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Scotiabank® American Express® Card review

Name: Scotiabank American Express Card
Brand: Scotiabank

4.1Rated by the CreditCardGuru Editorial Team

A no-fee gem: 2x-3x on groceries, dining, gas, transit and streaming plus mobile device insurance make it one of the strongest free rewards cards in Canada, if Amex acceptance works for you.

At a glance

Annual fee: No annual fee
Welcome bonus: ~$100
Foreign tx fee: 2.5%
Network: AMEX
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Sobeys-family grocery storesSobeys, Safeway, FreshCo, Foodland and more; 2x at other grocery stores	3x
Dining & food delivery	2x
Entertainment	2x
Gas	2x
Daily transit	2x
Select streaming services	2x
Everything else	1x

Welcome offer: Up to 10,000 bonus Scene+ points (2,500 + 7,500) (Spend $250 in first 3 months (2,500 pts) and $1,000 in first 3 months (7,500 pts). Offer for accounts opened May 1 - Nov 1, 2026).

Pros & cons

Pros

Best-in-class earn rates for a no-fee card
Mobile device insurance is rare at $0 annual fee

Cons

No travel insurance included
2.5% foreign transaction fee
Amex acceptance is more limited in Canada

Perks & insurance

Key perks

No annual fee with strong 2x-3x everyday earn rates
3x Scene+ points at Sobeys-family grocery stores
Amex Front Of The Line presale and event access
Extra 3x points on hotels and car rentals via Scene+ Travel
Low $12,000 income requirement

Insurance

Mobile device insurance
Purchase security and extended warranty protection

Rates & fees

Annual fee: None
Purchase interest: 21.99%
Cash advance: 22.99%
Foreign transactions: 2.5%
Min. personal income: $12,000

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“Scotiabank® American Express® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-amex, updated June 7, 2026.