No Annual Fee
Rewards
Scotiabank Scene+ Visa Card
Scotiabank
Current Welcome Offer
Earn up to 10,000 bonus Scene+ points in your first 3 months.
Annual Fee
$0
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$100
RateBuddy Verdict
The Good
- Charges $0 annual fee for both the primary cardholder and any supplementary cards added to the account.
- Earns a solid 2x points at major grocery chains (Sobeys, Safeway, FreshCo), Home Hardware, and Cineplex.
- Highly accessible for those building credit, requiring only a low $500 minimum credit limit to qualify.
The Trade-offs
- Completely lacks any embedded credit card insurance (no purchase security, extended warranty, or travel coverage).
- Base earning rate on standard purchases is low at just 1 Scene+ point per $1 spent.
Rewards & Earnings
Groceries 2.00%
Dining & Takeout 1.00%
Gas & Transit 1.00%
Travel 1.00%
Base Rate 1.00%
Rewards Summary: Sobeys, Safeway, Foodland, FreshCo, Home Hardware & Cineplex: 2 pts per $1; Base Earn & Travel: 1 pt per $1 (Extra 3 pts via Scene+ Travel).
- Sobeys, Safeway, Foodland, participating IGA and co-ops, and more: 2 Scene+ pts/$1
- Home Hardware, Home Building Centre, Home Furniture: 2 Scene+ pts/$1
- Cineplex theatres or cineplex.com: 2 Scene+ pts/$1
- Eligible travel purchases: 1 Scene+ pt/$1 (Extra 3 pts via Scene+ Travel)
- All other eligible everyday purchases: 1 Scene+ pt/$1
Welcome Bonus Details
Earn up to 10,000 bonus Scene+ points within your first 3 months of opening the account.
Estimated Value: $100.00
Features & Benefits
No Annual Fee
No annual fee
Additional Perks
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Insurance Coverage
Note: This card does not include embedded Travel, Medical, Car Rental, or Purchase insurance benefits.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |