Travel on any flight at any time and have access to a travel agency and travel insurance - And all for a $0 annual fee.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Price Protection Yes
Travel Accident $250,000
Emergency Medical Term 8 days
Emergency Medical over 65 3 days
Trip Interruption $2,500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

This card will earn you a solid 1% return on your spending in travel rewards with no annual fee and comes with a nice 5,000 point sign up bonus worth $50 so you can take off faster.

One great feature of the Scotiabank Amex is the full service travel agent that they bring to the table. You can book your travel through this agent and get special offers and a best price guarantee on airfare.

Combine that with the 7 types of insurance...and traveling just became easier, cheaper, and a lot less stressful.

The Scotiabank Amex has a low minimum income requirement of only $12,000, and comes with the usual Amex perks:

  • American Express Invites, and
  • Front Of The Line access.

Of course, one thing to keep in mind is that Amex cards are not as widely accepted as Visa and Mastercard.

All things considered, for a card with no annual fee, a low minimum income requirement, and great insurance for a no-fee card - this card is a real contender if you are just getting started with travel rewards.

What are your thoughts?

Pairs well with...

Featured In:

The Globe and Mail
Toronto Star
Financial Post
New York Times