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Canada · personal card · Scotiabank

Scotiabank American Express Card (for students) review

Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

By · Card data read October 7, 2026 · How we rank Canadian cards

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Scotiabank American Express Card (for students)

Key facts

Issuer
Scotiabank
Network
Amex
Annual fee
$0 (Supplementary cards $0)
Welcome offer
Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026 (until November 1, 2026)
Purchase rate
21.99%
Cash advance rate
22.99%
Foreign transaction fee
2.5%
Minimum personal income
$12,000
Minimum household income
Not stated
Available in Quebec
Not stated
Est. net value / yr
$528 ($528 rewards − $0 fee)
Points value
Scene+ at 1¢ CAD each

Rewards

Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

Earn rates the issuer states: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts.

Perks

Amex Experiences; up to 11c/L at Shell

How we put this page together

Every figure here was read on Scotiabank’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Insurance package, Quebec availability not fully read. FX fee not stated. Student version. FX fee read on issuer document: https://www.scotiabank.com/ca/en/personal/credit-cards/fees.html

Frequently asked questions

What is the annual fee on the Scotiabank American Express Card (for students)?

$0 (Supplementary cards $0), as read on Scotiabank’s website on October 7, 2026.

Is there a foreign transaction fee on the Scotiabank American Express Card (for students)?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Scotiabank American Express Card (for students)?

The issuer states a minimum personal income of $12,000.

More Scotiabank cards

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    Scotiabank American Express Card Scotiabank

    Net $528/yr

    Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

    Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $528
    Welcome offer
    Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
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    Earn 6 Scene+ points per $1 at Sobeys-type grocers, 5 on dining, food delivery, other groceries and entertainment, 3 on gas, transit and streaming, 1 on everything else; no foreign transaction fees.

    Earn: base 1 pts · groceries 6 pts · gas 3 pts · dining 5 pts · travel 1 pts

    Annual fee
    $120 (Waived with Ultimate Package chequing (first year with Preferred); supplementary cards $29)
    Est. net value / yr
    $792
    Welcome offer
    Up to 50,000 bonus Scene+ points: 30,000 at $2,000 in 3 months plus 20,000 at $7,500 in first year. Open account Jul 2 to Nov 1, 2026
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    21.99%
    Foreign transaction fee
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    Apply on issuer siteCard detailsRead October 7, 2026
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    Earn 1 Scene+ point per $1 on eligible business purchases at Home Hardware locations; interest from Prime + 4.99% to 10.99% with secured limits $5,000 to $500,000.

    Earn: base 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $300
    Welcome offer
    Up to 15,000 bonus Scene+ points when you spend $1,500 at Home Hardware in first 3 months. Open account Oct 1 to Nov 30, 2026
    Purchase rate
    From Prime + 4.99% to 10.99%
    Foreign transaction fee
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    Net $300/yr

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    Earn: base 1%

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $300
    Welcome offer
    10% cash back on first $1,500 in purchases in first 3 months
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.