Card Review & Application


out of 5

- No annual fee and no international transaction fee
- Free supplementary card
- Mobile device insurance
- Earn up to 12,000 bonus Scene+™ points in your first year (that's up to $120 towards travel). The offer ends April, 30 2023
- Earn 3X Scene+ points for each dollar charged to your account on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voila by Sobeys, Voila by IGA, Voila by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marches Tradition, Rachelle Bery, and Co-Op.
- 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

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 19.99% (variable)*
Annual Fee: $0*
Card Issuer: Scotiabank
Card Network: American Express
Card Category: Consumer (Regular)
Card Type: - EMV Chip
- Every Day Purchases
- Instant Decision
- No Foreign Transaction Fee
- Sign-Up Bonus
- Reward Card
Credit Needed: Excellent*

See Scotiabank issued Scotiabank American Express credit card application page for AMEX card features and benefits.

The review prepared by

Reward Types: - Gas Rewards
- Other Rewards
- Travel Rewards
- Universal Rewards
Reward Unit: Point
Rewards: - 12,000 bonus points in your first year
- 3X Sobeys, Safeway, FreshCo, Foodland, and more
- 2X Watch and Cheer
- 2X Eat in and Eat out
- 2X Listen and Stream
- 2X Ride and Drive
- 1X Scene+ point on all other purchases
Expiration: None*
Yearly Limit: None*
Other Benefits: - Mobile device insurance
- Save 25% on Car Rentals
- Scotia Rewards & SCENE Points Conversion
- Special Offers with Scotia Rewards Travel Advantage
- Trip Interruption Insurance
- Travel Emergency Medical Insurance
- Travel Accident Insurance
- Rental Car Collision Loss/ Damage Insurance
- Purchase Security
- Price Protection Service
- Extended Warranty Protection

*See terms and conditions of the card for other benefits
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 19.99% (variable)*
Annual Fee: $0*
Grace Period: See Terms*
Min Credit Line: $1,000
Late Payment Fee: N/A*
Over Limit Fee: $29.00
Balance Transfer: Yes
APR on Balance Transfer (%): 22.99%
Minimum Fee: $5.00
APR Cash Advances: 22.99%
Cash Advance Fee: 5.00%
Additional Fees Int'l Transaction Fee: 2.5%
Each Additional Card: $0
Dishonored Payment Fee: $48
Penalty APR: N/A
Late Fee: N/A
Minimum Payment Due: N/A
Return Payment Fee: $48
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* Published on Dec 3, 2022. Information relating to the Scotiabank Red American Express Card may change without notice as a result we cannot guarantee the accuracy of details above. It is important you read the terms and conditions attached to a product before submitting the application.

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