Get the Scotiabank American Express® Card

Are you a Scotiabank customer with access to online banking?

Are you new to Canada in the past three years? Visit a branch to apply. Use our Branch Locator

Earn More Travel Rewards 

You will earn travel rewards on the purchases made by your Supplementary Cardholder at the same rate that you earn travel rewards on purchases made on your Card.

Comprehensive Travel and Shopping Protection 

Your Supplementary Cardholders will also enjoy the benefits of comprehensive Travel and Shopping coverage included with your Scotiabank American Express Card Account.

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank American Express Card .

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase

Certificate of Insurance

Offer details

To qualify for these offers make sure to open a new Scotiabank American Express credit card account (“Account”) by July 1, 2024.

To qualify for the 7,500 bonus Scene+ points offer:

Once you qualify, we’ll credit your account in 2 instalments:

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.

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Scotiabank American Express® Card

Earn up to 3X the Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases.1

Earn up to 7,500 bonus Scene+ points within your first 3 months (that’s up to $75 towards travel).4

Is this Credit Card right for you?

Right for you if you:

May not be right for you if you:

Fees, rates and other information5

Annual fee

Interest rates

(including balance transfers, Scotia Credit Card Cheques and cash-like transactions)

Minimum credit limit

Each supplementary Card

Ways to earn Scene+ points

Ways to earn Scene+ points

3X 

Sobeys, Safeway, FreshCo, Foodland, and more

Earn 3 Scene+ points1 on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more.

2X

Eat in and Eat out

Earn 2 Scene+ points1 for every $1 you spend on restaurants, fast food, drinking establishments, and other eligible grocery stores. Includes popular food delivery and food subscriptions.

2X

Watch and Cheer

Earn 2 Scene+ points1 for every $1 you spend on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.

2X

Ride and Drive

Earn 2 Scene+ points1 for every $1 you spend on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.

2X

Listen and Stream

Earn 2 Scene+ points1 for every $1 you spend on eligible select streaming services.

Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases.

More valuable benefits

More valuable benefits

Book travel and redeem easily

Mobile device insurance

Mobile device insurance

Mobile Device insurance is being added to your card. Protect your new cell phones, smartphones or tablets purchased using your card, if they get lost, stolen, accidentally damaged, or have a mechanical failure10.

Your card comes with great benefits

As a Scotiabank American Express® Cardholder, you’ll enjoy lots of flexibility – and savings.

New   Earn and redeem Scene+ points when you shop at over 1,100 eligible grocery stores across Canada including Sobeys, Safeway, FreshCo, Foodland, and  more.

With Scene+, you have the flexibility to make your own travel arrangements at any travel provider, site or operator that you choose, and then select the “Apply Points to Travel” option to redeem points to cover off your trip costs within 12 months of the date of the travel purchase.

To learn more on how to apply Scene+ points to Travel, call 1-866-586-2805 or visit sceneplus.ca.

With Scene+ Travel, you can earn 3 Scene+™ points per Canadian dollar (CAD$) spent on hotel and car rental bookings made through Scene+ Travel using your Scotiabank American Express Card. Points can be redeemed fully or partially, for flights, car rentals and hotels. You can access a range of flexible options when it comes to booking and redeeming for travel purchases.

You can choose to book online or over the phone.

To book online:

To book over the phone:

Make every day more rewarding with Amex Offers®† With offers for shopping, dining, travel, and more, there’s something for everyone. Adding offers to your card is quick, easy, and best of all, incredibly rewarding.12

Register your Card

American Express Experiences6 includes:

Sign up for e-Updates

Reward yourself and choose from a wide selection of merchandise and gifts by visiting sceneplus.ca.

Save on car rentals

As a Scotiabank American Express Cardholder, you can save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotiabank American Express Card7.

AVIS reservations may be made online at avis.com/scotiabankAMEX or by calling 1-800-TRY AVIS (879-2847). Please quote AVIS worldwide discount number C231400.

Budget Reservations may be made online at Budget.com/scotiabankAMEX or by calling 1-800-268-8900. Please quote Budget Corporate Discount number A363306.

Tap your Scotiabank American Express Card or your smartphone for quick easy payments.

Apple Pay – The easy, secure, and private way to pay with your eligible Scotiabank credit cards9.

Add an additional Supplementary Cardholder to your Scotiabank American Express Card. One account, multiple cards. Added benefits! Get an additional Card for a friend or family member8.

See your travel rewards and save.

