Is the Scotiabank American Express Card worth it?

It carries a No fee annual fee and a welcome offer worth about $25, for an estimated first-year value of +$25. No annual fee. Compare it against similar cards below before deciding.

What is the annual fee and interest rate on the Scotiabank American Express Card?

The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 22.99%. These are sourced from Scotiabank's official page.

What rewards does the Scotiabank American Express Card earn?

It earns up to 3x on gas, daily transit, grocery, dining, entertainment, in Scene+. See the full earn-rate breakdown above.

Scotiabank

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Scotiabank American Express Card

AMERICAN EXPRESS

No annual fee rewards

Scotiabank American Express Card

Welcome bonus

~$25

Earn 2,500 bonus Scene+ points

Annual fee No feePurchase APR 21.99%1st-year value +$25

Apply on Scotiabank →

#24 No Annual Fee Credit Cards #33 Credit Cards for Groceries

Why get this card

✓No annual fee
✓Earn 3x on gas, daily transit, grocery, dining, entertainment

Earn rates

gas, daily transit, grocery, dining, entertainment3x
eligible travel purchases1x
all other purchases1x

Welcome offer

Earn 2,500 bonus Scene+ points

Est. cash value: ~$25
Bonus points: 2,500
Minimum spend: $250
Spend window: 90 days
Offer ends: —

Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in first 3 months.

Fees

Annual fee: No fee
Additional card: No fee
Foreign transaction fee: —

Interest rates

Purchase APR: 21.99%
Cash advance APR: 22.99%
Balance transfer APR: —
Grace period: —
Rate effective date: —

Benefits & insurance

Lounge access: —
Insurance coverages: 2

New Mobile Device Insurance
Creditor Insurance

Redemption & eligibility

Reward currency: Scene+
Redemption options: —
Transfer partners: —
Min. personal income: —
Min. household income: —

Compare with similar cards

Frequently asked

Is the Scotiabank American Express Card worth it?: It carries a No fee annual fee and a welcome offer worth about $25, for an estimated first-year value of +$25. No annual fee. Compare it against similar cards below before deciding.
What is the annual fee and interest rate on the Scotiabank American Express Card?: The annual fee is No fee. The purchase interest rate is 21.99% and the cash advance rate is 22.99%. These are sourced from Scotiabank's official page.
What rewards does the Scotiabank American Express Card earn?: It earns up to 3x on gas, daily transit, grocery, dining, entertainment, in Scene+. See the full earn-rate breakdown above.

Official sources

Every figure on this page comes from Scotiabank's own pages. Last checked 2026-06-13.