Scotiabank · Rewards Calculator
Scotiabank American Express CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations (up to $50,000 in accelerated purchases per calendar year) | 3 Scene+ points per $1 |
| All other grocery (not in the above list), dining, entertainment, gas, daily transit and select streaming services (up to $50,000 in accelerated purchases per calendar year) | 2 Scene+ points per $1 |
| All other eligible purchases | 1 Scene+ point per $1 |
Enter Your Monthly Spending
We'll calculate your Scene+ points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Scene+ points earnings with the Scotiabank American Express Card.
Or try a quick-fill preset to get started
Ready to apply for the Scotiabank American Express Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Scene+ points.
Welcome Bonus
Bonus
Up to 5,000 bonus Scene+ points
~$50 estimated value
How to Earn It
2,500 Scene+ points
Spend $250 first 3 months
Additional 2,500 Scene+ points
Spend $1,000 first 3 months
Offer Expires
April 30, 2026
Card Details
- Annual Fee
- No annual fee
- Network
- Amex
- Rewards Program
- Scene+
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
How to Use the Scotiabank American Express Card Rewards Calculator
This calculator helps you estimate how many Scene+ points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the Scotiabank American Express Card's earn rates to show you a complete breakdown.
Understanding Scotiabank American Express Card Earn Rates
The Scotiabank American Express Card earns Scene+ points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations (up to $50,000 in accelerated purchases per calendar year): 3 Scene+ points per $1
- All other grocery (not in the above list), dining, entertainment, gas, daily transit and select streaming services (up to $50,000 in accelerated purchases per calendar year): 2 Scene+ points per $1
- All other eligible purchases: 1 Scene+ point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the Scotiabank American Express Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Scene+ points
The true value of your Scene+ points depends on how you redeem them. As part of the Scene+ program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the Scotiabank American Express Card is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.