Scotiabank Amex
Niche cardWhat the roles mean
- Sobeys-family groceries: 3 Scene+ points per $1 ($3 per $100) on a no-fee card, plus 2 points on dining, gas and transit
Welcome offer now
Earn up to 10,000 bonus Scene+ points — "that's up to $100 in value."
Ends November 1, 2026.
Checked on Scotiabank's own page November 2, 2026. See Scotiabank's page
What it earns in a year
64,200 points a year
Worth about $642.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 4× points.
- Groceries (First $50,000 a year, then 1× points): 3× points.
- Dining & restaurants (First $50,000 a year, then 1× points): 2× points.
- Gas / EV (First $50,000 a year, then 1× points): 2× points.
- Transit (First $50,000 a year, then 1× points): 2× points.
- Entertainment (First $50,000 a year, then 1× points): 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 64,200 points a year, worth $642.
- What a point buys (1¢): Travel, groceries at Sobeys, Safeway and FreshCo, or Cineplex: 1,000 points = $10. Same value everywhere. Only the general statement credit pays less (about 0.7¢), so skip it
How to apply for the Scotiabank Amex
Check first
- Bonus not for recent Scotia cardholders: you can't get it if you held any Scotiabank personal credit card in the past 2 years
- Check you qualify Income: $12,000 personal. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Scotiabank's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Scotiabank's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries: Sobeys, Safeway, FreshCo, IGA, Foodland for 3 points. Other grocers earn 2
- Dining, food delivery, gas, transit, streaming, entertainment: 2 points per $1
- Hotels and car rentals: book through Scene+ Travel for 3 extra points per $1
- Everything else: use another card. This one pays 1 point per $1
- Carry a Visa or Mastercard too: Amex isn't taken everywhere
- Example: $800/month at Sobeys + $250 gas + $250 dining + $300 bills = 44,400 points = $444 a year
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $12,000
- Min. household income
- None published
- Rewards
- Scene+See every Scene+ card
Annual fee waiver
- No annual fee
From scotiabank.com product page, checked October 17, 2026. Not an affiliate link.
More Scotiabank cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $823 a year after both fees, vs $642 with this card alone
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee, and $0 for additional cards
- 3 points per $1 at Sobeys-family grocers; 2 points on dining, gas, transit and streaming
- Bonus rates apply to the first $50,000 a year, more than most households spend in those categories
- Points worth $1 per 100 on groceries, travel or Cineplex, and don't expire while the account is open
- Low bar: $12,000 minimum income
- Year one: up to 10,000 bonus points ($100): 2,500 at $250 spent, 7,500 more at $1,000, first 3 months. Open by November 1, 2026
Cons
- 1 point per $1 on everything else
- Amex: accepted at fewer stores than Visa or Mastercard
- 2.5% on foreign-currency purchases
- No travel insurance
- No welcome offer if you held a Scotiabank personal card in the past 2 years
Insurance included
- Phone: $500 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as Scotiabank lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Amex Offers: add-and-save merchant deals
- Scene+: earn and redeem at Cineplex, Sobeys-family grocers, Home Hardware, Apple and Best Buy
- Scotia SelectPay: split purchases of $100+ into instalments
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Scotiabank Amex | 3× points | $288 | $0 | November 2, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| Scotiabank Amex | 2× points | $60 | $0 | November 2, 2026 |
How the offer has changed
One row per check of Scotiabank's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Unchanged: up to 10,000 bonus Scene+ points ("up to $100 in value"): 2,500 for $250 in purchases, plus 7,500 more at $1,000, both in the first 3 months. Open the account May 1, 2026 → November 1, 2026Offer window ended November 1, 2026, but on November 2, 2026 the bank's page still advertises this same offer with the same dates; no replacement or extension published. Page text identical to October 21, 2026. Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
| October 21, 2026 | Unchanged: up to 10,000 bonus Scene+ points ("up to $100 in value"): 2,500 for $250 in purchases, plus 7,500 more at $1,000, both in the first 3 months. Open the account May 1, 2026 → November 1, 2026Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
| October 17, 2026 | Unchanged: up to 10,000 bonus Scene+ points ("up to $100 in value"): 2,500 for $250 in purchases, plus 7,500 more at $1,000, both in the first 3 months. Open the account May 1, 2026 → November 1, 2026Not eligible if a Scotiabank personal cardholder in the past 2 years | $0 | November 1, 2026 |
General information, not financial advice. Offers change; confirm on Scotiabank's page before you apply.