Scotiabank®* American Express® card

Scotiabank®* American Express® card

A Scotia American Express credit card with no annual fee Get insurance for your travel and purchases.

Welcome Bonus

5,000 points Ends Nov 21, 2021



Best For

Annual Fee


Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates

22.99 %


  • Earn 5,000 bonus Scotia Rewards points with your first $500 in everyday purchases in first 3 months1
  • Earn one Scotia Rewards point on all eligible everyday purchases
  • Flexible Point Redemption
  • Rates, fees and other information are effective as of Mar 1, 2021. Subject to change.


Fees & Conditions

Personal Income $12,000
Household Income $12,000
Annual Fee $0
First Additional Card $0
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%


Offer ends on Nov 21, 2021
Welcome Bonus 5,000 points
Minimum Spending Required $1
Rewards Type Travel points
Transferable Points
Transfer Partners Scotia Rewards
Loyalty Program Scotia Rewards
All Spending 1
Travel 1
Local Transport 1
Dining and Food delivery 1
Groceries 1
Convenience Stores 1
Gas 1
Drugstores 1
Office Supplies 1
Telecom/Internet 1
Entertainment 1
Online transactions 1
AIR MILES partners 1
Air Canada 1
Streaming services 1
Recurring Payments 1


We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)


Calculation of the offer value
in the first year
Value per point 1.0 ¢
Welcome bonus $50
Annual fee $0
Value $50



Common Carrier Travel Accident Insurance Amount $250,000
Common Carrier Travel Accident Insurance
Trip Interruption Insurance Amount Per Person $2,500
Travel medical insurance up to 64 years old
Travel medical insurance up to 64 years old - Duration 8 day(s)
Auto Rental Loss/Insurance - Amount MSPP $65,000
Purchase Protection - Amount $500
Purchase Protection - Duration 90 day(s)
Medical Travel Insurance
Price Protection
Extended Warranty
Extended Warranty - Duration 1 year(s)