5,000 Scene+ points
Apply Now$60
First-year value
5,000
Scene+ points
$0
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Scene+ points at 1 cents per point.
(up to $50,000/year, 1x after)
(up to $50,000/year, 1x after)
Last updated: February 12, 2026
The Scotiabank American Express® Card is Scotiabank's entry-level Scene+ rewards credit card on the American Express network.
This card is best-suited to casual travellers who are looking to avoid credit card annual fees, while earning points in important bonus categories to reduce travel expenses.
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Read more| Tier | Amount | Requirement |
|---|---|---|
| Spend threshold | 2,500 | $250 spend in 3 months |
| Spend threshold | 2,500 | $1,000 spend in 3 months |
| Total | 5,000 Scene+ points |
Annual Fee
Free
Additional Card
Free
A no-fee card with a tiered welcome structure that rewards gradual spending – ideal if you're already embedded in the Scene+ ecosystem and want a zero-risk addition to your wallet.
| Category | Rate | Cap | After Cap |
|---|---|---|---|
| Groceries | 3× | $50,000/year1 | 1× |
| Dining | 2× | $50,000/year | 1× |
| Food Delivery | 2× | $50,000/year2 | 1× |
| Entertainment | 2× | $50,000/year | 1× |
| Gas | 2× | $50,000/year | 1× |
| Transit | 2× | $50,000/year | 1× |
| Rideshare | 2× | $50,000/year2 | 1× |
| Streaming | 2× | $50,000/year | 1× |
| Everything Else | 1× | — | — |
1 Accelerated earn rates apply to first $50,000 in annual purchases (Jan 1 - Dec 31)
2 Combined $50,000/yr cap across all accelerated categories
The breadth of bonus categories makes this a rare no-fee workhorse – you're earning elevated rates on groceries, dining, gas, transit, and streaming without cherry-picking spend, and the caps are generous enough that most households won't bump into them monthly.
Book travel directly with any vendor and offset the charge at 1 cent per point – earning elite benefits and full insurance coverage along the way – or transfer to select partners when sweet spots align.
Read Our Full Scene+ Guide
Read moreAmex Offers
GeneralAccess to Amex Offers delivers tangible value – savvy cardholders extract hundreds in annual statement credits by stacking promotions at retailers like Best Buy and Sobeys. You're tapping into premium network perks without a premium fee, plus presale concert and event access through Front of the Line.†
Underwritten by First North American Insurance Company (FNAIC)
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car (CDW/LDW) | Not included | — |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | — |
| Mobile Device | Included | $500/claim |
View Certificate of Insurance (PDF)
Without travel medical or trip protection, this is strictly a domestic shopping card – you'll need to bring a premium travel card or buy standalone policies for any international trip.
40,000 Scene+ points
60,000 Scene+ points
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$200 cash back
10,000 Scene+ points
5,000 Scene+ points
Apply NowLast updated: February 12, 2026