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.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Rebate + 25% Referral Bonus
Take advantage of Finly's exclusive rebate offer. Earn even more by sharing your unique referral link for a 25% bonus. Learn more about the Finly referral program.
Card Details
Based on $2,000 spending
First Year Value
$458.09
$353.09 in years after
Annual Rewards
$353.09
Scene+
First Year Bonus
$50
Scene+
Finly Rebate
Annual Fee
$0
First Year Value
$458.09
$353.09 in years after
Card Details
Info
Card Type | Points |
Our Rating | 3.2/5 |
Institution | Scotiabank |
Loyalty Program |
Fees & Rates
Annual Fee | $0 |
Interest Rates | Purchase: 19.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $12,000 Household: N/A |
Bonuses
Welcome Bonus | Up to 5,000 Scene+ points ($50 value) |
Description | 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 of Account open date. Terms Apply. |
Rewards†
- Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and more
- Earn 2x Scene+ points¹ for every $1 you spend on restaurants, fast food, drinking establishments and other eligible grocery stores. Includes popular food delivery and food subscriptions.
- Earn 2x Scene+ points¹ for every $1 you spend on eligible entertainment purchases. Includes movies, theatre and ticket agencies stores.
- Earn 2x Scene+ points for every $1 you spend on eligible gas and daily transit. Includes rideshares, buses, subway, taxis and more
- Earn 2x Scene+ points for every $1 you spend on eligible select streaming services
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
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
35,309 points
Valued at $403.09
Finly Rebate
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