Scene+ Program Terms and Conditions

Insurance coverage available with your Card

Take advantage of all the ways a Scotiabank American Express Card adds to your life.

You may have Mobile Device Insurance for new cell phones, smartphones, or tablets purchased on or after July 1, 2022, when you charge the full cost of your new mobile device to your Card, or charge all of your wireless bill payments for such device to your Card when you fund such purchase through a plan.

You may be covered for up to $500 in the event your cell phone, smartphone, or tablet is lost, stolen, accidentally damaged, or experiences mechanical failure.

Certificate of Insurance

Most items purchased with your Card are insured against theft, loss or damage for 90 days from the purchase date and the manufacturer’s warranty is doubled for up to one year.

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank American Express Card .

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase

Certificate of Insurance

For claim forms and answers to Frequently Asked Questions visit our partner's site.

Scotia Credit Card Protection (optional)11

This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job Loss or Strike or Lockout.

There are two different coverage bundles to choose from:

Basic Protection 

Comprehensive Protection

Scene+ makes every experience more rewarding.

Scene+ is our enhanced rewards program that allows members to earn and redeem points for travel, shopping, dining and more.

Get the Scotiabank American Express® Card

Online

Travel rewards with no annual fee.

By phone

Call Scotiabank

In person

Make an appointment at your local branch.

You might also like

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Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card

Earn up to 6X the Scene+ points on every $1 CAD you spend in Canada on eligible grocery, dining, and entertainment purchases.

The only major bank that saves you 2.5% on foreign transaction fees.

Annual Fee:

Interest rates:

Not sure if this is the right credit card for you?

Not sure if this is the right credit card for you?

Resources and advice

Resources and advice

You are awarded three (3) Scene+ Points for every eligible $1.00 purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. 

Additionally, you are awarded two (2) Scene+ Points for every eligible $1.00 purchase all other grocery (not listed above), dining, entertainment, gas, daily transit and select streaming services charged and posted to the Scotiabank American Express Account (the “Account”) (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank American Express Account (the “Regular Earn Rate”). 

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. 

The Accelerated Earn Rates for the Scotiabank American Express Card applies to the first $50,000 in purchases charged to the Scotiabank American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank American Express Account.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, Scotia† Credit Card Cheques and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details

The Scene+ Travel website and call center are owned and operated by Expedia Inc, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change.  The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases:  Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”.  Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel  regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase:  Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

Apply Points to Travel redemptions are only permitted towards an eligible travel purchase charged to a Scotiabank credit card or debit card that earns Scene+ Points. Redemptions must be requested through sceneplus.ca or the Scene+ app within 12 months of the travel purchase transaction date. Minimum Scene+ Point redemption thresholds apply. For full terms and conditions, click here.

Offer Description and Conditions: The 7,500 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank American Express credit card accounts (“Account”) opened by July 1, 2024 and is subject to the below terms and conditions.

To be eligible for 2,500 bonus Scene+ points (the “2,500 Point Bonus”), you must open a new Account by July 1, 2024 and have at least $250 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 5,000 bonus Scene+ points (the “Additional 5,000 Point Bonus”), you must have at least $1,000 in eligible purchases posted to your new Account in your first 3 months of Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

The applicable point Bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $250 or $1,000) are posted to the Account within the first 3 months of the Primary cardholder’s Account open date, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount in eligible purchases (i.e., $250 or $1,000).  If a supplementary cardholder completes the last qualifying transaction, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account.  All other terms and conditions of the Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended without notice at any time and cannot be combined with any other offers.

Eligibility and Exclusions: 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 the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: There is currently no annual fee for the primary card and no fee for each additional card (including those issued to co-borrowers and supplementary cardholders). The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

For current rates and information on fees and interest, call 1-888-882-8958. Interest rates, fees and features are subject to change without notice. Learn more about credit card fees and interest rates.

Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing agent terms, conditions, and fees. Not all seats are available. All sales are final. No refunds. No exchanges. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.

The savings of up to 25% applies to Avis and Budget base rates and is applicable only to the time and mileage charges of the rental. All taxes, fees (including but not limited Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Traveler Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. The Bank of Nova Scotia is not responsible for, and provides no representations, warranties or conditions regarding this offer or any Avis or Budget products or services, including Avis Preferred Plus membership and services and those obtained under this offer, which are governed solely by Avis’ terms and conditions. Avis Preferred Plus membership and services are provided by Avis.

The Primary Cardholder on the Scotiabank American Express Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment.

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