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Scotiabank · American Express · No Fee

Scotiabank American Express Card

No annual fee No Annual FeeRewardsTravel
3.9
★★★★☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on Scotiabank's own website.
Welcome value
$100
est. first-year value
Annual fee
$0
no yearly cost
Purchase interest
21.99%
on carried balances
Rewards type
points
Scene+
✈️
4% value on travel
Your top earn category
🎁
$100 welcome bonus
Estimated first-year value
✅
No annual fee
$0 to keep the card
🛫
Travel perks
Lounge access & trip coverage

Rewards

Base earn rate1 Scene+ point for every $1 spent on all other eligible purchases
ProgramScene+
Welcome bonusEarn up to 10,000 bonus Scene+ points within your first 3 months. That's up to $100 in value that you can redeem on travel.
Rewards typepoints

Fees & rates

Annual fee$0
Additional card$0
Purchase interest rate21.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)

Standout perks

⭐
Get up to 11/L in value on fuel purchases at Shell stations when linked to Shell Go+ Account
up to 11/L
💳
Apply Scene+ points to travel purchases with flexible redemption options
⭐
Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the US
up to 25% off base rates
⭐
Make the most of exclusive Amex Experiences including tickets and reservations to in-demand concerts, theatre productions, restaurants, and special events
⭐
Front Of The Line Presale access to concerts and theatre productions
⭐
Front Of The Line Reserved Tickets for American Express cardholders
⭐
Exclusive Amex Offers for shopping, dining, travel and more
⭐
Buy now and pay over time with flexible payment plans
no installment plan fee

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access

Insurance coverage

🛡️

mobile device

up to $500 CAD

🛡️

purchase protection

up to purchase price

🛡️

extended warranty

up to one additional year

Eligibility

Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident