Annual fee
$399
Primary cardholder
Best Scene+ Credit Cards in Canada
Scene+ cards can be useful when rewards match your daily spending
Scene+ rewards can connect to groceries, dining, entertainment, and travel. RateBuddy helps compare earn rates, annual fees, welcome offers, redemption options, and everyday fit so the value is easier to understand.
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Compare Top Scene+ Cards
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Ready to refine
Annual fee
$399
Purchase APR
9.99%
Cash advance
9.99%
Scotiabank
Best for
Travel Rewards
Low Interest
Premium
Best for
Travel Rewards
Low Interest
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$2,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$360
First-year annual fee
Fee charged during the first year
$399
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,461
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 2% | $108 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
9.99%
Regular purchase rate
Cash advance APR
9.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$99
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$150
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,500
Estimated rewards from spending
Based on $1,500 in monthly spending
$324
First-year annual fee
Fee charged during the first year
$150
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,674
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$150
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$850
Estimated rewards from spending
Based on $1,500 in monthly spending
$648
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,378
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 6% | $324 |
| Dining | $300 | 5% | $180 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 3% | $27 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$120
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$29
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$351
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$401
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Student
Rewards
Best for
No Annual Fee
Student
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$351
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$401
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$12,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$234
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$334
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
Scotiabank
Best for
No Annual Fee
Student
Rewards
Best for
No Annual Fee
Student
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$100
Estimated rewards from spending
Based on $1,500 in monthly spending
$234
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$334
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$0
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$599
Purchase APR
20.99%
Cash advance
22.99%
Scotiabank
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Rewards program
Scene+
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$599
Primary cardholder
Purchase APR
20.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$199
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
RateBuddy
Math. Not Marketing.
We calculate the true value to save you every penny.
Data-Driven Logic
Rankings based on hard numbers (fees vs rewards), not advertising budgets.
100% Unbiased
We highlight the "gotchas" and fees just as clearly as the perks.
Direct & Secure
No data harvesting. We send you straight to the bank's secure official site.
Rewards for Real Life
From grocery runs at Sobeys to movie nights at Cineplex, Scene+ is designed to reward the routine spending you do every week.
Grocery Multipliers
Scene+ has rapidly evolved into a powerhouse for grocery rewards in Canada. You can earn significantly higher point multipliers at Empire-owned grocers including Sobeys, Safeway, IGA, FreshCo, and Foodland. For families, groceries are often the largest monthly expense, making this a high-yield category. By using a Scene+ credit card for your weekly shop, you can accumulate points much faster than on general spending. These points can then be redeemed right back at the checkout to lower your grocery bill.
Entertainment & Dining
Originally famous for movies, the program remains the best choice for entertainment lovers. Redeem points for movie tickets, concession snacks, and VIP experiences at Cineplex theatres nationwide. Beyond movies, the program includes flexible redemptions for dining at popular partner restaurants like Swiss Chalet, Harvey’s, and Montana’s. It’s the perfect program for funding your "fun money" budget. Whether it is a date night or a family outing, your points cover the cost.
Flexible Travel Redemption
Scene+ offers one of the most flexible travel redemption systems on the market. You are not locked into specific airlines or blackout dates. You can book travel your way—flights, hotels, or car rentals—through Scene+ Travel, or apply points to travel purchases booked independently. This "Book Your Way" feature allows you to hunt for the best deals on Expedia or Booking.com and simply erase the cost with points later. It combines the freedom of cash with the earning power of points.
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
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Filter our database by the specific perks and coverages that matter to you.
ISSUERS
Browse by Bank & Issuer:
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LOYALTY PROGRAMS
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CARD LEVELS
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From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top Scene+ Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Yes, many major banks offer specific programs for newcomers that do not require a Canadian credit history. You may need to visit a branch in person and provide immigration documents (such as a Permanent Resident card or Work Permit) to be approved.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
If a transaction pushes you over your limit, the issuer may decline the transaction or, in some cases, accept it and charge an 'Over-Limit Fee' (typically around $29). Exceeding your limit can also negatively impact your credit score. It is best to keep balances well below your limit.
You should contact your card issuer immediately to lock or cancel the card. Many issuers also offer a 'Lock Card' feature in their mobile app which can prevent new transactions instantly. Once reported, the issuer will typically send a replacement card with a new number.
In Canada, you will often see AIR (Annual Interest Rate) used. It represents the yearly cost of borrowing on the card. Standard cards typically have purchase interest rates around 20.99%, while Low Interest cards can be significantly lower. Cash advances often carry higher interest rates than purchases.
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