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Scotiabank

Scotiabank American Express

Earn up to 3x Scene+ points on groceries and 2x on dining, entertainment and gas with no annual fee. Plus exclusive access to Amex Experiences.

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Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.

Annual fee

$0

Purchase rate

21.99% (purchases)

FX fee

2.50%

Grace period

21 days

What this card pays you

Groceries
3.00%$144
Dining
3.00%$72
Gas
1.00%$18
Transit
1.00%$7
Travel
1.00%$12
Bills & subscriptions
1.00%$24
Everything else
1.00%$36
Net value$0$313

This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.

We earn a referral fee if an application is approved. It does not affect this ranking. How we rank

Rewards in full

  • 3x Scene+ points per $1 at Sobeys, Safeway, FreshCo, Foodland and IGA
  • 2x on dining, entertainment, gas, transit and streaming
  • up to 4x on travel booked through Scene+ Travel
  • 1x on all other eligible purchases

Rates & fees

Scotiabank American Express: Rates & fees
Annual fee$0
Supplementary card fee$0
Purchase APR21.99% (purchases)
Balance transfer introNo intro offer
Balance transfer rate22.99%
Balance transfer feeGreater of $5.00 or 1% of the amount transferred
Cash advanceGreater of $5.00 or 1% in Canada ($7.50 outside Canada); cash advance APR 22.99%
Foreign exchange fee2.50%
Grace period21 days
NetworkAmerican Express

Important information

Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.

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