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


Earn up to  5,000 bonus Scene+ points within your first 3 months (that’s up to $50 towards travel).4

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  

Fees, rates and other information5

Annual fee


Interest rates

19.99% on purchases
22.99% on cash advances

(including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit


Each supplementary Card


Ways to earn Scene+ points

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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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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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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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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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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.

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.

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

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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 

book and redeem easily icon

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 Invitesopens 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

Save on car rentals

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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

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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.

Get the Scotiabank American Express® Card  (for students)

Discover your credit card rewards

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