Scotiabank American Express® Card Review

The Scotiabank American Express® Card is a travel card that makes it easy for customers to earn and redeem Scene+ points both at home and abroad. Some purchases made with the card are also eligible for special extended warranties and price protection.

At a Glance

• No Annual Fee!
• Earn up to 12,000 bonus Scene+™ points in your first year (that's up to $120 towards travel).¹ Offer ends April 30, 2023.
• Earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ 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-O.
• Earn 2X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions
• Earn 2X Scene+ points for every $1 CAD spent on eligible entertainment, including movies, theatres and ticket agencies
• Earn 2X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more
• Earn 2X Scene+ points for every $1 CAD spent on eligible select streaming services
• Earn 1X Scene+ point for every $1 spent on every other purchase
• Redeem points for travel arrangements without restrictions
• Book trips with Scene+ Travel Service

Why We Like It

1. Save During First Year: The Scotiabank American Express® Card is yours for no annual fee at all! So you will get the most out of your travel rewards.
2. Earn Scene+ points: Customers can earn up to 12,000 bonus Scene+™ points in your first year (that’s up to $120 towards travel).¹ 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. Offer ends April 30, 2023. Cardholders will earn Scene+ points on most purchases and can easily accumulate Scene+ points by using the Scotiabank American Express® Card for routine purchases.
3. Redeem Without Restrictions: Cardholders can redeem their Scene+ points with the help of travel agents in the Scene+ Travel Service. Customers can book trips anywhere with no restrictions or blackout periods that accompany many competing cards. Furthermore, members can rest assure knowing they are receiving the best available price for whatever they purchase. The company’s best price guarantee gives cardholders the ability to earn back the difference in price if they find a cheaper alternative for the same itinerary within 24 hours, adding to the advantages of booking travel with the service.
4. Enjoy Special Offers: American Express® Members receive special privileges whether traveling or shopping at home. The company will notify cardholders of special offers and experiences available, including table booking at fine dining establishments, theatre engagements, film screenings and more. In addition, Scotiabank invites customers to take advantage of exclusive offers such as discounts and amenities when travelling.
5. Added Protections on Purchases: The Scotiabank American Express® Card includes an automatic 90-day purchase protection on eligible items against theft, loss or damage. An automatic extended warranty also doubles the manufacturer’s warranty term by up to an extra year when you charge the full cost of most items to your card.

Is It Worth It?

Those individuals who want to quickly redeem points on travel and save money on purchase protections will find this card particularly useful. However, annual interest rates charged for balance transfers, purchases and cash advances are comparable to industry standard rates, indicating the availability of better options if a potential member is considering transferring a balance.

In Conclusion

The Scotiabank American Express® Card is a flexible and rewarding travel card, giving customers the ability to earn points on all eligible purchases. Points can be redeemed flexibly without travel restrictions, and on a variety of brand name merchandise. Customers who travel frequently will enjoy the ability to book travel and redeem easily with this card and the purchase security and extended warranty protection.