Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$403.09
$353.09 in years after
Annual Rewards
$353.09
Scene+
First Year Bonus
$50
Scene+
Annual Fee
$0
First Year Value
$403.09
$353.09 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 19.99%
Annual Fee
$0
Annual Income
Personal: $12,000
Household: N/A
Credit Score
Good
Welcome Bonus
Earn 2,500 bonus Scene+ points by making at least $250 in everyday eligible purchases in your first 3 months. Plus, another 2,500 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months
Card Type
Category: Points
Loyalty Program: Scene+
Our Rating
3.2/5
Institution
Scotiabank
Rewards†
- 3 Points on on every $1 you spend at Sobeys, Safeway, IGA, Foodland & Participating Co-ops
- 2 Points dining and at other eligible grocery stores, entertainment purchases which includes movie theaters, and ticket agencies
- 2 Point on Rides which includes rideshare, buses, taxis, subways and more
- 2 Points on eligible streaming services (Netflix, Spotify, Disney+, Crave and more)
- 1 Point on everything else
Scotiabank American Express® Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Grocery stores participating in Scene+ Reward program
3,096 points
Food and drinks, Groceries and Entertainment
15,078 points
Gas, Rental Car & Taxi, Public Transportation
5,894 points
Amex eligible Streaming Subscriptions
960 points
All other purchases
10,281 points
Net Annual Rewards
35,309 points
Valued at $353.09
Rewards Summary
Net Annual Rewards
35,309 points
Valued at $353.09
First Year Card Bonus
5,000 points
Valued at $50
First Year Card Value
40,309 points
Valued at $403.09
Point Redemptions
Redemptions Chart
Entertainment and Experiences
$403.09
Travel
$403.09
Groceries (At Sobeys)
$403.09
Gift Cards
$298.29
Restaurants
$403.09
Merchandise
$306.35
Statement Credits
$282.17
Insurance & Benefits†
Insurance
Coverage
Mobile Device Insurance
$500
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
American Express® Experiences
Car Rental Discount
25% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- Strong Rewards: Earn flexible Scene+ points on all everyday purchases.
- Mobile Device Insurance: Comes with coverage for your mobile devices.
- Exclusive Perks: Access special offers, experiences, and more through American Express Invites.
- No Annual Fee: Enjoy all these benefits without paying an annual fee.
Cons
- Limited Insurance Coverage: Insurance is confined to mobile devices and purchase security & extended warranty protection.
- Lower Acceptance: Due to being an American Express network card, less merchants may accept it.