Scotiabank American Express Card

3 Scene+ points per $1 at Scene+ grocery partner banners (Sobeys, Safeway, FreshCo, Foodland and related Empire-family stores). 2 points per $1 on dining, food delivery, food subscription services and grocery stores OUTSIDE the partner list. 2 points per $1 on entertainment, gas, daily transit and streaming services. 1 point per $1 on all other purchases including travel, with an additional 3 bonus points per $1 CAD on hotels and car rentals booked through Scene+ Travel. CAP: the accelerated rates apply only to the 'first $50,000 in purchases charged to the Scotiabank American Express Account annually'; purchases beyond $50,000 in a year earn the 1-point base. Scotiabank does not publish on this page whether that $50,000 window runs on the calendar year or the account anniversary, so the reset basis is NOT PUBLISHED. The $50,000 cap is not a practical constraint for a student card whose applicants need only $12,000 of income.

Up to 10,000 Scene+ points, stated by Scotiabank as $100 in value, earned within the first 3 months. The qualifying spend threshold for the full 10,000 points is not published on the product page, so bonus_tier1_spend is NOT PUBLISHED. Offer runs through November 1, 2026.

Mobile Device Insurance up to $500 CAD. The only student card in this segment with mobile device coverage, and the strongest embedded benefit in the group. Purchase Security for 90 days from purchase. Extended Warranty doubling the manufacturer's warranty up to one additional year. NO travel medical, trip cancellation, trip interruption, flight delay, baggage or rental car coverage despite the Amex branding. CONTRADICTORY INCOME LANGUAGE ON THE SAME PAGE, flag prominently. Under 'You can apply if:' Scotiabank states 'You have a minimum personal income of $12,000 per year.' But under 'Not sure if this is right for you?' the page lists 'Have a steady income of more than $12,000/year (income requirement subject to change) as you may qualify for other types of available Credit Cards.' One says $12,000 is a floor; the other implies $12,000 is a ceiling. Min_personal_income is recorded as 12,000 because that is the only affirmative eligibility statement, but this is the one Scotiabank student card that does publish an income floor, and readers filtering for zero-income cards must be steered away from it. This is the ONLY card in the Canadian student segment with a published income minimum. Students with no income should be routed to the CIBC student cards ($0 published) or the BMO/Scotiabank Scene+/Momentum student cards (no figure published). AMERICAN EXPRESS ACCEPTANCE: Amex is far less widely accepted in Canada than Visa or Mastercard, particularly at grocery discounters and transit agencies. The very categories where this card's 3x and 2x rates apply. The rich earn table is undercut by where it can actually be used. The 3x grocery rate is limited to Empire/Sobeys-family banners; other grocers earn 2x, not 3x. The $50,000 accelerated-earn cap has no published reset basis (calendar year vs account anniversary). No travel insurance whatsoever despite Amex branding. point_value_cents of 1 is derived from Scotiabank's own published equivalence of 10,000 Scene+ points to $100.