Scotiabank American Express Card

Relevant if: you use the Scene+ program and its documented categories.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Annual fee: $0
Reward type: Scene+
Welcome offer: Confirmed offer · not valued in the estimate
First-year estimate (without the offer): $461.25

Data verified on September 8, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$461.25

Annual fee thereafter: $0
First-year fee: $0 — no annual fee

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $461.25
Recurring annual fee already deducted: $0
Welcome-offer value earned during the first 12 months: Offer confirmed, but not yet valued by Futello — not included
First-year fee: $0 — no annual fee

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current offer · not enough history to compare
Offer quality: Fair Futello rating grid

Welcome bonus: 10,000 points Scene+
Last verified: August 30, 2026 · Verified 22 days ago

First observed by Futello — August 19, 2026

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Email me if this offer changes

Earning

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing, Entertainment, Gas, Groceries, Restaurants, and Streaming subscriptions	2 points per dollar	$50,000 cap / year · 1 point per dollar after the cap · Eligible currencies: CAD
Other purchases	1 point per dollar	No published cap
Empire grocery stores	3 points per dollar	No published cap
Additional bonus on hotels and car rentals booked through Scene+ Travel	3 points per dollar	Cap not documented

Fees and eligibility

Annual fee thereafter: $0
Additional card: $0
Published minimum income: $12,000
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Not documented

Insurance

Extended warranty Confirmed

Conditions

9 Certificate of Insurance Purchase Security & Extended Warranty Protection Most new purchases made with your card are protected against theft, loss, or damage for 90 days from the purchase date
View source
Mobile device insurance Confirmed

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source
Purchase security and extended warranty Confirmed

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source