Head-to-Head: American Express® Green Card vs Scotiabank American Express® Card

Updated Jul 8, 2026
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Audrey Voisine
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Audrey, co-founder of Milesopedia, is a dedicated entrepreneur, avid traveler, and mother of two children. She shares valuable tips and recommendations for families and frequent travellers alike, helping everyone get the most from points and rewards programs. As Executive Vice President of Marketing and Communications, she is committed to guiding Milesopedia readers toward more accessible, practical, and memorable journeys.
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Head-to-Head: American Express Green Card vs Scotiabank American Express Card
To the point Here's our detailed comparison of the American Express® Green Card and Scotiabank American Express® Card, two no-fee cards designed for travel.

American Express Canada and Scotiabank offer two cards for frequent travelers:

They’re both no-annual-fee cards linked to American Express, and yet they’re not alike! Let’s see which one is the best.

Welcome bonus

The welcome bonus offered by each of these cards varies according to the promotions.

Here is how the current offer is structured:

American Express Green Card

With this welcome offer from this card , you can earn 10,000 Membership Rewards points:

  • 10,000 points when you charge your card $1,000 in net purchases in the first 3 months following card approval.

Based on our Membership Rewards points valuation (1.7 cents per point), this welcome bonus corresponds to a value of170 $.

Scotiabank American Express Card

With this welcome offer for the Scotiabank American Express® Card, you can earn up to 5,000 Scene+ points:

  • 2,500 Scene+ points after adding $250 to your Card in the first 3 months
  • 2,500 additional Scene+ points by spending a total of $1,000 in the first 3 months

Based on our Scene+ points valuation (1 cent per point), this welcome bonus corresponds to a value of50 $.

Minimum income

American Express Green Card

The American Express® Green Card requires no minimum income.

Scotiabank American Express Card

The Scotiabank American Express® Card requires a minimum annual income of $12,000.

Annual fee

American Express Green Card

The American Express® Green Card has an annual fee of $0.

Scotiabank American Express Card

The Scotiabank American Express® Card has an annual fee of $0.

Earning points

The American Express® Green Card and Scotiabank American Express® Card offer different point accumulations.

American Express Green Card

With the American Express® Green Card, you earn:

  • 1 point per dollar (value of 1.7 cents) on all ;
  • 2 points per dollar (value of 3.4 cents) for purchases from Amex Travel Services online (accommodation and car rental).
Scotiabank American Express Card

The Scotiabank American Express® Card allows you to earn :

  • 3 Scene+ points per dollar (i.e. 3 cents) for purchases at IGA, Rachelle Béry, Les Marchés Tradition, Voilà par IGA, Sobeys, Safeway, Foodland, Thrifty Foods, FreshCo and Chalo! FreshCo;
  • 2 Scene+ points (2 cents) per dollar spent at restaurants, dining, meal delivery, entertainment, grocery stores, gas and public transit ;
  • 1 Scene+ point per dollar (1 cent) for the remainder.

Redeeming points

Loyalty programs are completely different:

As a result, the way points are used is different.

For travel

American Express Green Card

With the American Express® Green Card, you can apply its Membership Rewards points to reimburse any travel purchase charged to the card (airline tickets, hotels, Airbnb, car rentals, etc.), where 1,000 points = $10 in reimbursement.

You can also use the American Express fixed rate chart for specific flights.

The redeeming rate is 1,000 points = $20.

Scotiabank American Express Card

Scene+ points and travel:

You can apply them to travel purchases in two ways, thanks to the fixed redemption rate where 10,000 points = $100 credit:

  • Redeem points directly when booking travel with Scene+ Travel, administered by Expedia.
  • Make your own travel purchases as you wish and use your points to pay off the balance on your À la carte Travel card.

For everyday shopping

American Express Green Card

With the American Express® Green Card, you can apply Membership Rewards points to everyday purchases charged to the card.

The redeeming rate is 1,000 points = $10.

You need to redeem a minimum of 1,000 points (i.e., a minimum of $10).

Scotiabank American Express Card

You can redeem 1,000 Scene+ points for a $10 discount at the IGA/Sobeys checkout.

Points can also be used to purchase gift cards on the Scotiabank/Scene+ website, from 1,000 to 1,400 points for a $10 discount.

Scene+ points can also be redeemed:

  • 500 points for a $5 discount at selected restaurants (Harvey’s, Swiss Chalet, etc.);
  • 100 points for $1 off movie tickets at Cineplex ;
  • 500 points for $5 off food and beverages at Cineplex, Rec Room and chips at Playdium ;
  • At least 14,500 points for a $100 statement credit on any card expense.

Transfers to other programs

American Express Green Card

With the American Express® Green Card, you can transfer your points to other rewards programs:

Scotiabank American Express Card

You cannot transfer Scene+ points to other programs.

When your Scene+ points are in your Scene+ account, you have no other way out: you can only use them in the Scene+ program.

The Benefits

American Express Green Card

With the American Express® Green Card, you enjoy the following benefits:

  • Card made from 99% recycled plastic;
  • Points redeemable for gift cards, merchandise and purchases on Amazon.ca ;
  • American Express instalment plan to pay for your purchases in monthly instalments.
Scotiabank American Express Card

The Scotiabank American Express® Card offers you the following benefits:

  • Insurance for mobile devices ;
  • Discounts of up to 25% at AVIS and Budget ;
  • Earn 3 Scene+ points for every dollar spent on Scene+ Travel hotel and car rental reservations charged to your card.

Insurance

InsuranceGreen Card American Expressscotiabank american express card
Buyer’s Assurance® Protection Plan1 additional year1 additional year
Purchase Protection® PlanUp to $1,000
90 days
Up to $1,000
90 days
Mobile Device InsuranceUp to $1,000

Bottom Line

So? Which Card is the winner?

In the short term, the American Express® Green Card will give you more points up front with its welcome offer.

Over the longer term, the Scotiabank American Express® Card will earn you more points.

American Express Green Card

The American Express® Green Card is the best for these reasons:

  • Its welcome offer is even more attractive;
  • No minimum annual income required;
  • Its flexible points allow a multitude of possibilities;
  • It has a wide range of airline and hotel partners for transferring points.
Scotiabank American Express Card

The Scotiabank American Express® Card is a good compromise and stands out on its own:

  • Its insurance for mobile devices ;
  • Faster points accumulation.

Frequently Asked Questions about Amex Green Card vs Scotiabank American Express Card head-to-head

Here are frequently asked questions in the milesopedia community about this card.

Go further with American Express Membership Rewards

To maximize your Membership Rewards earning, check our complete American Express Membership Rewards program guide and our best American Express Membership Rewards credit cards ranking, updated monthly by the Milesopedia team.

Come to discuss that topic in our Facebook Group!
Audrey Voisine
Audrey Voisine
Audrey, co-founder of Milesopedia, is a dedicated entrepreneur, avid traveler, and mother of two children. She shares valuable tips and recommendations for families and frequent travellers alike, helping everyone get the most from points and rewards programs. As Executive Vice President of Marketing and Communications, she is committed to guiding Milesopedia readers toward more accessible, practical, and memorable journeys.
All posts by Audrey Voisine
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