Scotiabank American Express® Card review
Earn up to 12,000 bonus Scene+™ points in your first year (that's up to $120 towards travel) - Offer ends April, 30 2023
Great reasons to get this card for your everyday purchases
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, a full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions
Enjoy benefits
Access to special offers, merchandise, rewards and more
Peace of mind for every trip
Travel without worry with our travel insurance package
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Save on Car Rentals
As a Scotiabank American Express Cardholder, you can save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotiabank American Express card.
Special Offers with Scotia Rewards®Travel Advantage
Your Card extends to you extraordinary discounts, offers, special amenities and privileges. Visit Scotia Rewards to take advantage today.
Enjoy Special Offers, Access and Experiences with American Express Invites
American Express Invites7?opens 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.
If you are an American Express fan, then this card is definitely quite a good choice for you. You can reap all its features and perks without having to pay a penny in an annual fee.
This card comes with standard interest rates of 19.99% on purchases, respectively 22.99% on cash advances. However, it gives you up to 12,000 points bonus Scene the first year, which is valued at about $120
To gain access to this card, you need to have a minimum personal income of over $12k, which is fairly basic. You also need a fair/good credit score. Over 95% of Canadians can quickly access this card.
The Scotiabank American Express® Card is basically a travel card that allows you to earn Scotia points whether you're staying at home or travelling. In addition to the lucrative rewards, you also get a wide range of travel protection and a wide range of insurance options.
Basically, you get 1 Scotia point for every $1 spent with this card. You can then use the rewards to enhance your travel options, choose from a wide range of dining options, go to the theatre, and even purchase clothes from fashion stores.
To top it all, you can use this card to save on car rentals, choose from a wide range of gifts for you & your spouse, and also convert your Scotia points into SCENE points.
Where is American Express accepted in Canada?
American Express credit cards are rated among the best credit cards in Canada in many categories.
They have outstanding rewards, features and benefits however there is a perception by many Canadians that these cards are not widely accepted across Canada.
Below is a high level list of retailers that accept American Express:
Grocery Stores: Walmart , Metro, Sobeys, Whole Foods Markets ,Longo’s, Safeway, Rabba, 7-Eleven,Pusateri’s.
Gas stations: Petro Canada, Esso, Shell Canada, Ultramar,Irving Oil, Co-Op Gas Bars, Race Trac, Pioneer Energy, Fast Gas
Travel: Air Canada, WestJet, Air Transat, Flight Centre,Celebrity Cruises, Budget. Avis, Hertz, Porter Airlines, Royal Caribbean Cruises, Sunwing Tours.
Hotels: Fairmont Resorts & Hotels, Starwood Hotels, Hilton Hotels & Resorts, Holiday Inn Hotels.
Home: Home Depot, The Brick , Leon’s, Lowe’s, Hudson’s Bay ,Restoration Hardware, Sleep Country Canada, IKEA.
Pharmacy: Jean Coutu, Rexall, Uniprix, London Drugs, Uniprix
Do I have travel insurance with my American Express card?
American Express has few credit cards that provide travel insurance coverage.Does Best Buy accept American Express?
American Express is accepted at all Best Buy across Canada along with Visa and Mastercard.
Does IKEA accept American Express?
American Express is accepted at all IKEA stores across Canada.
To qualify for these offers make sure to open a new Scotiabank American Express credit card account by April 30, 2023.
To qualify for the 12,000 bonus Scene+ points offer:
- Earn 7,000 bonus Scene+ points by making at least $750 in everyday eligible purchases in your first 3 months.
- Plus, for a limited time, you are eligible to earn a 5,000 Scene+ point bonus when you spend at least $5,000 in everyday eligible purchases in your first year.
Once you qualify, we’ll credit your account in 2 instalments:
- 7,000 bonus Scene+ points will be credited to your account within approximately 2-3 business days following the qualifying $750 in net purchases being posted to your Account in your first 3 months.
- An additional 5,000 bonus Scene+ points will be credited within approximately 2-3 business days after you have met the $5,000 annual spend threshold in your first year.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions below4 for full details.
Special Offer:
Life’s back in session. Enjoy it with an extra 10% back.*
Apply for a Tangerine Money-Back Credit Card by May 2nd, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Always-On Offer:
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
No limit on the amount of Money-Back Rewards you can earn.
Change your 2% Money-Back Categories to suit your spending.
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.(with a 1% fee)
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
Tangerine Money-Back Features
- 2% Rewards in your chosen categories
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Tangerine Money-Back Credit Card Rewards Features
- Get 0.50% money back on all other everyday purchases.
- Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your everyday spending.
Tangerine Money-Back Credit Card Insurance
- Purchase Assurance and Extended Warranty– For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:
- Purchase Assurance to automatically cover loss, theft or damage on most new insured items for 90 days from the date of purchase
- Extended Warranty which may double the period of repair services to a maximum of one year
Free cards for Authorized Users on your Account
Mastercard® accepted worldwide at more than 24 million locations in over 210 countries
Mastercard Zero Liability
Mastercard Tap & GoTM
Earn Cash Back
- In your first 10 months as a new SimplyCash® Card from American Express Cardmember, you can earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card. This could add up to $100 in statement credits in the first 10 months
- Earn accelerated earn rates on eligible gas and grocery purchases
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Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases
Access events and special offers curated for Cardmembers with American Express® Experiences
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link. Conditions Apply
HSBC +Rewards™ Mastercard® review 2023
Welcome offer
Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by May 31, 2023. Conditions apply.
o Earn 35,000 points* when you spend $2,000 within 180 days of account opening ($175 travel value)
o First year annual fee rebate for the primary cardholder* ($25 value)
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
