Keep Your Phone Covered and Earn Scene+ Points with Scotiabank American Express Card for $0 Annual Fee

Everyday perks with no annual fee

The Scotiabank American Express Card is a solid no annual fee option for Canadians who want Scene+ points on everyday spending. You earn 2 Scene+ points per $1 on groceries, dining, entertainment, transit and streaming, and 1 point per $1 on all other purchases, which makes this card great for routine Canadian budgets.

Because there’s no annual fee, the card works well as a primary everyday card or a secondary card to capture bonus categories. The Scene+ points program targets what many Canadians spend on each month, so you get value back without paying an annual fee for the privilege.

How to earn and redeem Scene+ points

Accumulating Scene+ points is straightforward: use the Scotiabank American Express Card where you already shop and dine, and consider booking travel through Scene+ Travel powered by Expedia to boost returns. The card pays 2x points on eligible categories up to the annual cap, then 1x after that—smart spending and category tracking will maximise earnings.

Redeeming Scene+ points is flexible in Canada—book travel, get dining and entertainment rewards, or redeem for statement credit and merchandise. Since Scene+ partners with travel platforms and retail merchants, your points can stretch further when you plan redemptions around promotions and Expedia travel deals.

Mobile device insurance that matters

One standout Canadian-friendly benefit on the Scotiabank American Express Card is mobile device insurance up to $500. If you buy a phone with the card or pay your wireless bill with it, eligible phones can be covered for theft, loss or damage—handy in cities like Toronto or Vancouver where phones go missing, or for outdoor commuters on transit.

Claims are straightforward and this coverage removes the need for a separate phone protection plan for many users. For Canadians who rely on their smartphones for banking, transit passes and work, that $500 cushion reduces the sting of repairs or replacements without adding an extra monthly bill.

Apply, compare and maximise value

Applying for the Scotiabank American Express Card in Canada is simple online if you meet basic eligibility: Canadian residency, age of majority, and minimum income requirements. Newcomers to Canada may prefer visiting a branch to get set up, but existing Scotiabank clients can often add the card quickly through their online banking profile.

To get the most from this no-fee Scene+ option, use it for your highest 2x categories, take advantage of Scene+ Travel for hotel and car bookings, and pair the card with a secondary card once you hit the 2x cap. If you need travel insurance or higher point ceilings, consider premium Scotiabank cards; otherwise, this Amex is a practical, Canadian-tailored choice for everyday rewards and phone protection.