Scotiabank American Express Card No Annual Fee with Scene+ Rewards and Mobile Device Insurance in Canada
No-annual-fee Scotiabank American Express in Canada lets you rack up Scene+ points on groceries, dining, entertainment and transit while providing mobile device insurance up to $500
The Scotiabank American Express Card is a standout no-annual-fee option for Canadians who want reliable rewards without extra cost. Tailored to everyday spending in Canada, it pairs Scene+ points with practical perks like mobile device insurance up to $500, making it a solid pick for city commuters and families alike.
Everyday rewards that add up
With the Scotiabank American Express Card you earn 2 Scene+ points per $1 on groceries, dining, entertainment, transit, gas and select streaming services, up to the $5,000 annual cap. Outside those categories, you still collect 1 point per $1, so routine purchases keep building value.
Scene+ points are flexible in Canada: redeem for movies, restaurants, travel through Scene+ Travel or as statement credit. Frequent grocery and dining spenders in provinces like Ontario, British Columbia and Alberta will feel the benefit most from accelerated earning.
Scene+ Travel and redemptions
Book travel through Scene+ Travel powered by Expedia and you can earn even more, including elevated point returns on hotel and car rental bookings. The platform lets you pay with points, card, or a mix, which is handy for splitting a getaway cost without losing value.
Redemption is straightforward — 100 points often maps to $1 in travel value, and Scene+ keeps options wide with gift cards, entertainment and account credits. The Scotiabank American Express Card turns everyday spending into tangible travel rewards across Canada and beyond.
Mobile device insurance and practical protection
One of the Scotiabank American Express Card’s most useful features is mobile device insurance up to $500 for loss, theft or damage when the device is purchased or your wireless bill is paid with the card. That coverage fits the realities of Canadian life where repairs can be costly and replacement phones are a major expense.
The insurance is a nice complement to the no-fee structure, saving cardholders from buying separate device plans. For many Canadians who rely on smartphones for work, banking and transit apps, that peace of mind is a real advantage.
How to apply and alternatives worth considering
Applying for the Scotiabank American Express Card is simple online for Canadian citizens and permanent residents; newcomers may prefer to visit a branch if they need help. Typical eligibility asks include being of majority age in your province and meeting basic income requirements.
If you want different rewards, consider Scotiabank’s Momentum Visa cards for cash back or the Scotiabank Gold American Express for higher Scene+ earn rates with an annual fee. Comparing spending habits will show whether the no-fee Scotiabank American Express Card or another Scotiabank product fits your financial goals best.