Scotiabank American Express Card Review
Earn up to 12,000 bonus Scene+ points within your first year (that’s up to $120 towards travel).
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Recommended Credit Score:
670 900
Average to Excellent
Welcome Bonus Value
Annual Fee
Purchase Interest Rate
Min Personal Required
Scotiabank  American Express Card
Apply Now
My Rate Compass Rating: star star star star star_outline (4)
Bank Name:Scotiabank
Network Type:Amex
Scotiabank American Express Card
Welcome Bonus
Earn up to 12,000 bonus Scene+ points within your first year (that’s up to $120 towards travel).
Annual Fee
Scotiabank  American Express Card
Card Details

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

  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance No
  • Vehicle rental insurance Yes
  • Travel accident insurance Yes
  • Travel medical insurance Yes
Fees and Eligibility
  • 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
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star star_outline (4)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

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.

Editor's Review

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 StoresWalmart , MetroSobeysWhole Foods Markets ,Longo’sSafewayRabba7-Eleven,Pusateri’s.
Gas stationsPetro CanadaEsso, Shell CanadaUltramar,Irving Oil, Co-Op Gas Bars, Race TracPioneer EnergyFast Gas   
TravelAir CanadaWestJet, Air TransatFlight Centre,Celebrity CruisesBudgetAvisHertzPorter AirlinesRoyal Caribbean CruisesSunwing Tours.

HotelsFairmont Resorts & HotelsStarwood HotelsHilton Hotels & ResortsHoliday Inn Hotels.

HomeHome DepotThe Brick , Leon’s, Lowe’sHudson’s Bay ,Restoration HardwareSleep Country CanadaIKEA.

PharmacyJean CoutuRexall, UniprixLondon 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.