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Scotiabank American Express

Banque Scotia

American ExpressScène+

Accumulation des récompenses

groceries: 3 points / $1

Frais annuels
0,00 $
Récompenses annuelles nettes
363,6 $
Valeur la première année
363,6 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for Scotiabank American Express (opens new tab)
Recently checked facts and sources

These dates apply only to the listed facts. Other terms retain the earlier verification date.

Détails de la carte

Frais annuels

Carte principale : 0 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

American Express · Récompenses

Récompenses

Programme : Scène+

Émetteur

Banque Scotia

  • Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • Earn 3 Scene+ points per $1 at participating Sobeys-family grocers, 2 on other eligible groceries, dining, entertainment, gas, transit and select streaming, and 1 elsewhere

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints Scène+ évalués à 1 ¢ chacun

Valeur estimée la première année

363,60 $

net annual rewards

Récompenses annuelles nettes
363,60 $

Récompenses d’une année typique, après les frais annuels

Détail des récompenses annuelles

Récompenses accumulées en un an363,60 $
Frais annuels0,00 $
Récompenses annuelles nettes363,60 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Eligible travel charged to an eligible Scotiabank card; request within 12 months. Redemption minimums apply. Earned equivalent is not a prediction of available travel purchases.

Illustrative annual rewards
319,80 $
Frais annuels habituels
0,00 $
Illustrative net ongoing value
320,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly Participating Scene+ grocery chains only; exclude from other grocery allocation. This is part of your existing spending.
  • Enter monthly Other qualifying grocery MCC merchants; exclude Scene+ grocers. This is part of your existing spending.
  • Enter monthly Qualifying American Express dining MCC only. This is part of your existing spending.
  • Enter monthly Qualifying gasoline MCC only; no assumed EV bonus. This is part of your existing spending.
  • Enter monthly Qualifying daily transit MCC only. This is part of your existing spending.
  • Enter monthly Qualifying entertainment MCC only. This is part of your existing spending.
  • Enter monthly Issuer-confirmed select streaming merchants only; other bills earn base. This is part of your existing spending.
  • Enter monthly Completed Scene+ Travel hotels and car rentals paid entirely with this card. This is part of your existing spending.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for Scotiabank American Express

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Year 1 uses separate planned eligible purchases and offer qualifications. Annual spending alone does not establish eligibility. Introductory allocations must be disjoint.

New Scotiabank account opened during dated offer; no primary/secondary Scotia personal card in prior2years, no existing-card switch and no Scotia employee. Net eligible posted purchases exclude payments/advances/cash-like transactions/interest/fees. Account open/good standing through approximately8-week award; no fees or benefit valuations added. Year1 is conditional on accelerated spending remaining below the reviewed calendar-year cap; cap-binding profiles need account-opening/reset chronology and remain unavailable.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange
Récompenses annuelles nettes
363,60 $
Valeur la première année
363,60 $
Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

  • Scene+ Travel bookings4×points per $1
  • Sobeys, Safeway & other Scene+ grocersUp to $50,000 a year (shared)3×points per $1
  • Other grocery stores, dining, gas, transit, entertainment and streamingUp to $50,000 a year (shared)2×points per $1
  • Tout le reste1×point per $1
Earning rules and limits
  • Eligible Scene+ Travel hotel and car bookings can earn additional points.
  • Welcome points: 2,500 after $250 in eligible purchases and 7,500 after $1,000, each within the first three months.
  • Eligible accounts must open by November 1, 2026.
  • Issuer new-cardholder exclusions apply.
  • Accelerated categories share a $50,000 annual spending limit.

Redemption methods

  • Apply Points to Travel
    1¢ per point
    Fonctionnement
    • Eligible travel charged to an eligible Scotiabank card.
    • Request within 12 months.
    • Redemption minimums apply.
    Issuer redemption terms
  • Account credit
    0.67¢ per point
    Fonctionnement
    • 3,000 points redeem for $20 eligible account credit.
    • Issuer redemption increments and eligibility apply.
    Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

  • Soins médicaux en voyage: not included
  • Annulation de voyage: not included
  • Interruption de voyage: not included
  • Retard de vol: not included
  • Bagages: not included
  • Location de voiture: not included
  • Accident de voyage: not included
  • Vol à l’hôtel ou au motel: not included
  • Appareils mobiles: not included
  • Protection des achats: included
  • Garantie prolongée: included

2 assurances

AssuranceCoverage
  • Protection des achats60 000 $

    Shared maximum $60,000 lifetime across purchase security and extended warranty

    90 days from purchase

    Canadian resident primary or supplementary cardmember; eligible new personal items paid in full with account and/or Scene+ points. Excess of other insurance; commercial goods, used items and specified exclusions excluded. Good standing and claim evidence required.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongée60 000 $

    Shared maximum $60,000 lifetime across purchase security and extended warranty

    Doubles original repair warranty; up to 1 additional year

    Full purchase price paid with account and/or Scene+ points; original written warranty valid in Canada or US. Registration requirements apply for long manufacturer warranties. Commercial/used goods and specified exclusions excluded; good standing and claim evidence required.

    Issuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Sans frais annuels
  • Earns Scene+ points

Points faibles

  • Les catégories bonifiées ont des plafonds de dépenses
  • Amex n’est pas acceptée partout

Sources et mentions légales

Points à considérer

  • L’acceptation d’Amex varie selon le commerçant.
  • Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.