

Annual fee
$0

Minimum credit limit
$1,000

Purchase interest rate
19.99%

Cash advance rate
22.99%

Including balance transfers, Scotia Credit Card Cheques and cash-like transactions

Supplementary cards
$0/year 

Your card comes with great benefits

As a Scotiabank American Express® Cardholder, you’ll enjoy lots of flexibility – and savings.

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.

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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.

Ways to earn Scene+™ points

NEW
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3X Sobeys, Safeway, FreshCo, Foodland, and more

Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.

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2X 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.

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2X Watch and Cheer

Earn 2 Scene+ points1 for every $1 you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

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2X 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.

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2X 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.

See your travel rewards and save.

Scene+ Program Terms and Conditions

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.

New Mobile device insurance

New 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.

Scotia SelectPayTM

A flexible way to pay off your eligible Scotiabank credit card purchases of $100 or more, with low interest rates on your plan and no installment plan fee.§

Choose the right credit option for you

Tell us about your spending and borrowing needs and we'll help you find the credit solution that's right for you.

Get the Scotiabank American Express® Card  (for students)

Is this credit card right for you?

Right for you if you:

  • Are a student enrolled in a Canadian post secondary school and this is one of your first Credit Cards
  • Want to obtain a convenient and secure payment method for everyday purchases 
  • Value the rewards and benefits that can be earned with this Card 
  • Interested in building your credit history if you make at least your minimum payments on time each month  
  • Want an interest -free grace period on purchases 
  • 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
  • Have a steady income of more than $12000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards 
  • Don’t mind paying an annual fee to benefit from even more rewards & other benefits available with one of our other Cards