Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Money.caThe Scotiabank American Express® Card is a flexible and rewarding travel card, giving customers the ability to earn points on all eligible purchases. Points can be redeemed flexibly without travel restrictions, and on a variety of brand name merchandise. Customers who travel frequently will enjoy th...
- Rewards CanadaHere we have another card that is underrated in our market. You honestly don't hear too much about it but you should. It is a one of the best no fee cards in the market based on its earn-burn capabilities. We rank the no annual fee Scotiabank American Express Card as the second best no annual fee tr...
- Rachel Cribby, Wealth RocketThe Scotiabank American Express has somewhat of a disadvantage in the way that it shares the stage with the Scotiabank Platinum and Gold American Express cards. However, if you are starting to wonder why anyone would choose the standard American Express over the fancier options, consider the annual...
- Victor, Yore OysterThe Scotiabank American Express Card is a good choice for travelers looking for credit cards without an annual fee. It offers many ways to earn points and redeem rewards from your eligible purchases. However, its comprehensive insurance protection requires you to pay, which may be inconvenient.
- Enoch Omololu, SAVVY New CanadiansThis card combines no annual fees with cash back rewards. If you do not want to shell out an annual fee but want to earn travel rewards, the Scotiabank American Express is worth checking out.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 19.99% |
| Balance Transfer Interest Rate | 22.99% |
| Cash Advance Interest Rate | 22.99% |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | $5.00 |
| Cash Advance Fee |
$5.00
|
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
2500 points after spending $250
|
| Rewards | |
| All Purchases | 1 point per $1 spent |
| Restaurants |
2 points per $1 spent Including fast food, drinking establishments, popular food delivery, and food subscriptions |
| Gas | 2 points per $1 spent |
| Groceries | 2 points per $1 spent |
| Hotels | No |
| Travel |
2 points per $1 spent On daily transit, rideshare, buses, taxis, subway, and more |
| Pharmacy | No |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders |
|
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | Yes |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | No |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income |
$12,000 per year |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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